FAQ - Banking packages | Luminor
I had an account with both ex DNB and Nordea banks. From now on, do I have one banking package to pay for?

As long as your accounts are not transferred into one system, the fees are also applied separately. 
The conditions of Luminor | DNB and Luminor | Nordea banking packages are slightly different. They are specified in the pricelist following your account scheme. If you do not want to pay fees for two banking packages, we recommend that you transfer your account (-s) to Luminor | DNB.

What is the difference between the Banking Package and minimum service charge?

The minimum service charge (0.90 EUR/month) is applied to the customers who use the bank’s basic services. This charge combines three banking services: account maintenance, unlimited on-line debit transfers in euros, and unlimited on-line credit transfers in euros in Lithuania and in the EEA. Other banking services are subject to standard fees as specified in the Pricelist.
The package offers more services for one fixed fee. We recommend our banking packages to customers who use more daily banking services, i.e. have a payment card, withdraw cash in ATMs. The fixed package price also covers the minimum service charge.

 

Who pays the minimum service charge?

Private customers holding at least one account with our bank.

Which services are covered by the minimum service charge?

The minimum service charge covers the administration and handling of all accounts, crediting funds in euros from banks in Lithuania and the European Economic Area (EEA), all on-line euro transfers to banks in Lithuania and EEA, utility payments and on-line purchases.

Are banking packages mandatory?

No, banking packages are not mandatory. A private customer who pays the minimum service charge and additionally pays for other individual services and a payment card may opt for a banking package and enjoy the offered benefits.

How can I order a banking package?

Luminor banking packages can be ordered on the internet bank, by phone at 1608 or by visiting the nearest customer service outlet.

What is the basic payment account service and is it mandatory?

That is the basic payment account and minimum payment services for a single charge. The service charge may not exceed the maximum charge set by the Bank of Lithuania and disadvantaged persons are offered 50% discount. It is not mandatory.

How can I book the basic payment account service?

At Luminor you can book it by phone at 1608 or at the outlet. Also at Luminor | DNB you can book it on the internet bank.

How does the basic payment account service differ from other banking packages?

The banking package content and price are set by our bank, while the basic payment account service features are defined by the Bank of Lithuania. At the moment, the content and fees for this service correspond to the Daily Package in our bank. There are two main differences: Daily Package holders are offered discounts based on the age groups, while discounts on the basic payment account service are also offered to disadvantaged persons; and also, unlike the banking package, the basic payment account service is offered only to the basic payment account and only at the customer’s confirmed request.

In case one of the packages is selected, will the minimum service charge be applied as well?

In case of any banking package selected, the minimum service charge is included in the monthly package fee.

What payment card fees, transfer fees and other everyday service fees are applied to the customers who have not signed up for any banking package?

The minimum service charge is applied to private customers. The services that are not covered by this fee are subject to standard fees set in the Pricelist.

If I have a second payment card that does not belong to a banking package, do I have to pay for it separately?

Yes, if your additional payment card is not in the banking package, a standard fee specified in the Pricelist will be charged.

Do you charge fees on euro transfers in the bank's branch to customers who have signed up for a respective banking package or are paying the minimum service charge?

Yes, a standard commission fee is charged as specified in the bank's Pricelist.

Do you charge fees on transfers in other currencies on the internet bank to customers who have signed up for a respective banking package or are paying the minimum service charge?

Yes, a standard commission fee is charged as specified in the bank's Pricelist.

Do you charge fees on inflows in other currencies to customers who have signed up for a respective banking package or are paying the minimum service charge?

Yes, a standard commission fee is charged as specified in the bank's Pricelist.

Can I withdraw cash in the same places like before?

Customers at Luminor | DNB can withdraw cash: in Luminor and SEB ATMs in Lithuania, Perlas terminals, PayPost outlets, and shops providing cash withdrawal services. Customers at Luminor | Nordea can withdraw cash: in Luminor ATMs in Lithuania.

What cash withdrawal conditions are applicable in other than specified ATMs to customers who have signed up for a banking package?

A standard fee as set in the respective bank’s pricelist will be charged on withdrawal in other banks' ATMs.

Can I withdraw cash with all cards linked to my banking package?

At Luminor | DNB the total withdrawal amount is applied to all cards linked to the banking package. At Luminor | Nordea the specified withdrawal amount is only applied to cash withdrawal with a debit card.