By completing the migration of customer data and products to a unified Luminor system and developing digital channels, we want to update price list, remove references to products and services that are no longer offered, simplify its structure, as well as adjust service prices to reflect market changes.
The full version of the new prie list is available here.
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| VISA Debit, Galactico VISA Debit Ordering and delivering | EUR 4 Fee for production/ replacement of Card (in case of loss, theft, wear, damage or other defects) |
EUR 5 Replacing the card - when card is replaced before the expiry date |
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| VISA Debit, Galactico VISA Debit Payments and cash |
-Free - 0,2% of the amount exceeding EUR 700,00 Cash withdrawal** from ATMs of Luminor (Latvia, Lithuania, Estonia) - below EUR 700.00 in a calendar month - above EUR 700.00 in a calendar month Footnotes: Bank. **Cash withdrawal limit from ATMs: - Daily limit: EUR 5 000,00 (or an equivalent in other currency). - Limit over 30-day period for any type of Card is EUR 20 000,00 (or an equivalent in other currency). |
Free up to EUR 600 per calendar month, 0.2% of the sum exceeding EUR 600 Cash-out - Luminor ATMs Footnotes: - |
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| VISA Debit, Galactico VISA Debit Payments and cash |
-Free - 0,2% of the amount exceeding EUR 5000,00 (or an equivalent in other currency) One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting): - below EUR 5 000.00 in a calendar month - above EUR 5 000.00 in a calendar month |
Free up to EUR 2000 per calendar month, 0.2% of the sum exceeding EUR 2000 Cash-in - Luminor ATMs in Latvia |
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| VISA Debit, Galactico VISA Debit Other Cards’ related services |
EUR 0,09 per SMS text SMS info |
EUR 0.12 SMS message about change in account balance |
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| VISA Debit, Galactico VISA Debit Other Cards’ related services |
EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| VISA Debit, Galactico VISA Debit Other services |
36% p.a Interest on unauthorized debit balance |
25% Annual interest on unauthorized debit balance |
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| VISA Debit, Galactico VISA Debit Other services |
EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| VISA Debit, Galactico VISA Debit Other services |
EUR 25 Issuance of copy of the receipt for a transaction |
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| Mastercard Debit (New Cards may be issued to existing customers with NDEA accounts (LVxxNDEAxxxxxxxxxxxxx)). |
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| VISA Debit, Galactico VISA Debit for children and youths | - | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dynamic VISA, Galactico Dynamic VISA, Galactico VISA Classic (new Cards are not issued, renewed and replaced) |
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| Maestro (new Cards are not issued, renewed and replaced) |
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| Visa Classic Ordering and delivering |
EUR 2 Monthly fee*** - VISA Classic Footnotes: ***The monthly fee for the Card service is due starting from the next month after the month when the Card was made and shall be paid (for the previous month) on the date on which the Card was made. |
EUR 2.50 Monthly fee Footnotes: - |
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| Visa Classic Payments and cash |
2.0% of the transaction amount, min. EUR 3.50 Cash withdrawal at ATMs in Latvia and abroad* Footnotes: *Cash withdrawal limit from ATMs: - Daily limit: for VISA Classic, VISA Gold, VISA Platinum Cards EUR 5 000.00. - Limit over 30-day period for VISA Classic, VISA Gold Card is EUR 20 000.00, VISA Platinum Cards EUR 30 000.00. |
No change in fee Cash-out - Luminor ATMs - Other ATMs Footnotes: - |
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| Visa Classic Payments and cash |
- Free of charge - 0.2% of the transaction amount exceeding EUR 5000.00 One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting): - below EUR 5 000.00 in a calendar month - above EUR 5 000.00 in a calendar month |
Free up to EUR 600 per calendar month, 2% of the sum exceeding EUR 600 Cash-in - Luminor ATMs in Latvia |
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| Visa Classic Other Cards’ related services |
EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| Visa Classic Other Cards’ related services |
EUR 0.09 per SMS text SMS info |
EUR 0.12 SMS message about change in account balance |
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| Visa Classic Credit |
18% Annual interest rate on loan |
21% Credit limit annual interest |
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| Visa Classic Credit |
- | Free Changing the credit limit |
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| Visa Classic Other services |
36% p.a. Interest on unauthorized debit balance |
25% Annual interest on unauthorized debit balance |
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| Visa Classic Other services |
EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| Visa Classic Other services |
- | EUR 25 Issuance of copy of the receipt for a transaction |
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| Visa Gold Ordering and delivering |
EUR 10 Fee for production/ replacement of Card (in case of loss, theft, wear, damage or other defects) |
EUR 5 Replacing the card - when card is replaced before the expiry date |
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| Visa Gold Payments and cash |
2.0% of the transaction amount, min. EUR 3.50 Cash withdrawal at ATMs in Latvia and abroad* Footnotes: *Cash withdrawal limit from ATMs: - Daily limit: for VISA Classic, VISA Gold, VISA Platinum Cards EUR 5 000.00. - Limit over 30-day period for VISA Classic, VISA Gold Card is EUR 20 000.00, VISA Platinum Cards EUR 30 000.00. |
No change in fee Cash-out - Luminor ATMs - Other ATMs Footnotes: - |
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| Visa Gold Payments and cash |
-Free of charge - 0.2% of the transaction amount exceeding EUR 5000.00 One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting): - below EUR 5 000.00 in a calendar month - above EUR 5 000.00 in a calendar month |
Free up to EUR 600 per calendar month, 2% of the sum exceeding EUR 600 Cash-in - Luminor ATMs in Latvia |
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| Visa Gold Other Cards’ related services |
EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| Visa Gold Other Cards’ related services |
EUR 0.09 per SMS text SMS info |
EUR 0.12 SMS message about change in account balance |
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| Visa Gold Credit |
- | Free Changing the credit limit |
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| Visa Gold Other services |
EUR 30,00 incl. VAT Fee for 1 person's visit to the airport business area ("Priority Pass" program) Visa Gold, Visa Platinum |
EUR 28 Fee for 1 person's visit to the airport business area ("Priority Pass" program) |
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| Visa Gold Other services |
36% p.a. Interest on unauthorized debit balance |
25% Annual interest on unauthorized debit balance |
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| Visa Gold Other services |
- | EUR 10 Priority Pass replacement |
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| Visa Gold Other services |
EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| Visa Gold Other services |
- | EUR 25 Issuance of copy of the receipt for a transaction |
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| Visa Platinum Ordering and delivering |
Free Fee for production/ replacement of Card (in case of loss, theft, wear, damage or other defects) |
EUR 5 Replacing the card - when card is replaced before the expiry date |
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| Visa Platinum Payments and cash |
2.0% of the transaction amount, min. EUR 3.50 Cash withdrawal at ATMs in Latvia and abroad* Footnotes: *Cash withdrawal limit from ATMs: - Daily limit: for VISA Classic, VISA Gold, VISA Platinum Cards EUR 5 000.00. - Limit over 30-day period for VISA Classic, VISA Gold Card is EUR 20 000.00, VISA Platinum Cards EUR 30 000.00. |
No change in fee Cash-out - Luminor ATMs - Other ATMs Footnotes: - |
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| Visa Platinum Other Cards’ related services |
EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| Visa Platinum Other Cards’ related services |
EUR 0.09 per SMS text SMS info |
EUR 0.12 SMS message about change in account balance |
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| Visa Platinum Credit |
- | Free Changing the credit limit |
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| Visa Platinum Other services |
EUR 30,00 incl. VAT Fee for 1 person's visit to the airport business area ("Priority Pass" program) Visa Gold, Visa Platinum |
EUR 28 Fee for 1 person's visit to the airport business area ("Priority Pass" program) |
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| Visa Platinum Other services |
36% p.a. Interest on unauthorized debit balance |
25% Annual interest on unauthorized debit balance |
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| Visa Platinum Other services |
EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| Visa Platinum Other services |
- | EUR 25 Issuance of copy of the receipt for a transaction |
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| Mastercard Credit, Mastercard Gold, Mastercard Platinum, Stockmann Mastercard, PINS (New Cards may be issued to existing customers with NDEA accounts (LVxxNDEAxxxxxxxxxxxxx)). | - | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Luminor Visa Infinite Payments* and cash** |
Footnotes: *Purchase limit - EUR 5 000,00 a day. **Cash withdrawal limit from ATMs: - Daily limit: EUR 5 000,00 - Limit over 30-day period: EUR 30 000,00 - Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology: EUR 350,00 a day. |
Footnotes: - |
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| Luminor Visa Infinite Payments and cash |
Free up to EUR 1 000,00 per month, 2% of the sum exceeding EUR 1 000,00 Cash-out - Luminor ATMs |
Free up to EUR 1000 per calendar month, 2% of the sum exceeding EUR 1000 (min. EUR 3.50) No change in fee name |
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| Luminor Visa Infinite Payments and cash |
2% of the sum (min. EUR 3.50) Cash-out - other ATMs |
Free up to EUR 1000 per calendar month, 2% of the sum exceeding EUR 1000 (min. EUR 3.50) No change in fee name |
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| Luminor Visa Infinite Payments and cash |
Free up to EUR 1 000,00 per month, 2% of the sum exceeding EUR 1 000,00 Cash in - in Luminor's ATMs |
Free up to EUR 1000 per calendar month, 2% of the sum exceeding EUR 1000 (min. EUR 3.50) No change in fee name |
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| Luminor Visa Infinite Other Cards’ related services |
- | -EUR 2 -EUR1 PIN code reminder - in Customer Service Centers or via Customer Support - in Internet bank |
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| Luminor Visa Infinite Other Cards’ related services |
EUR 0,09 per SMS text SMS info |
EUR 0.12 SMS message about change in account balance |
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| Luminor Visa Infinite Other services |
EUR 25 Fee per transaction for processing an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party |
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| Luminor Black Payments* and cash** |
Footnotes: *Purchase limit - €5 000 a day. **Cash withdrawal limit from ATMs: - Daily limit: €5 000 - Limit over 30-day period: €20 000 - Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology: €350 a day. |
Footnotes: - |
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| Luminor Black Other Cards’ related services |
EUR 1 PIN reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| Visa Gold Revolving Payments* and cash** |
Footnotes: *Purchase limit - €5 000 a day. **Cash withdrawal limit from ATMs: - Daily limit: €5 000 - Limit over 30-day period: €20 000 - Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology: €350 a day. |
Footnotes: - |
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| Visa Gold Revolving Payments and cash |
Free up to EUR 5000 per calendar month, 0.2% of the sum exceeding EUR 5000 Cash-in - Luminor ATMs in Latvia |
Free up to EUR 600 per calendar month, 2% of the sum exceeding EUR 600 No change in fee name |
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| Visa Gold Revolving Other Cards’ related services |
EUR 1 PIN reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
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| Visa Classic Revolving Payments* and cash** |
Footnotes: *Purchase limit - €5 000 a day. **Cash withdrawal limit from ATMs: - Daily limit: €5 000 - Limit over 30-day period: €20 000 - Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology: €350 a day. |
Footnotes: - |
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| Visa Classic Revolving Payments and cash |
Free up to EUR 5000 per calendar month, 0.2% of the sum exceeding EUR 5000 Cash-in - Luminor ATMs in Latvia |
Free up to EUR 600 per calendar month, 2% of the sum exceeding EUR 600 No change in fee name |
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| Visa Classic Revolving Other Cards’ related services |
EUR 1 PIN reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Cash deposit or withdrawal using a code at ATMs of bank | EUR 5 Drawing up an application to obtain the Code:* - at Service places Footnotes: *Service is available for customers with account, which contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
EUR 10 Drawing up an application to obtain the Code: - at the Customer Service Center or via Customer Support (1) Footnotes: (1) If Cash-by code is ordered in Internet bank or via Customer support, the limit for cash withdrawal transactions is EUR 5000 daily, for cash deposit - EUR 5000 daily. |
| Cash deposit or withdrawal using a code at ATMs of bank |
EUR 2 - at Internet bank** Footnotes: **Daily cash withdrawal limit - EUR 700.00, daily cash deposit limit - EUR 700.00 |
EUR 3 Drawing up an application to obtain the Code: -via Internet bank (1) Footnotes: (1) If Cash-by code is ordered in Internet bank or via Customer support, the limit for cash withdrawal transactions is EUR 5000 daily, for cash deposit - EUR 5000 daily. |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Internal payments | at Service place or Call Center: EUR 5 via Electronic chanells: Free Transfers (outgoing payments) within the Bank: - between RIKO** and RIKO** accounts or between NDEA*** and NDEA*** accounts in all currencies - between RIKO** and NDEA*** accounts or between NDEA*** and RIKO** accounts in EUR currency Footnotes: **Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). For customers whose account number contains letters “RIKO”, there are reduced commission for Luminor property insurance policy payment at Service place or Call Centre – EUR 1,00. ***Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee To accounts within Luminor Latvia (1) Footnotes: (1)Reduced commission for Luminor property insurance policy payments via Customer Support is EUR 1,00. Terms for payments in Euros are available here Terms for payments in other currency are available here |
| Internal payments | Pursuant to other sections of the Price List regarding outgoing payments in respective currency. - transfer between RIKO** and NDEA*** accounts or between NDEA*** and RIKO** accounts in other currencies |
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| Outgoing payments in Euros Payments to European countries |
At the Customer Service Center: EUR 5 Via Digital Channels: EUR 0.36 - Standard SEPA** Footnotes: **SEPA payment – payment within Single Euro Payment Area in EUR currency. In the payment order for performance of such payment the following must be specified: the recipient's IBAN account number without spaces, the recipient bank SWIFT/BIC code, the type of fee - Shared (SHA) and the mode of execution: Standard. Upon the Customer's choice the payment order may include the following optional requisites: identifier assigned by the remitter and payment identifier assigned by the recipient. |
No change in fee Euro payments (1) Footnotes: (1) Payments to Single Euro Payments Area member states. Full list of countries can be found on the European Central Banks' webpage here |
| Outgoing payments in Euros Payments to European countries |
At the Customer Service Center: EUR 20 Via Digital Channels: EUR 14 - Express *** Footnotes: ***Payments in EUR currency only to the beneficiary banks that are members of the TARGET2 system. Payment urgency - Urgent. Transfer of funds to the beneficiary bank or intermediary within 3 hours, commencing from the moment the order was received by the Bank. If payment is sent to the beneficiary that is not a member of TARGET2, the payment will be executed as a standard payment of the EUR. |
No change in fee Urgent Euro payments (2) Footnotes: (2) Urgent payments to TARGET2 direct member banks. Full list of banks can be found on the European Central Banks' webpage here. |
| Outgoing payments in Euros Payments to European countries |
- | Footnotes: Terms for payments in Euros are available here |
| Incoming payments | Free Incoming payments Footnotes: - |
No change in fee Payments received from within the Single Euro Payments Area member states in Euros (3) Footnotes: (3) Payments from Single Euro Payments Area member states and compliant with SEPA requirements. Full list of countries can be found on the European Central Banks' webpage here |
| Incoming payments | Via Digital channels, payment type SHA: EUR 5 Via Digital channels, payment type OUR: Free Incoming currency payments: - Other payments Footnotes: - |
No change in fee - Incoming SHA payments (3) - Incoming OUR payments (4) Footnotes: (3) SHA – the beneficiary pays fees of a beneficiary bank and intermediary banks. (4) OUR – no fees are applied to the beneficiary. However, additional charges may be |
| Currency payments | At Service place or Call Center Type of service fee - Shared (SHA) – EUR 15 Via Electronic chanells Type of service fee - Shared (SHA) - EUR 10 Transfers (outgoing payments) within Europe in European currencies (CZK, DKK, NOK, GBP, CHF, PLN, SEK)****: - standard (Execution time - on the next banking day) |
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| Currency payments | At Service place or Call Center Type of service fee - Shared (SHA) – EUR 20 Via Electronic chanells Type of service fee - Shared (SHA) – EUR 15 Transfers (outgoing payments) within Europe in European currencies (CZK, DKK, NOK, GBP, CHF, PLN, SEK)****: - express (in NOK) (Execution time - on the same banking day) |
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| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Customer Service Center: EUR 15 SHA type payment via Digital Channels: EUR 11 OUR type payment in Customer Service Center: EUR 30 OUR type payment via Digital Channels: EUR 26 Other currency transfers (outgoing payments): - Economy (Execution time - on the day after the next banking day) |
At the Customer Service Center or via Customer Support: -SHA: EUR 21 -OUR: EUR 36 Via Digital Channels: -SHA: No change in fee -OUR: No change in fee - Ordinary SHA payment (1) - Ordinary OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Customer Service Center: EUR 20 SHA type payment via Digital Channels: EUR 14 OUR type payment in Customer Service Center: EUR 35 OUR type payment via Digital Channels: EUR 29 Other currency transfers (outgoing payments): - Standard (Execution time - on the next banking day) |
At Customer Service Center or via Customer Support: -SHA: EUR 24 -OUR: EUR 39 Via Digital Channels: -SHA: No change in fee -OUR: No change in fee - Urgent SHA payment (1) - Urgent OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Customer Service Center: EUR 35 SHA type payment via Digital Channels: EUR 21 OUR type payment in Customer Service Center: EUR 50 OUR type payment via Digital Channels: EUR 36 Other currency transfers (outgoing payments): - Express (Execution time* - on the same banking day) |
At Customer Service Center or via Customer Support: -SHA: No change in fee -OUR: No change in fee Via Digital Channels: -SHA: EUR 25 -OUR: No change in fee - Express SHA payment (1) - Express OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
- | Footnotes: Terms for payments in Euros are available here Terms for payments in other currency are available here |
| Payments Execution conditions for transfers (outgoing payments) |
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| Other payment services Standing orders |
Free Registration of regular payment order |
At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Registration of standing order |
| Other payment services Standing orders |
-Free -EUR 0.36 -EUR 10 Execution of regular payment order: - to Customer's account and to another account within bank - to Customer's account and to another account within bank - from RIKO* account to a different Latvian bank and to NDEA** account in other currencies Footnotes: *Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). **Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
According to the payments price list Standing order payment Footnotes: - |
| Other payment services Standing orders |
- | At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Amendment and cancellation |
| Other payment services Standing orders |
- | At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Registration of E-invoice standing order (ERRA) |
| Other payment services Standing orders |
EUR 0,36 per each payment Regular invoice payment/ E-invoice standing order (ERRA) |
According to the payments price list E-invoice standing order payment |
| Other payment services Other services |
EUR 1 Payment transaction printout and confirmation at Service places |
EUR 3 Payment transaction printout and confirmation |
| Other payment services Revocation, amendment and search of payment order |
EUR 20 Payments written off from Customer's account, but not transferred outside Bank |
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| Payments Revocation, amendment and search of payment order |
-EUR 50 -EUR 100 SEPA Payments, International and Currency Payments:* - up to 6 months after receipt of payment order - over 6 months after receipt of payment order |
-EUR 50 + extra costs -EUR 100 + extra costs Other payments: (1) - up to 6 months after receipt of payment order - over 6 months after receipt of payment order |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Deposits Term deposit account opening and maintenance |
3% of the requested Deposit amount, min. EUR 5,00 Termination of Term Deposit before the Last Day of Deposit Period* |
1% of the Deposit Principal amount, min. EUR 5 Termination of the Term Deposit before the Deposit maturity date (1) |
| Deposits Term deposit account opening and maintenance |
0,50% of the amount, min. EUR 3 Transfer of the Deposit Amount or any of part of it from the Savings Account to Current Account with the due prior notice: - less than 7 calendar days in advance from Savings account with account number RIKO** Footnotes: ** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
0.5% of the amount, min. EUR 5 Transfer from Savings account to current account with the prior notice: - less than 7 calendar days in advance Footnotes: - |
| Deposits Term deposit account opening and maintenance |
- less than 7 calendar days in advance from Savings account with account number NDEA*** Footnotes: *** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Deposits Term deposit account opening and maintenance |
0,50% of the amount, EUR 3,00**** Termination of "Saving for a Child"** or transfer of any part of the Deposit before the Last Day of Deposit Period Footnotes: ** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). **** Not applicable in case the Customer has come of age prior to the due date of the Deposit. |
0.5% of the amount, min EUR 5 Termination of the Saving for a Child or transfer from the Saving for the Child account before the Deposit Maturity Date (2) Footnotes: (2) Not applicable in case the Customer has come of age. |
| Term deposit account opening and maintenance Term deposit account opening and maintenance |
- | Footnotes: Annual Interest Rates on Deposits can be found here |
| Annual interest rates on Term deposits | - | |
| Pensions 3rd Pillar Pensions opening and servicing |
- | - Free - EUR3 Pension account statement: -By e-mail -By post |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Digital channels | EUR 18** - Code calculator issuance Footnotes: **Code calculator Digipass 270 for accessing NDEA accounts (accounts within which numbers, letters "NDEA" are displayed (LVxxNDEAxxxxxxxxxxxxx)): Free of charge. |
EUR 18 Code calculator issuance or replacement - |
| Digital channels | EUR 10 Code calculator replacement fee |
EUR 18 Code calculator issuance or replacement |
| Digital channels | - | EUR 0.12 SMS message about change in account balance |
| Digital channels | EUR 2 Maintenance of Nordea Internetbank, if fees for Internal, Domestic and Europe EUR payments are not applicable (except domestic payment to account which contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx))***, **** ***Subscription fee does not include cancellation of ERRA and regular payment commission. ****This service is not available from 01.07.2014. |
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| Digital channels | *Accounts within which numbers, letters "RIKO" are displayed (LVxxRIKOxxxxxxxxxxxxx). | - |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Accounts Current account opening and maintenance |
EUR 200,00** (EUR 100,00 is deducted before the account is opened) Initial inspection of documents submitted by non-resident / account opening Footnotes: ** EUR 100,00 from the commission is deducted from the submission of documents (the commission is not returned if the account is refused), the remainder of the commission is deducted from the opening of the account. |
EUR 200 Fee for verification of documents for an account opening for customers who are not legal residents (1) of EU, EEA or Swiss Confederation. Footnotes: (1) A natural person who has the right to reside in a member state of EU, EEA or Swiss Confederation by virtue of EU or national law, including a natural person who has acquired asylum seeker, refugee or alternative status. |
| Accounts Current account opening and maintenance |
0.1% per day Penalty for Delayed Payment for NDEA***** |
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| Accounts Escrow account |
0.4% of the transaction amount, min. €75, max. €500 Escrow account opening and preparation of the standard Escrow account agreement on transactions, if at the same time a mortgage loan with a pledge of real estate in favor of the bank is executed |
0.4% of the transaction amount, min. €50, max. €500 Escrow account opening and drafting agreement: - drafting of standard Escrow account agreement (together with issuance of a mortgage-backed loan by Luminor) |
| Accounts Escrow account |
0.4% of the transaction amount, min. €75 Escrow account opening and preparation of the standard Escrow account agreement on transactions in amount of up to EUR 250 000,00 |
No change in fee - drafting of standard Escrow account agreement (without issuance of a mortgage-backed loan by Luminor) |
| Accounts Escrow account |
As agreed, min. €1000 Escrow account opening and preparation of the standard Escrow account agreement on transactions in amount over EUR 250 000,00 or non-standard agreement |
No change in fee - drafting of non-standard Escrow account agreement |
| Accounts Escrow account |
Ass agreed Non-standard changes in Escrow account agreement |
As agreed, min. €50 Amendments to: - non-standard Escrow account agreement |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Other services References and account statements |
EUR 10 Preparation of a reference upon the Customer’s request*: - on the existence of an account transactions and account balance Footnotes: - |
No change in fee Drafting of a reference upon the Customer’s request (1): - Standard reference about account (2) Footnotes: (2) Standard reference on opened/ closed account; account balance; overdue liabilities for daily banking services. |
| Other services References and account statements |
- | EUR 40 - Standard reference about loan or transactions (3) (3) Standard reference on loan balance; fully repaid credit liabilities; non-existence of credit liabilities; approved / rejected loan; loan repayment quality; transactions in account, with card; used Regular payment and Regular invoice payment/ E-invoice standing order (ERRA). |
| Other services References and account statements |
By agreement, min. €40 - non-standard reference ordering |
By agreement, min. €55 - Non-standard reference |
| Other Services | EUR 5 Mail delivery |
-EUR 5 -EUR 10 Mail delivery: - in Latvia - Abroad |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Service package Mini Package |
Free Opening and maintenance of an unlimited number of RIKO*** current accounts Footnotes: *** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Opening and maintenance of unlimited number of current accounts Footnotes: - |
| Service package Mini Package |
Free Unllimited number of payments within Bank from RIKO*** account to one's own or a third party's RIKO*** account through Internet-bank** Footnotes: ** See the acceptance cut-off time and payment execution period under “Payments”. *** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Unlimited number of payments in Internet bank: - to accounts within Luminor Latvia Footnotes: - |
| Service package Mini Package |
Free Unlimited number of outgoing Standard SEPA payments through Internet-bank** Footnotes: ** See the acceptance cut-off time and payment execution period under “Payments”. |
No change in fee - Euro payments Footnotes: - |
| Service package Mini Package |
Free Execution of an unlimited number of Regular payment orders within Bank to one's own or a third party's account or another bank in Latvia in EUR** Footnotes: ** See the acceptance cut-off time and payment execution period under “Payments”. |
No change in fee Unlimited number of Standing order payments in Euros within Latvia Footnotes: - |
| Service package Mini Package |
Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
Footnotes: - |
| Service package Mini Package |
Footnotes: * If the average monthly balance of the Customer’s RIKO*** term deposits and current accounts in total exceeds EUR 5,000 no Monthly fee for the package is charged. |
Footnotes: (1) If the average monthly balance of the Customer’s term deposits and current accounts in total exceeds EUR 5,000 no Monthly fee for the package is charged. |
| Service package Basic package |
With a 30% discount on the Basic service package utilisation fee Monthly package utilisation fee for Seniors** Footnotes: ** Seniors - Customers at the age of 65 and above. |
EUR 1.54 Monthly fee for senior customers (65 years of age or older) Footnotes: - |
| Service package Basic package |
Free Monthly fee for young customers (up to 21 years old) |
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| Service package Basic package |
Free Opening and maintenance of an unlimited number of RIKO***** current accounts Footnotes: ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Opening and maintenance of unlimited number of current accounts Footnotes: - |
| Service package Basic package |
Free Producing of a single Visa Debit or Galactico Visa Debit payment card, monthly maintenance fee and renewal upon expiry*** Footnotes: *** Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards”. |
Visa Debit Debit Card (1) Footnotes: (1) Basic package - 1 Visa Debit card is included in the package |
| Service package Basic package |
Free Unlimited number of outgoing payments through Internet-bank****: - payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** account - standard SEPA Payments Footnotes: **** See the acceptance cut-off time and payment execution period under “Payments”; ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Unlimited number of payments in Internet bank: - To accounts within Luminor Latvia -Euro payments Footnotes: - |
| Service package Basic package |
Free Execution of an unlimited number of Regular payment orders****: -payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accoun -payments in EUR to another bank in Latvia or to NDEA****** accounts Footnotes: **** See the acceptance cut-off time and payment execution period under “Payments”; ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). ****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of Standing order payments in Euros Footnotes: - |
| Service package Basic package |
Free Unlimited number of Regular invoice payments**** Footnotes: **** See the acceptance cut-off time and payment execution period under “Payments”; |
No change in fee Unlimited number of E-invoice standing order payments Footnotes: - |
| Service package Basic package |
Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
Footnotes: - |
| Service package Black package |
€5.50 (3) Monthly fee for young customers (up to 18 years old) |
No change in fee Monthly fee for young customers (up to 21 years old) |
| Service package Basic package for kids and teens |
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| Service package Daily Banking Package |
- | |
| Service package Comfort package |
Free Opening and maintenance of an unlimited number of RIKO***** current accounts Footnotes: ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Opening and maintenance of unlimited number of current accounts Footnotes: - |
| Service package Comfort package |
Free Producing of a single Visa Classic payment card, monthly maintenance fee and renewal upon expiry* Footnotes: * Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards". |
Visa Classic Credit Card (1) Footnotes: (1) Comfort package cards of your choice - up to 3 Visa Debit cards and 1 Visa Classic card. |
| Service package Comfort package |
Free Producing of up to three Visa Debit or Galactico Visa Debit payment cards, monthly maintenance fee and renewal upon expiry* Footnotes: * Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards". |
Visa Debit Debit Card (1) Footnotes: (1) Comfort package cards of your choice - up to 3 Visa Debit cards and 1 Visa Classic card. |
| Service package Comfort package |
Subject to 70% discount of the regular price specified in the Pricelist under "Use of Echannels" Connecting of a single Internet-bank means of identification - Code calculator Digipass 270** Footnotes: ** Should the Customer opt for the Code calculator Digipass 270 at 70% discount and before the expiry of full 6 calendar months after execution of the Comfort Package change their arrangement to either Basic Package or Mini Package, the Customer shall be obligated to reimburse to the Bank for the obtained discount on the Code calculator pro rata to every calendar month the Customer is no more using the Comfort Package. |
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| Service package Comfort package |
Free Unlimited number of outgoing payments through Internet-bank***,****: -payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** account -payments outside the Europe in EUR - standard SEPA Payments -payments in other currencies Footnotes: *** See the acceptance cut-off time and payment execution period under “Payments”. **** Cross-border, currency payments, type "Standard", Fee "Shared (SHA)". ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Unlimited number of payments in Internet bank: - To accounts within Luminor Latvia - Euro payments, Payments outside Europe in Euro and payments in other currencies Footnotes: - |
| Service package Comfort package |
Free Execution of an unlimited number of Regular payments orders***: -payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** account -payments in EUR to another bank in Latvia or to NDEA****** accounts - to another bank in Latvia in other currencies Footnotes: *** See the acceptance cut-off time and payment execution period under “Payments”. ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). ****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of standing order payments Footnotes: - |
| Service package Comfort package |
Free Payment of an unlimited number of Regular invoice payments*** Footnotes: *** See the acceptance cut-off time and payment execution period under “Payments”. |
No change in fee Unlimited number of E-invoice standing order payments Footnotes: - |
| Service package Comfort package |
Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
Footnotes: - |
| Service package Daily Banking Package PLUS |
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| Service package Gold package |
Free Opening and maintenance of an unlimited number of RIKO***** current accounts Footnotes: ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Opening and maintenance of unlimited number of current accounts Footnotes: - |
| Service package Gold package |
Free Producing of a single Visa Gold payment card, monthly maintenance fee and renewal upon expiry* Footnotes: * Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards". |
Visa Gold; Visa Classic Credit Card (1) Footnotes: (1) Gold package cards of your choice - unlimited number of Visa Debit cards, unlimited number of Visa Classic cards and 1 Visa Gold card. |
| Service package Gold package |
Free Producing of an unlimited number of Visa Debit or Galactico Visa Debit payment cards, Visa Classic credit cards*, monthly maintenance fee and renewal upon expiry Footnotes: * Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards". |
Visa Debit Debit Card (1) Footnotes: (1) Gold package cards of your choice - unlimited number of Visa Debit cards, unlimited number of Visa Classic cards and 1 Visa Gold card. |
| Service package Gold package |
- | Free Use of Internet Bank |
| Service package Gold package |
Free Use of Internet-bank and connecting a single means of Identification - Code calculator Digipass 270** Footnotes: ** Should the Customer opt for the free Code calculator Digipass 270 and before the expiry of full 6 calendar months after execution of the Gold Package change their arrangement to either Comfort Package, Basic Package or Mini Package, the Customer shall be obligated to reimburse to the Bank for the obtained discount on the Code calculator pro rata to every calendar month the Customer is no more using the Gold Package. |
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| Service package Gold package |
Free Unlimited number of outgoing Payments through Internet-bank***,****: -payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** account -payments outside the Europe in EUR - standard SEPA Payments -payments in other currencies Footnotes: **** Cross-border, currency payments, type "Standard", Fee "Shared (SHA)". ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). ****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of payments in Internet bank: - To accounts within Luminor Latvia - Euro payments, Payments outside Eurpe in Euro and payments in other currencies Footnotes: - |
| Service package Gold package |
Free Execution of an unlimited number of Regular payments orders***: -payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** account -payments in EUR to another bank in Latvia or to NDEA****** accounts - to another bank in Latvia in other currencies Footnotes: *** See the acceptance cut-off time and payment execution period under “Payments”. ***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). ****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of standing order payments Footnotes: - |
| Service package Gold package |
Free Payment of an unlimited number of Regular invoice payments*** Footnotes: *** See the acceptance cut-off time and payment execution period under “Payments”. |
No change in fee Unlimited number of E-invoice standing order payments Footnotes: - |
| Service package Gold package |
Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Loans Housing loan, Idea loan (Private loan) |
€200 Agreement amendment fee (1) Footnote: (1) For example, changes in payment schedule, collateral composition, loan issuance conditions, loan currency etc. |
No change in fee No change in fee name Footnote: (1) For example, changes in payment schedule (excluding change of loan monthly repayment date), collateral composition, loan issuance conditions, loan currency etc. Agreement amendment fee for Private Banking customers is 0.5% of the current loan balance, min. EUR 200. |
| Loans Housing loan, Idea loan (Private loan) |
€35 Bank’s consent related to the property pledged to the Bank |
No change in fee Bank's approvals to state institutions and consents related to the property encumbered in favour of the Bank |
| Loans Student loan (new loans are not issued) |
EUR 25 Alteration of conditions in a loan agreement |
No change in fee Loan agreement amendment fee |
| Loans Student loan (new loans are not issued) |
Free of charge Prescheduled loan repayment |
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| Loans Credit line to debit card (new credit lines are not issued) |
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| Leasing Luminor Līzings Latvija SIA price list (DNB) |
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| Leasing Fees for leasing services Luminor Līzings SIA price list for leasing services |
1,5% of leasing object price, min. EUR 165,00 * when buying co-operation partners within the framework of shares, min. EUR 130,00 Commitment fee |
1.5% of leasing object price, min. EUR 165 No change in fee name |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
Up to €12 CSDD commission fee* |
No change in fee Road Traffic Safety Directorate's (CSDD) commission fee (1) |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 5 for each page Production of document copies and retrieval from archive |
No change in fee Issuing of document copies and retrieval from archive |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 15 Preparation of statements on lease liabilities (agreements, interest paid, outstanding liabilities, processing of reconciliation acts etc.) |
EUR 20 Preparation of standard notices (notices on lease liabilities, incl. agreements, paid interest, debt and coordination of comparative acts) |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
Up to EUR 50 Drafting and production of non-standard statements |
No change in fee price Preparation of non-standard notices |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 20 Granting consent to install LPG equipment on Lease Object |
No change in fee Granting consent to install LPG equipment on or perform other rebuilding of Lease Object |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
- | EUR 85 Preparation of reports upon the customer's request |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Investments services Investing in securities |
0,30%, min. EUR 5,70* Purchasing equities at stock exchanges of the Baltic states |
0,30% of the amount, min. EUR 5,70 (1) Purchasing and selling equities at stock exchanges of the Baltic states |
| Investments services Investing in securities |
0,30%, min. EUR 2,85* Selling equities at stock exchanges of the Baltic states |
0,30% of the amount, min. EUR 5,70 (1) Purchasing and selling equities at stock exchanges of the Baltic states |
| Investments services Investing in securities |
0,50%, min. EUR 50,00 Purchase / sale of equities at Eurozone stock exchanges (except the Baltic states) |
0.50% (min. EUR 50 / USD 65) Purchasing and selling foreign stocks/ETF in internet bank |
| Investments services Investing in securities |
0,50%, min. USD 50,00 Purchase / sale of equities at the US stock exchanges |
0.50% (min. EUR 50 / USD 65) Purchasing and selling foreign stocks/ETF in internet bank |
| Investments services Investing in securities |
0,50%, min. EUR 50,00 Purchase / sale of equities at other foreign stock exchanges |
0.50% (min. EUR 50 / USD 65) Purchasing and selling foreign stocks/ETF in internet bank |
| Investments services Investing in securities |
0,50%, min. EUR 40,00 Purchase/sale of ETFs |
0.50% (min. EUR 50 / USD 65) Purchasing and selling foreign stocks/ETF in internet bank |
| Investments services Investing in securities |
0,1% of the price, min. EUR 50,00 P urchase of bonds during initial placement |
Up to 2% of the price, min. EUR 50 Investing in debt securities in Internet bank |
| Investments services Investing in securities |
up to 2,00% of the price, min. EUR 50,00 Purchase/sale of bonds in the secondary market |
Up to 2% of the price, min. EUR 50 Investing in debt securities in Internet bank |
| Investments services Investing in securities |
Free Sale of index-linked bonds Footnotes: - |
0.20% from sales price Sale of index linked bond in secondary market (fee is included into bond price) (3) Footnotes: (3) Sell order may be subject to the third-party commissions, which will be included in the price of securities. |
| Investments services Investing in securities |
- 1,5%* - 1%* - 0,5%* Purchase of mutual fund certificates: - Fund funds, stock funds - Balanced funds - Bond funds, Reserve funds Footnotes: *Minimum fee for a fund that is not managed by Nordea Group companies is EUR 20,00. Minimum investment amount for Nordea funds: EUR 50,00 or equivalent in other currency, if a higher minimum investment amount is not fixed for a specific sub-fund in the prospectus. Minimum investment amount for other funds: EUR 1,000.00 unless a higher minimum investment amount is stated in the fund's prospectus. |
1 % of Trade amount, min. EUR 1 / USD 1.30) Investing in Nordea mutual funds in Iinternet bank Footnotes: - |
| Investments services Investing in securities |
EUR 7,15 / USD 8,50 / SEK 70,00 / NOK 70,00 / DKK 55,00 Sale of DNB and Nordea Fund certificates |
1 % of Trade amount, min. EUR 1 / USD 1.30) Investing in Nordea mutual funds in Iinternet bank |
| Investments services Investing in securities |
EUR 20,00 / USD 24,00 / NOK 190,00 Sale of other investment fund certificates |
1 % of Trade amount, min. €15 / USD 20 Investing in mutual funds in Internet bank |
| Investments services Securities account monthly maintenance fee |
0.01% of the amount, min. EUR 0.50 per month Custody fee (monthly payment) Footnotes: - |
0.01% of the total account value Monthly custody fee for securities in Luminor Investor and Luminor Trade (1) Footnotes: (1) Custody fee is calculated separately for equities, bonds and mutual funds. €0.50 per month minimum fee is applied for mutual funds asset class. No minimum fee is applied for equities and bonds. The custody fee will be calculated daily using the end of day portfolio values and charged on a monthly basis (excluding VAT where applicable). For any currency conversions to EUR, our partner SAXO bank uses market spot exchange rate adding 0.5% margin on top. A spot exchange rate is the current price level in the market to directly exchange one currency for another, for delivery on the earliest possible value date which is provided by most Electronic Communication Network (ECN) brokers (e.g. Reuters). |
| Investments Luminor Trade platform |
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| Investments services Investing in securities |
Mutual funds trading commissions: (4) Footnotes: (4) Luminor Bank AS Latvain Branch receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AS please refer to the document „General Information on Inducements“ available on the website of the Bank at the address |
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| Investments services Investing in securities |
Free Exchange Data Subscription* Footnotes: *For clients who trade equities and subscribe to real time market data, Luminor Bank has introduced a refund scheme where fees are refunded. Read more about subscribing to Exchange Data Subscription. |
Fee is applied according to the service provider pricelist Subscription for real time data Footnotes: - |
| Investments services Investing in securities |
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Fee is applied according to the service provider pricelist Interest for negative cash balance in Luminor Investor and Luminor Trade platforms |
| Investments services Investing in securities |
USD 90 Annual withholding tax on income earned in USA** |
No change in fee Fee for U.S. source income reporting to IRS (1) |
| Investments services Investing in securities |
The fee is applied according to the "Tax reclaim Service for beneficial Owners" pricelist Tax Reclaim Service for Beneficial Owners*** |
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| Investments Investing in securities |
2 EUR/ 2,70 USD / 1,70 GBP / 17 NOK / 18 SEK / 9 PLN Cash transfer from Luminor Investor account |
2 EUR/ 2,70 USD / 1,70 GBP / 17 NOK / 18 SEK / 15 DKK No change in fee name |
| Discretionary portfolio management | 0.01% of the amount, but not less than EUR 0.50 per month Custody fee Footnotes: - |
No change in fee Custody fee (1) Footnotes: (1) The custody fee will be calculated daily using the end of day portfolio values and charged on a monthly basis (excluding VAT where applicable). For any currency conversions to EUR, our partner SAXO bank uses market spot exchange rate adding 0.5% margin on top. A spot exchange rate is the current price level in the market to directly exchange one currency for another, for delivery on the earliest possible value date which is provided by most Electronic Communication Network (ECN) brokers (e.g. Reuters). |
| Discretionary portfolio management | Free of charge Exchange Data Subscription |
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| Discretionary portfolio management | USD 90 Annual withholding tax on income earned in USA Footnotes: - |
No change in fee Fee for U.S. source income reporting to IRS (2) Footnotes: The detailed information on the Annual withholding tax on income earned in USA, can be found here |
| Discretionary portfolio management | The fee is applied according to the "Tax reclaim Service for beneficial Owners" price list Tax Reclaim Service for Beneficial Owners |
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