Savings Notes | Luminor
Savings Notes

Savings notes for business is the smarter way to invest your company’s spare funds.

Why choose Savings Notes?

Risk warning! Investing involves risks! Read more below.

Savings Notes

Maturity Interest rate Terms of Issue  Redemption Date
2 years 0,0 %  Terms of Issue 2018 06 11

How to get savings notes:


Invest online

Visit Internet banking and invest online . The minimum you can invest in is 1 savings note for 12 months.


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Who can buy savings notes?

  • Individual enterprises, partnerships, cooperative companies, agricultural partnerships, public enterprises, associations (alliances, confederations, unions, societies), trade unions, charity and sponsorship funds, social/public organizations, religious organizations, associations of apartment building owners, associations of gardeners, political parties, family based entities
  • limited liability companies, joint-stock companies and financial institutions are not permitted to buy savings notes

Useful links

Deposit and Investment Insurance
Savings notes issuance schedule (in Lithuanian)
Previously distributed savings notes
Savings Notes Issuance and Circulation Rules (in Lithuanian)

Invest company’s spare funds

You might also be interested in: ETF (Exchange Traded Funds), Bonds

Withdrawal of funds

Any funds withdrawn after the fixed term (60 days after savings notes maturity) in a branch or withdrawn at an ATM will attract the standard bank fees outlined in the Price list. More...

Savings notes transfer

Savings notes can be transferred to other investors, as outlined in the Lithuanian Savings Notes Issuance and Circulation rules. If savings notes are acquired during marriage, then a notarized power of attorney is re-quired for transfer of savings notes. Otherwise, savings note transfer agreement must be signed by both spouses at DNB bank.


If you cancel the contract early, the contract will not end immediately but in accordance with your pre-term maturity dates. The Government of the Republic of Lithuania is re-sponsible for the redemption of savings notes and interest payment. Therefore, by investing into savings notes, you assume the risk of insolvency of the Government of the Republic of Lithuania.

Premature redemption

To use savings notes premature redemption please apply to any DNB branch on timely basis. The deadline for submitting and receiving applications is outlined in the Terms and Conditions of the particular Issue or Savings Notes acquisition agreement. View the Terms and Conditions of Savings Notes issues that have been previously distributed by DNB bank.
Please note: premature redemption of savings notes may be carried out on interest (coupon) payment date. On this day you can: (i) receive funds invested in savings notes on the pre-mature basis for the pre-mature redemption price indicated in the Terms and Conditions of the Issue (provided that the application was submitted on timely basis) or (ii) to receive interest (coupon). In other words, if you submit an application for savings notes’ premature redemption on the interest payment date, you will receive only the price of premature redemption.
An application for premature redemption can be made online via Internet bank (Savings and Investments->Investment Portfolio->Sell) or visit us at any DNB branch.
You can cancel application for premature redemption if the term for submitting application has not expired.