Cards
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Ordering and delivering Visa Debit |
- | €1.30 Monthly fee for provision of an additional card |
New information about additional card |
| Ordering and delivering Luminor Black |
- | €3.50 Monthly fee for provision of an additional card |
New information about additional card |
| Ordering and delivering Luminor Visa Infinite |
- | €20 Monthly fee for provision of an additional card |
New information about additional card |
| Payments and cash Luminor Black |
Free up to €600 per calendar month, 2% of the sum exceeding €600 Cash withdrawal - Luminor ATMs (Latvia, Lithuania, Estonia) (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Cash withdrawal - Luminor ATMs (Latvia, Lithuania, Estonia) (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Increased limit |
| Payments and cash Luminor Black |
Free up to €600 per calendar month, 2% of the sum exceeding €600 (min. €3.50) Cash deposit - Luminor ATMs in Latvia (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Cash deposit - Luminor ATMs in Latvia (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Increased limit |
| Payments and cash Luminor Visa Infinite |
Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.50) Cash withdrawal - Luminor ATMs (Latvia, Lithuania, Estonia) (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50) Cash withdrawal - Luminor ATMs (Latvia, Lithuania, Estonia) (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Increased limit |
| Payments and cash Luminor Visa Infinite |
Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.50) Cash deposit - Luminor ATMs in Latvia (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50) Cash deposit - Luminor ATMs in Latvia (6) (6) The calculation is made on the basis of confirmed transactions within a month. Confirmed transactions are the transactions, which are shown on account statement. |
Increased limit |
| Other services Luminor Black Luminor Visa Infinite |
Delivering the Priority Pass Free - by post to address in Latvia €10 - by post to address abroad |
New information about delivering the Priority Pass |
Loans
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Housing loan, Idea loan (Private loan) | 1% of loan amount or additionally disbursable amount, min. €100 Agreement fee |
1% of loan amount or additionally disbursable amount, min. €100 Agreement fee (1) (1) Different conditions can be applied if the purchase agreement is signed with Luminor partners. |
New footnote added |
| €200 Agreement amendment fee (1) (2) (1) For example, changes in payment schedule (excluding change of loan monthly repayment date), collateral composition, loan issuance conditions, loan currency etc. (2) If the early repayment of the loan takes place at the same time as the reduction of the repayment term, resulting in no increase in the monthly payment, no commission fee is charged. |
€200 Agreement amendment fee (2) (3) (4) (2) For example, changes in payment schedule (except change of monthly loan repayment date), collateral composition, loan issuance conditions, loan currency, etc. In case the interest rate under the agreement is fixed and its validity is terminated as a result of changing the terms and conditions of the agreement, then an additional fee is applied which is equal to the early repayment fee applied to loans with fixed interest rate (see “Early full or partial loan repayment if interest rate is fixed”). In such cases, the calculation of the fee is based on the outstanding loan amount but not on the pre‑paid loan amount. For the purpose of application of this fee the validity of the fixed interest rate is considered to be terminated in the following cases: - the fixed interest rate is changed into the interest rate changed on a 3, 6 or 12 month basis; - the fixed interest rate is changed into a lower fixed interest rate; - the loan currency is changed; - the effective period of the fixed interest rate is shortened; - the loan amount provided by the agreement is reduced. (3) If the early repayment of the loan takes place at the same time as the reduction of the repayment term, resulting in no increase in the monthly payment, no commission fee is charged. (4) In case of complex amendment up to 0.2% of loan balance. |
New footnote added | |
| €20 Change of loan monthly repayment date or change of loan repayment account or extension of loan issuance |
Change of loan monthly repayment date or loan repayment account or extension of loan issuance (5) Free - once in a calendar year €20 - as of the second change in one calendar year (5) Extension of loan issuance up to 90 days at the customer’s request. |
Fee price changed and footnote added | |
| Free Early loan repayment Partial loan repayment prior to agreement maturity date |
Free Early full or partial loan repayment if the interest rate is floating |
Fee name adjusted | |
| The fee is calculated according to the formula (6), unless otherwise specified in the agreement Early full or partial loan repayment if the interest rate is fixed (6) The fee is calculated as compensation for potential costs of the Bank directly linked to the early repayment. The fee is calculated according to the formula: I = (ratio K * P), where I – early repayment fee; P – loan amount being repaid early; Ratio K – value calculated by the Bank which depends on the financial market interest rates change, the rest of the period to a fixed rate expiry and the final repayment date. |
New fee | ||
| €100 Penalty for failure to submit the insurance policy of the collateral |
New fee |
Payments
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Payments to European countries | €14 Urgent Euro payment (2) (2) Urgent payments to TARGET2 direct member banks. Full list of banks can be found on the European Central Bank's webpage. |
€14 Urgent Euro payment (2) (2) Urgent payments to EEA member states. The full list of countries can be found here. |
Footnote adjusted |
| Payments to other countries and Payments to other banks |
€11 Ordinary SHA payment (2) (2) SHA (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/ intermediary banks fees (such fees may be withheld from the transferred amount). |
€13 Ordinary SHA/SHAR payment (2) (2) SHA/SHAR (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/ intermediary banks fees (such fees may be withheld from the transferred amount). |
Fee price changed |
| €14 Urgent SHA payment (2) (2) SHA (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/ intermediary banks fees (such fees may be withheld from the transferred amount). |
€16 Urgent SHA/SHAR payment (2) (2) SHA/SHAR (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/ intermediary banks fees (such fees may be withheld from the transferred amount). |
Fee price changed | |
| €36 Express OUR payment (3) (3) OUR (all fees for payer) – when a payment is sent with the charge type OUR, all fees by the beneficiary’s bank and/or by the correspondent banks will be covered by the payer. However, the Bank shall not be held liable if the beneficiary does not receive the full payment amount due to other reasons beyond the Bank's control (additional charges may be deducted by correspondent/ intermediary banks from the transferred amount). |
€46 Express OUR/DEBT payment (3) (3) OUR/DEBT (all fees for payer) – when a payment is sent with the charge type OUR, all fees by the beneficiary’s bank and/or by the correspondent banks will be covered by the payer. However, the Bank shall not be held liable if the beneficiary does not receive the full payment amount due to other reasons beyond the Bank's control (additional charges may be deducted by correspondent/ intermediary banks from the transferred amount). |
Fee price changed |
Leasing
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Fees for Leasing services | 1.5% of the paid financed amount, but not less than €90.75 Additional commission fee for private customers engaged in economic activity in case the financed amount is repaid before maturity in partial or full amount for agreements with fixed interest rate (3) (3) This fee is applied in addition to the fee related to loan principal reduction or repayment before maturity. |
New fee | |
| 1.5% of the outstanding financing amount, but not less than €90.75 Additional Commission fee for private customers engaged in economic activity in case the fixed interest rate is amended to another base interest rate type or another fixed interest rate (refixing) (4) (4) This fee is applied in addition to the fee related to the amendments to the leasing agreement. |
New fee |
Investments
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Financial instrument account Other financial instrument account related services |
If Bank is obliged to pay any taxes, fees, interest, penalties or incur other costs that are not covered in the Bank’s Price List and are related to the provision of securities safekeeping, execution and any other relevant service to the Client, and which are not caused by the Bank's gross negligence or wilful misconduct, the Bank shall have the right to debit such amounts from the Client’s Current Account without prior Client’s consent. | New footnote | |
| Luminor Investor platform Securities Trading |
0.1% of Trade amount BlackRock ESG multiasset ETFs: 1) BlackRock ESG Multi‑Asset Conservative Portfolio UCITS ETF (ISIN: IE00BLP53M98) 2) BlackRock ESG Multi‑Asset Moderate Portfolio UCITS ETF (ISIN: IE00BLLZQS08 ) 3) BlackRock ESG Multi‑Asset Growth Portfolio UCITS ETF (ISIN: IE00BLLZQ805) |
New fee | |
| Luminor Investor platform Other Luminor Investor platform related services |
8% per annum (2) Interest for negative cash account balance in Luminor Investor platform (2) Interest on the negative Luminor Investor cash account balance is calculated at the rate of the current interbank ask rate, plus fixed additional interest rate of 8%. Interest is deducted at the beginning of the month for the days of the previous month when account had a negative cash balance. |
Fee removed from the price list |