Luminor Investor platform

Luminor Investor platform

Luminor Investor platform
  • Lower trading fees and fees plans that match your trading habits from July 1st  
  • User‑friendly platform with wide range of financial instruments available
  • Easy and fast onboarding process
Start investing
Apply for Consultation

Luminor Investor

Investment platform for customers who know what they want. With Luminor Investor you can invest in more than 17 000 instruments including stocks, bonds, exchange-traded funds (ETFs) and mutual funds. Do it anywhere, anytime on any device.

From July 1st, 2025 we are lowering trading fees. Check out our Luminor Investor pricing plan offers.

Important! Investment entails risks. Please carefully read information at the bottom of this page and make your investment decision on informed basis.

Why Luminor Investor

  • Fast onboarding process
    Sign Luminor Investor agreement in Luminor internet bank.
  • One of the biggest self-service investment offering in Baltics
    17 000 instruments including stocks, bonds, exchange traded funds (ETFs) and mutual funds.
  • Possibility to trade on US exchanges with a reduced tax rate
    Read more here.
  • Flexible pricing options
    Benefit from lower trading fees and choose pricing plan that fits your trading habits.
  • Adapted to your needs
    Filter by asset class, country, sector, exchange, market capitalization, different company ratios, currencies, maturities, ratings, issuer names and more.
    Create the watchlist of your favorite financial instruments.

Open Investor Account

It is easy to start with Luminor Investor

1. Become a Luminor customer
2. Open Luminor Investor account
3. If you are married, provide spouse attorney for investing
4. Sign the contract digitally in Internet bank
5. Start investing. Transfer money to Luminor Investor and start investing!

Open Investor account here

It is easy to start with Luminor Investor

Choose pricing plan that best suits your trading profile

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Base plan
- 0.20 % of the transaction amount, but no less than EUR 3, if traded in European market.
- 0.20 % of the transaction amount, but no less than USD 2, if traded in US market.
- Suitable for smaller transactions, as the minimum charge is lower.
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Elective plan
- 0.08 % of the transaction amount, but no less than EUR 10, if traded in European market.
- 0.08 % of the transaction amount, but no less than USD 10, if traded in US market.
- More cost‑effective for larger transactions, as the percentage fee is lower.

From July 1st, 2025 the pricing of the Base plan shall be applied automatically for all the users of Luminor Investor platform.
You can change the pricing plan once in every 4 months.

Change the pricing plan

Fee comparison by trade amount

Trade size range Better plan Why?
Less than EUR 5,000 Base plan Pay less than EUR 10 – lower min fee for small trades
More than EUR 5,000 Elective plan Save with lower percentage fee for larger trades

For smaller transactions, the Base plan is better, while for larger transactions, the Elective plan is more advantageous.

Full fee comparison by trade amount
Transaction amount, EUR/USD Base plan fee Elective plan fee
100 €3 / $2 €10 / $10
500 €3 / $2 €10 / $10
1,000 €3 / $2 €10 / $10
2,000 €4 / $4 €10 / $10
3,000 €6 / $6 €10 / $10
4,000 €8 / $8 €10 / $10
5,000 €10 / $10 €10 / $10
10,000 €20 / $20 €10 / $10
25,000 €50 / $50 €20 / $20
50,000 €100 / $100 €40 / $40
100,000 €200 / $200 €80 / $80

Want to know more?

Apply for consultation

Investment ABC

Get to know the instruments you are able to invest with Luminor Investor

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Stocks
Stocks (equity securities) are units of ownership in the companies. If the company that issued the shares (the issuer) earns profit, a portion of the profit may be distributed to the shareholders in the form of dividends. 
Watch video
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Bonds
A bond is a non-equity security, under which the issuer (company, government or other issuing institution) becomes the bond holder’s debtor.
Watch video
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ETFs
Exchange traded funds (ETFs) are collective investment schemes that are listed on stock exchanges. ETFs are managed by professional investment management companies.
Watch video
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Mutual funds
Mutual Funds are collective investment schemes that are made up of a pool of funds collected from investors for the purpose of investing in various financial instruments, like shares, bonds, other mutual funds, derivatives and etc.
Watch video

Grow Your Wealth

Take your finances to the next level.

Learn to plan your finances that cover your needs, save for items that matter for you the most, and invest with confidence.

Learn more

Grow Your Wealth

Luminor Investor FAQ

These are the plans that charge a fixed commission fee, regardless of which European or US stock exchanges you are trading on.

Choose the plan that best suits your trading profile: Basic or Elective. Learn more here.

Starting from 1st of July, 2025, we will apply the Base plan fees to all customers.

If your average transaction amount is more than EUR or USD 5,000, the Elective plan will be a more budget‑friendly option.

You can change your pricing plan every 4 months.

In order to open Luminor Investor investment account, you have to be Luminor client and have bank’s account. For more information how to open account in Luminor visit here.

You can sign Luminor Investor agreement in Internet bank, choosing Saving and investment tab.

You can find the full price list here.

See more answers

Luminor Investor. FAQ

Useful links

 Luminor Investor User Guide
How to login to Luminor Investor platform
Access to US market in Luminor Investor
Money transactions to/from Luminor Investor
Spouse attorney for investing
Pricelist
Information for Investors (MIFID)
Luminor Investor related Terms & Conditions
Deposit and Investment Insurance

Disclaimer
 
Investing in financial instruments involves significant risk. The value of your investments may fluctuate, and you may lose part or all of your invested capital. Past performance is not a reliable indicator of future results. More information about investor protection, including but not limited to a description of financial instruments and related risks, you may find here.
 
Luminor does not provide investment advice in Luminor Investor platform. Any information or communication from us should not be considered as recommendation or personal advice. You are solely responsible for your investment decisions and should seek independent financial advice if needed.
 
The information provided herein does not constitute an offer or solicitation to buy, sell, or invest in any specific financial instrument or strategy.