Luminor Investor. FAQ

In order to open Luminor Investor investment account, you have to be Luminor client and have bank’s account. For more information how to open account in Luminor visit here. 

Agreement can be signed:

• digitally via Dokobit portal
• digitally using eSignature
• digitally via Luminor internet bank (if you don’t intend to use Luminor Investor with investment account) 
  or
• by visiting Customer service centers of your choice

It can be easily done through our Customer Support by phone +371 6717 1880 or by sending us free form message via internetbank.

Investment account may be suitable for you if:

• You are an active investor and plan to invest in financial instruments on a regular basis
• You intend to invest only a lump-sum, but after a while plan to invest more or sell some of it
• You want to reinvest gained income

Get to know the benefits of investment account

The updated pricing plans for Luminor Investor will be effective from 01.07.2025.

We are updating our pricing to make investment service better tailored for customers’ needs – both for customers who are ready to start investing with smaller sums and for more active investors.

Price list is available here.

Yes, all customers will be moved to Base plan by default from 01.07.2025.

If your average transaction amount is more than 5000 EUR/USD, the Elective plan will be more budget-friendly choice.

You can change the pricing plan every 4 months.

We will open the application form from 01.07.2025. More information will follow.

The applicable fees will be visible on the Luminor Investor platform before you submit a transaction order.

Your trading activity report is available in Luminor Investor platform – /Portfolio / Transaction report.

Information could be found here.

• The same business day, if the funds are transferred till 15:00
• Next business day, if the funds are transferred after 15:00

Information could be found here.

There can be situations when your Luminor Investor account can turn in negative balance.

This could happen when:

1. You have Investor platform accounts opened in multiple currencies (for example EUR and USD accounts) and you purchase securities nominated in USD, but you do not have sufficient cash balance in USD account, but at the same time EUR balance is sufficient to cover respective purchase. Then that USD account will go into negative balance. If you want to cover the negative balance you can transfer additional cash to account with negative balance or to transfer money out from account with positive balance and then transfer in to the account with negative balance. Instructions on how to make money transactions can be found here.
2. You withdraw money before settlement date. Remember, after selling position trade settlements always take some time (usually 2-3 working days), to avoid additional commission you can check settlement date in Luminor Investor section Orders.

Information could be found here.

Yes, you can. But it is important to note, that when investing into instruments quoted in different currencies, currency conversion is made with 0.5% margin.

Private clients can order additional access to real time data in the subscriptions menu based on the pricelist available in the platform. If you decide to order real time data, please select level 1 data for Private Investors. Additional charges are applied for professional/institutional clients.

LEI code is obligatory for corporate clients. Private individuals do not require LEI code.

In order to open additional account in different currency (USD / GBP / NOK / SEK / DKK) please send us free form message via internetbank.

No. Instead, the insurance of liabilities to investors’ scheme is applicable to the funds held on Luminor Investor platform. The maximum compensation of the insurance of liabilities to investors is 20 000 EUR.