Price list changes for private customers from early 2025
We continue to work to make our services convenient, simple, and easy for customers to use in their everyday lives. For example, if you forget your card PIN, you can view it instantly in the internet bank or its mobile app. And with the start of next year, changes are coming that will make daily life even easier.
We have changed the names of some of our services to make them easier to understand. Changes are also expected in the prices of services.
Changes in price as of 1 January 2025
Payment cards
| Item in pricelist | Current fee | Fee as of 01.01.2025. | Change type |
|---|---|---|---|
| Visa Debit Cash withdrawal -Luminor ATMs in Baltics - Citadele, SEB, Swedbank ATMs in Latvia - other ATMs in Latvia and foreign countries |
- Free up to €750 per calendar month, 0.4% of the sum exceeding €750 - N/A - 2% of the sum (min. €3.50) |
- Free up to €750 per calendar month (2), 0.4% of the sum exceeding €750 (3) - Free up to €750 or 5 transactions per calendar month (2), 2% of the sum (min. €3.50) exceeding €750 or 5 transactions (3) - 2% of the sum (min. €3.50) (2) Free monthly limit of €750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia. (3) The fee is charged monthly for all debit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month. |
Fee adjustment |
| Luminor Black Cash withdrawal - Luminor ATMs in Baltics - Citadele, SEB, Swedbank ATMs in Latvia - other ATMs in Latvia and foreign countries |
- Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) -N/A - Free up to €400 per calendar month, 2% of the sum exceeding €400 (min. €3.50) |
-Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) - Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) - Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) (4) Free monthly limit of €750 is common for all Luminor Black credit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia. (5) The fee is charged monthly for all Luminor Black credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month. |
Fee adjustment |
Accounts and Packages, Packages
| Item in pricelist | Current fee | Fee as of 01.01.2025. | Change type |
|---|---|---|---|
| Luminor Debit Cash withdrawal at Luminor ATMs in Baltics - Debit Card - Luminor Black Card Cash withdrawal at Swedbank, SEB, Citadele ATMs in Latvia - Debit Card - Luminor Black Card Cash withdrawal at other ATMs in Latvia and foreign countries - Debit Card - Luminor Black Card |
- Free up to €750 per calendar month, 0.4% of the sum exceeding €750 - Not included - N/A - N/A - 2% of the sum (min. €3.50) - Not included |
- Free up to €750 per calendar month (2), 0.4% of the sum exceeding €750 (3) - Not included - Free up to €750 or 5 transactions per calendar month (2), 2% of the sum (min. €3.50) exceeding €750 or 5 transactions (3) - Not included - 2% of the sum (min. €3.50) - Not included (2) Free monthly limit of €750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia. (3) The fee is charged monthly for all debit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month. |
Fee adjustment |
| Luminor Black Cash withdrawal at Luminor ATMs in Baltics (2) - Debit Card - Luminor Black Card Cash withdrawal at Citadele, SEB, Swedbank ATMs in Latvia (2) - Debit Card - Luminor Black Card Cash withdrawal at other ATMs in Latvia and foreign countries (2) - Debit Card - Luminor Black Card |
- Not included - Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) - N/A - N/A - Not included - Free up to €400 per month, 2% of the sum exceeding €400 (min. €3.50 |
- Not included - Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) - Not included - Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) - Not included - Free up to €750 per calendar month (4), 2% of the sum exceeding €750 (min. €3.50) (5) (4) Free monthly limit of €750 is common for all Luminor Black credit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia (5) The fee is charged monthly for all Luminor Black credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month. |
Fee adjustment |
Changes in price as of 1 February 2025
Digital channels
| Item in pricelist | Current fee | Fee as of 01.02.2025. | Change type |
|---|---|---|---|
| Code calculator Digipass 270 issuance or replacement | €18 | €21 | Fee adjustment |
| Code calculator Digipass 750 VC issuance or replacement for customers with visual impairment (1) (2) (1) Limited quantity available, therefore code calculator Digipass 270 could be issued in case of replacement. (2) Issued at Customer Service Centers. |
- | Free | New fee |
Payment cards, Other services
| Item in pricelist | Current fee | Fee as of 01.02.2025. | Change type |
|---|---|---|---|
| Luminor Black Priority Pass lounge visits (1) - the first three single visits per year - starting from the fourth visit (1) Cardholder can bring additional guests to lounge every time cardholder visits lounge. Companions' visits are counted as separate visits. |
€28 each €28 |
€30 each €30 |
Fee adjustment |
| Luminor Visa Infinite Priority Pass lounge visits (1) - the first three single visits per year - starting from the fourth visit (1) Cardholder can bring additional guests to lounge every time cardholder visits lounge. Companions' visits are counted as separate visits. |
Free €28 |
Free €30 |
Fee adjustment |
Investments, Financial Instrument account
| Item in pricelist | Current fee | Fee as of 01.02.2025. | Change type |
|---|---|---|---|
| Shares and ETF trading commissions: Subscription to equities during initial public offering |
- | 0.1% of the amount, min. €2 | New fee |
| Debt securities trading commissions: Purchase/sale of debt securities in the secondary market |
Up to 2% of the price, min. €50 | 0.50% of the trade value, min. €50 | Fee adjustment |
| Debt securities trading commissions Subscription to debt securities during initial offering |
- | 0.50% of the trade value, min. €20 | New fee |
| Securities transfers Transfer of financial instruments registered in foreign countries (except the Baltic states) from Luminor to another credit institution |
Transfers of securities registered in Scandinavian countries (Norway, Sweden, Finland, Iceland): €40; Registered in other EU countries (not Scandinavian countries), Switzerland, USA, Canada, and Japan: €50; Securities other than those mentioned above: €160 |
€40 | Fee adjustment |
| Securities transfers Delivery-versus-payment transfers (DVP): - If the transaction involves the transfer of financial instruments from/to other bank |
Transfers of securities registered in Scandinavian countries (Norway, Sweden, Finland, Iceland): €40; Registered in other EU countries (not Scandinavian countries), Switzerland, USA, Canada, and Japan: €50; Securities other than those mentioned above: €160 | €40 | Fee adjustment |
| Other services related to Financial Instrument account Participation in the meeting of share/debt securities holders (1) (1) Does not include the representation of a customer. |
As individually agreed | €100 | Fee adjustment |
| Other services related to Financial Instrument account Processing of voluntary corporate events related to financial instruments |
€20 + external costs | €35 | Fee adjustment |
Investments, Luminor Investor platform
| Item in pricelist | Current fee | Fee as of 01.02.2025. | Change type |
|---|---|---|---|
| Other services related to Luminor Investor platform W-8BEN form processing and certification for US market access in the Luminor Investor platform |
USD 35 or €30 | €30 | Fee adjustment |
| Other services related to Luminor Investor platform Participation in the meeting of share/debt securities holders (1) (1)Does not include the representation of a customer. |
- | €100 | New fee |
| Other Luminor Investor platform related services Processing of financial instruments related voluntary corporate events |
Free | Service already provided | Fee adjustment |
Investments, Discretionary portfolio management
| Item in pricelist | Current fee | Fee as of 01.02.2025. | Change type |
|---|---|---|---|
| Discretionary portfolio management Management fee |
As agreed with the client (plus Value Added Tax (VAT)) | Up to 1,2% (plus Value Added Tax (VAT)) | Fee adjustment |
Changes in fee name as of 1 February 2025
Accounts and Packages, Current account opening and maintenance
| Current fee name | Fee name as of 01.02.2025. |
|---|---|
| Free First account opening (1) (1) When opening an account, it is mandatory to choose a daily banking package, for which a monthly fee will be applied according to the pricelist. |
Free First account opening for legal residents of the EU, EEA and Swiss Confederation (1) (1) When opening an account, it is mandatory to choose a daily banking package, for which a monthly fee will be applied according to the pricelist. |
| €200 Fee for verification of documents for an account opening for customers who are not legal residents (3) of EU, EEA or Swiss Confederation. (3) 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. |
€200 (3) First account opening for customers who are not legal residents (2) of the EU, EEA or Swiss Confederation (2) A legal resident is a natural person who has the right to reside in a member state of the EU or EEA or in Swiss Confederation by virtue of EU or national law, including a natural person who has acquired asylum seeker, refugee or alternative status. (3) The fee is not charged if the account is not opened. |
Payment Cards, Ordering and delivering
| Current fee name | Fee name as of 01.02.2025. |
|---|---|
| Visa Debit Free Monthly fee for additional card (children 6 to 18 (not incl.) years of age) |
Visa Debit Free Monthly fee for additional card linked to a parent as a customer (children starting from age 6 to 17 including) |
| All cards, Other cards' related services PIN code reminder Free In Internet bank €5 In Customer Service Centers or via Customer Support) |
All cards, Other cards' related services Free Viewing the PIN code in the internetbank and mobile application |
| Luminor Visa Infinite (7) (7) New Luminor Visa Infinite credit cards are not issued from 02.05.2024. |
Card fees to be transferred to „No longer issued cards (I)” section |
Accounts and Packages, Packages
| Current fee name | Fee name as of 01.02.2025. |
|---|---|
| Packages, Minimum service charge €1.30 Monthly fee €1.30 Monthly fee for senior customers (65 years of age or older) €1.30 Monthly fee for young customers (up to 21 years old) |
Packages, Minimum service charge €1.30 (1) Monthly fee €1.30 (1) Monthly fee for senior customers (65 years of age or older) €1.30 (1) Monthly fee for young customers (up to 21 years old) (1) Minimum service charge will be set if customer has no active cards. |
Loans and leasing
| Current fee name | Fee name as of 01.02.2025. |
|---|---|
| Housing loan, Idea loan (Private loan) €400 Refinancing the loan liabilities at another creditor or in case of sale of the pledged property if the transaction is financed by other creditor (7) (7) Based on the amendments to the Consumer Rights Protection Law of 15.02.2024, no fee is charged for the preparation and/or review of documents when refinancing credit obligations with another creditor. |
Housing loan, Idea loan (Private loan) €400 Sale of the pledged property if the transaction is financed by other creditor |
| Luminor Līzings SIA and Luminor Līzings Latvija SIA price list Fees for Leasing services 1.5% of leasing object price, min. €165 Commitment fee (1) (1) Standard fees are indicative and may vary based on agreement between the parties. |
Luminor Līzings SIA price list Fees for leasing services 1.5% of leasing object price, min. €165 Agreement fee (1) (1) Standard fees are indicative and may vary based on agreement between the parties. |
| Luminor Līzings SIA and Luminor Līzings Latvija SIA price list Fees for Leasing services 1.5% of leasing object price, min. €165 Commitment fee for change of the lessee |
Luminor Līzings SIA price list Fees for leasing services 1.5% of leasing object price, min. €165 Agreement fee for change of the lessee |
Investments, Financial Instrument account
| Current fee name | Fee name as of 01.02.2025. |
|---|---|
| Securities Transfers Free-of-payment transfers (FOP): €15 Transferring financial instruments registered in the Baltic states from Luminor to a credit institution in Baltic states |
Securities transfers Free-of-payment transfers (FOP) (1): €15 Transfer of financial instruments registered in the Baltic states from Luminor to another credit institution in the Baltic states (1) In case of inheritance the fee is paid by the recipient. |
| Securities Transfers Free-of-payment transfers (FOP)): €1.50 - Transferring financial instruments registered in the Baltic states to Luminor from a credit institution in Baltic states |
Securities transfers Free-of-payment transfers (FOP) (1): €1.50 Transfer of financial instruments registered in the Baltic states to Luminor from another credit institution in the Baltic states (1) In case of inheritance the fee is paid by the recipient. |
| Securities Transfers Free-of-payment transfers (FOP): Transfers of securities registered in Scandinavian countries (Norway, Sweden, Finland, Iceland): €40; Transfers of securities registered in other EU countries (not Scandinavian countries), Switzerland, USA, Canada and Japan: €50; Securities other than those mentioned above: €160 Transfer of financial instruments registered in foreign countries (except the Baltic states) from Luminor to another credit institution |
Securities Transfers Free-of-payment transfers (FOP) (1): €40 Transfer of financial instruments registered in foreign countries (except the Baltic states) from/to Luminor to/from another credit institution (1) In case of inheritance the fee is paid by the recipient. |
| Securities Transfers Delivery-versus-payment transfers (DVP): Transfers of securities registered in Scandinavian countries (Norway, Sweden, Finland, Iceland): €40; Transfers of securities registered in other EU countries (not Scandinavian countries), Switzerland, USA, Canada and Japan: €50; Securities other than those mentioned above: €160 If the transaction involves the Transfer of financial instruments from/to other Bank |
Securities transfers Against payment transfers (DVP/RVP): €40 If the transaction involves the transfer of financial instruments from/to other bank |
| Securities Transfers Delivery-versus-payment transfers (DVP): €15 If the transaction involves the Transfer of financial instruments registered in the Baltics from/to another Bank |
Securities Transfers Against payment transfers (DVP/RVP): €15 If the transaction involves the transfer of financial instruments registered in the Baltic states from/to another bank |
| Financial instrument account monthly maintenance fee Custody fee (monthly payment): (1) Free Other financial instruments (1)Custody fee is calculated based on the portfolio value on the last business day of the month. Portfolio value is calculated based on nominal value for bonds and non-listed securities, market value for equities and exchange traded funds, net asset value (NAV) of the investment fund units. Where the market value of the securities is not available, most recent available price shall be used for portfolio value calculation. Where such market value is not available either, the portfolio value of the securities shall be calculated based on the nominal value of the securities. Safekeeping fee is calculated in Euro, for securities issued in foreign currencies fee is calculated in accordance with the official exchange rate announced by the European Central Bank. |
Financial instrument account monthly maintenance fee Custody fee (monthly payment): (1) 0.015% (min. €1) Financial instruments in the financial instruments account (1) Custody fee is calculated and debited from current/investment account by the 15th calendar day of the following month. Custody fee is calculated based on the portfolio value on the last calendar day of the month. Portfolio value is calculated based on nominal value for bonds and non-listed securities, market value for equities and exchange traded funds, net asset value (NAV) of the investment fund units. Where the market value of the securities is not available, the last most recent available price is used for portfolio value calculation. Where such market value is not available either, the portfolio value of the securities is calculated based on the nominal value of the securities. Custody fee is calculated in Euro, for securities issued in foreign currencies fee is calculated in accordance with the official exchange rate announced by the European Central Bank. |
| Other Financial instrument account related services As individually agreed Other services related to corporate actions |
Other Financial instrument account related services As individually agreed Other services related to the financial instruments (2) (2) Power of attorney, certificate, certificate for blocking of financial instruments according to the customer request, others. |
Removed from the price list as of 1 February 2025
Payment cards, No longer issued cards (I)
| Product name |
|---|
| No longer issued cards (I) Galatico Visa Debit card related fees |
Other services, Cash transactions at the Customer Service Centers and in ATM's
| Product name |
|---|
| Cash deposit or withdrawal using a code at ATMs of bank Drawing up an application to obtain the Code: €3 via Internet bank (1) (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. |
Investments, Financial Instrument account
| Product name |
|---|
| Securities Trading 0,2% Selling of index linked bonds in secondary market (2) (2) Sell order may be subject to the third-party commissions, which will be included in the price of securities. |
| Securities Transfers Free-of-payment transfers (FOP): €40 Transfer of financial instruments registered in foreign countries (except the Baltic states) to Luminor from another credit institution |
| Financial instrument account monthly maintenance fee Custody fee (monthly payment) Free Index-linked bonds |
| Other Financial instrument account related services €10 Blocking of financial instruments, incl. the shareholders' meeting |
| Other Financial instrument account related services Bank's costs + 10% (1) Investigation of financial instruments transactions and related events (1) 10% is calculated from the Corporate Action reclaim amount, which we will receive after investigation. |