Seamen program | Luminor

Daily services

Luminor Black

Convenient for travel, practical for daily use

Travel insurance for you and your family* – both at home and abroad
Free 180‑day purchase insurance that covers repair or reimbursement (terms and conditions apply)
Free cash out within the limit from Luminor and other bank ATMs worldwide
Free euro transfers in Europe and an unlimited number of internet banking users and current accounts at no extra cost

* Children (students up to the age of 24), spouse or cohabiting partner (1+ year of joint household) travelling together with the cardholder.

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Currency conversion

For those working in the maritime and fishing industries, currency is converted at a specially adapted rate, which applies if the amount to be converted is at least €5,000.

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Financing

Car purchase

Car leasing

50 % discount on the commitment fee for transaction processing (1)
Leasing amount from €8,000 and funding up to 90 % of the purchase price of the car
Interest rate from 1.89 % + 3‑month Euribor. For environmentally friendly cars – from 1.45 % + 3‑month Euribor

(1) This offer is valid for leasing applications submitted on the Luminor website until 31.12.2025 if the code PARJUR is indicated in the leasing application.

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Car loan

Fixed annual interest rate of 8.9 % and €0 loan agreement fee (2)
Loan amount from €2,000 to €20,000
No down payment required

(2) The offer is valid for loan applications submitted until 31.12.2024 if the code PARJUR is indicated in the loan application.

Apply for a loan

Car leasing representative example: Car purchase price €24,000, down payment €2,400, financing amount €21,600, financial lease term 5 years, leasing annual interest rate 2.24 %+ 3‑month Euribor (3.66 %), transaction processing or commitment fee with 50 % discount €180, total repayment amount €25,174.80, monthly instalment €416.58, annual percentage rate (APR) 6.43 %. CASCO insurance must be ensured for the car. This example is informative. Service provider: Luminor Līzings SIA (reg. No. 40003348054).

Car loan representative example: If the loan amount is €8,000, with a loan repayment term of 60 months, fixed annual interest rate of 8.9 %, loan agreement fee of €0 and minimum monthly account maintenance fee of €1.30, then the total repayment amount will be €10,018.80, the monthly instalment €165.68, and the annual percentage rate (APR) 9.64 %. This example is informative.

Bigger purchases

Consumer loan

Fixed annual interest rate of 9.9 % and €0 loan agreement fee (3)
Loan amount from €1,000 to €15,000
No down payment required

(3) The offer is valid for loan applications submitted until 31.12.2024 if the code PARJUR is indicated in the loan application.

Apply for a loan

Consumer loan representative example: If the loan amount is €5,000, with a loan repayment term of 60 months, fixed annual interest rate of 9.9 %, loan agreement fee of €0 and minimum monthly account maintenance fee of €1.30, then the total repayment amount will be €6,437.40, the monthly instalment €105.99, and the annual percentage rate (APR) 10.94 %. This example is informative.

Real estate purchase or renovation

Loan for home renovation or property acquisition

Fixed annual interest rate of 8.9 % and €0 loan agreement fee (4)
Loan amount from €2,000 to €30,000
No down payment required

(4) The offer is valid for loan applications submitted until 31.12.2024 if the code PARJUR is indicated in the loan application.

Apply for a loan

Loan for home renovation or property acquisition representative example: If the loan amount is €8,000, with a loan repayment term of 60 months, fixed annual interest rate of 8.9 %, loan agreement fee of €0 and minimum monthly account maintenance fee of €1.30, then the total repayment amount will be €10,018.80, the monthly instalment €165.68, and the annual percentage rate (APR) 9.64 %. This example is informative.

Mortgage loan

Take a look at our housing loan offer. Find out more
Altum support programmes
Personalised consultations
Remote application and signing of the agreement

Apply for a loan