Become a Customer

It’s the perfect time to join Luminor

Join Luminor and enjoy the benefits

Bonus
Join Luminor and receive a bonus of EUR 25!

Become a Luminor customer from 2 September 2024, order a Luminor Black card and make at least 5 purchase transactions with the card from the moment of card activation until 30 November 2024 and receive a bonus of EUR 25!

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Housing loan
Special offer for your first home loan with us

For energy efficiency class A properties: Variable annual interest rate for the first 12 months: 0% + 3-, 6- or 12-month Euribor. For energy efficiency class B and C properties: Variable annual interest rate for the first 6 months: 0% + 3-, 6- or 12-month Euribor (1). See representative example below.

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Monthly fee - EUR 0 for the First 2 Months

Enjoy the benefits of the card for the first 2 months for free. Offer valid for first-time package activation from 01.11.2024 to 31.01.2025. (2)

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Car leasing
Special leasing interest rates for new cars

1.45 % per year + 3-month Euribor for electric cars, 1.79 % per year + 3-month Euribor for hybrid and low-emission (CO2 ≤ 130 g/km) cars, and 1.89 % (4) per year + 3-month Euribor for other new cars.

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Grow Your Wealth!
Take your finances to the next level

Find out how to choose the right savings and investments solutions to grow your wealth and cover your personal goals.

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Housing loan: representative example of a special offer

Loan amount € 102 000, loan repayment term – 25 years (300 monthly payments), down payment 15% of the transaction amount (€ 120 000) - € 18 000. Monthly payment – € 570.83. Minimum monthly account maintenance fee – € 1.30. Bank’s annual interest rate of 1.59% + 6-month Euribor*. Loan agreement fee – € 1 020. Mortgage registration in the land register – € 115.50. Total repayment amount – € 172 580.75. Annual percentage rate (APR) – 4.78%. This example is informative. The loan is secured by the mortgage on the real estate. The mortgaged property must be insured. Additional costs depend on the additional services chosen by the customer, which may be included in the additional conditions of the offer. Creditor: Luminor Bank AS Latvian branch.
* A variable 6-month Euribor rate of 2.972 per year, effective on 21 October 2024, is used in this example.

Car leasing: representative example:
Purchase price of a car EUR 26 000, down payment EUR 2 600, financing amount EUR 23 400, finance lease period 5 years, annual interest rate 1.89 % + 3-month Euribor (3.47 % as of 13.09.2024), transaction or commitment fee EUR 390, total repayable amount EUR 27 117.60, monthly payment EUR 445.46, annual interest rate (APR) 6.23 %. The customer is obliged to provide CASCO insurance for the car. The example is informative. Service provider: Luminor Līzings SIA (reg. No. 40003348054).

Join Luminor remotely

Video call with a consultant

Business days (9:00–18:00)

For Latvian citizens, over the age of 18. You’ll need:
- a valid passport or ID card issued in Latvia;
- a Smart-ID Qualified account or eID with an electronic signature.

Online with photo self‑service

24/7 (processed within 1 bus. day)

For residents, over the age of 18. You’ll need:
- a valid passport or ID card issued in Latvia;
- a Smart-ID Qualified account.

Apply in person
If don’t have a passport or ID issued in Latvia, don’t have an electronic signature, or would prefer to apply in person, please reach out to us by phone +371 67 17 1880 to book an appointment at one of our Customer Service Centres.

"Everything could be arranged quickly. Being able to open an account remotely is a big bonus."

Everything happened in a very positive atmosphere, creating a sense of security. The employee tried to explain everything in understandable language to a person to whom financial questions are not so clear! Everything could be arranged quickly. Being able to open an account remotely is a big bonus.
Customer, 36 years old

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The best is yet to come

Become a customer

(1) The offer is valid for the applications submitted until 31.12.2024 for your first housing loan with us. Starting from the 13th or 7th month after the loan is granted, an individually determined variable interest rate is applied according to the terms of the loan agreement. The offer may include additional conditions depending on the individual situation of the customer.
(2) Free cash out up to EUR 1 200 from Luminor ATMs and up to EUR 400 from other ATMs worldwide. Certain ATMs abroad may impose an ATM fee, notifying them about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.
(3) Luminor Purchase and Travel insurance services are provided by ADB Compensa Vienna Insurance Group, reg. No. 40103942087, Vienības gatve 87H, Riga. For more information on purchase insurance, please refer to the rules. Full terms and conditions for travel insurance can be found here.
(4) The offer is valid for applications submitted until 31.12.2024.

Luminor offers daily banking services to citizens or residents of Latvia, Lithuania, and/or Estonia, and would like to establish a business relationship with all potential customers who see Luminor bank as a partner for everyday services, as well as lending, investments, or deposits.

Useful links

Pricelist
Basic payment account opening for natural persons
Background information on the protection of the state-guaranteed deposits
Information for customers on switching payment accounts in Latvian
Standardized terms of services and their definitions (Glossary)
Information regarding bank’s target customer
Your rights when making payments in Europe
Application to redirect salary payment to Luminor