Become a Customer

Join Luminor and enjoy the benefits

The Lottery
"Win with a Luminor Black Card"

From 1 June to 31 August, spend at least EUR 30 with your Luminor Black card and register the receipt. Each month we will draw 10 prizes worth EUR 500 each, while the grand prize is EUR 10,000 in your Luminor Black card account.Lottery permit No. 8163. Lottery period 01.06.2024-20.09.2024.

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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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Home Insurance
For the safety of your home

Feel at ease with home insurance: 24/7 free emergency assistance; full reinstatement value insurance; covering the loan margin if the insured event makes the property uninhabitable; precipitation cover.

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Luminor Black
Just EUR 3.50 per month

Unlimited euro transfers and cash withdrawals up to 1 600 EUR/month without additional fees (2), included purchase and travel insurance (3) – all this and more for just 3.50 EUR/month till 31.12.2024. (4)

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Car leasing
50 % discount on the agreement fee

Enjoy our special offer – now pay only half the leasing agreement fee (5)! The offer is valid for new private individuals who join Luminor bank between 3 June 2024 and 30 August 2024 and is available for the first 6 months after becoming a customer

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AirTag as a gift
Open a free account for your child and get an AirTag*

Guide your child into independence: teach real life math in finances and saving habits and help kid to learn keeping a track of their treasures seamlessly.

*Competition conditions: the first 400 applications will receive an AirTag during the contest from 21.08.2024 to 25.09.2024

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Housing loan: representative example of a special offer

Real estate price	Loan amount	Loan repayment term	Down payment	Loan agreement fee	Bank annual interest rate of 1.69% + 6 month Euribor	Minimum monthly account maintenance fee	Monthly instalment	Total repayment amount	Mortgage registration in the land register	Annual percentage rate (APR)
€ 120 000	€ 102 000	25 years (300 payments)	€ 18 000	€ 1 020	5.31 %	€ 1.30	€ 616.09	€ 185 952.04	€ 115.50	5.57 %

This example is informative. A variable 6-month Euribor rate of 3.619 % per year, effective on 25 July 2024, is used in this example.
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.

Car leasing: representative example of a special offer

Car purchase price €24 000, down payment €2 400, financing amount €21 600, financial lease term 5 years, leasing annual interest rate 1.89 %+ 3‑month Euribor (3.66 % as at 15.07.2024), transaction processing or commitment fee with 50 % discount €180, total repayment amount €24 964.80, monthly instalment €413.08, annual percentage rate (APR) 6.06 %. CASCO insurance must be ensured for the car. This example is informative. Service provider: Luminor Līzings SIA (reg. No. 40003348054).

"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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(1) The offer is valid for the applications submitted from 04.04.2024 until 01.08.2024 for your first home loan with us. Starting from the 13^th 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) Luminor Black package EUR 3.50 per month until 31.12.2024, if the Luminor Black package is activated within the period from 01.09.2023 to 31.08.2024 for the first time, from 01.01.2025 the fee according to the price list. Offer valid till 31.08.2024 or until revoked.
(5) 50 % discount applied to the commission fee (regular commitment fee according to the pricelist – 1.5 % from the purchase price, min. EUR 165).

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