This information concerns only Luminor business customers using account numbers beginning with LTXX21400 and users of Luminor|Nordea internet bank.

Due to the quarantine situation in the country, the migration is postponed and is not happening April 25-26. We will notify you of the new date at least 30 days in advance.

What does it mean?

Two banking systems merged into one. As a next step we need to move our data to unified platform – that means leaving legacy systems and moving all customers’ data to one system (i.e. we are going through a process of "migration").

How does it affect you?

Moving the data into another platform means that after the migration:

Here is how you should prepare!

End of February / beginning of March

End of February / beginning of March

Update the company’s contact information.
Please check if we have the correct company’s address and other contact information (you can check it in the Internet bank).
Check the company’s e-mail or Internet bank – we will send you the information about the exact migration date and how it is going to affect our business customers.

Beginning of April

Beginning of April

The company will receive new payment cards.
Ask the card users to put them inside their wallets so the cards are available after the migration day.
Until after the migration you will not be able to use the new cards.

Few days before the migration

Few days before the migration

Make payments in advance and take out some cash if needed.
There will be interruptions with cards and internet bank during the migration weekend.

After the migration

After the migration

Start using your new payment cards.
Start using Luminor|DNB Internet bank.
The new BIC code is AGBLLT2X – please inform your business partners and customers.

List of changes


  • All accounts, which starts with LTXX21400, will be transferred to unified system.  Each of the transferred IBAN accounts in Luminor’s uniform system will become a multi-currency account (i.e. The same IBAN number can be opened in different currencies). The customer should individually decide which IBAN accounts they prefer to keep and use for various currencies, and which should be closed. You can close your account by making a request on the Internet bank or at a Luminor Customer Service Center.
  • The Minimum Account Charge application logics will be changed. The charge will be applied to each IBAN separately. During the transitional period, we will apply one charge for all transferred IBAN accounts, however we invite you to use the advantage of the multi-currency account by using the same IBAN for accounts in other currencies, where necessary, and to close other accounts with excessive IBAN numbers. We will separately notify of the transitional period end date.
  • The indebtedness in the account will be covered once inflows are received into this particular account only. in cases where the balance in the account is insufficient to debit the fees, the amounts payable to the bank will be accrued and debited once inflows are received into any account.
  • Account managers' rights defined in the specimen signatures and seal card at the Customer service centre of the bank will be set the same as granted on the Internet bank, irrespective of whether an operation will be carried out at the Customer service centre of the Bank or on the Internet bank. If needed, make sure you grant account managers' right on the Internet bank before the day of service migration.
  • Your Account(s) with the new number and Luminor VISA Card(s) will be governed by those provisions of the Payment Service Rules and the Pricelist that are applicable to the accounts having the number starting with LTXX40100.

Banking packages

  • We’ll transfer the business package you have at the start of the month of services migration. If you hold the accounts starting with LTXX40100, we’ll review the business packages applied to you and assign one of them – a larger business package, its content and type can be viewed and changed in Luminor | DNB internet bank or mobile bank.
  • XL banking packages will no longer be available. During the migration, L banking package will be assigned instead, its content and price are available here.
  • The fee for the services and transactions in excess of the services and/or transactions limit applied to the business package will be debited from your account on the next workday after the operation exceeding the chosen package limit.
  • Fee for business banking package will be debited from your account on the first 5 (five) days of a current month.

Payment cards

  • Luminor Mastercard payment cards will no longer be available. If you have any, we will make new Luminor VISA payment cards for you and will mail them to the address specified on behalf of the company to the bank.
  • The same old Mastercard card PIN code will be valid to the new card.
  • New Luminor VISA debit card will expire in 03/2023.
  • Cash withdrawal and payment transactions limits will be changed. New limits for Luminor debit cards for business customers are available here.
  • Business payment cards can be viewed only on the internet bank or mobile bank used on behalf of the company.
  • If you hold a Matercard debit card with insurance, we’ll extend your travel insurance policy to be valid to the same cardholder till 30 April 2021.
  • If you travel a lot, particularly outside Europe, consider the possibility to order other Luminor payment card (business credit card) with a traditionally broader card acceptance network across the world and with travel insurance included in it.
  • The terms and conditions for credit payment cards will change. Luminor Mastercard credit payment cards will be functioning till two weeks before migration day, the used Mastercard card credit limit will be covered automatically from the funds available in ex-Nordea bank accounts. We’ll contact you for signing the application-agreement on new Luminor VISA credit cards.

Account statements

  • By choosing an Account Statement on Luminor | DNB internet bank, you can view transactions performed during the past three years. Different transaction codes can be viewed until the services migration date. You can get older account statements at the request submitted in the customer service outlet or on Luminor|DNB internet bank for the fee specified in the Bank's pricelist.
  • Accounts Statements that used to be submitted through the E-pay channel will be sent by e-mail after the migration of all services. Please verify whether the last used e-mail address is factually specified to the bank. You can do that on the Internet Bank or by phone 1608.
  • You will not be able to choose account statements in “Daily balances in XML format (CAMT 52)” in Luminor|DNB internet bank. Information will be available by selecting account extract review on the Internet bank.
  • Luminor|DNB internet bank’s XML account statement will no longer have some of the optional fields which you will view marked in red in the link here.
  • Different statements in csv format, the structure can be viewed here.
  • We will be using other payment transaction codes, the list is available here.
  • Short transaction codes will not be used in account statements in MT940 format.


  • The payment templates created on Luminor | Nordea internet bank will be moved from the column “Register of Recipients” into Luminor | DNB internet bank column “My templates” which will be created until 3 March 2020. Payment templates created afterwards will not be transferred, we suggest that you create new templates in Luminor | DNB internet bank.
  • We will migrate agreements on standing orders. You’ll find them under Luminor | DNB internent bank’s column “List of Payments”. Historic payments performed under agreements on standing orders will not be migrated.
  • We will transfer unpaid e-invoices, valid automatic e-invoices payment agreements and will order receipt of e-invoices into Luminor|DNB.
  • We will not transfer payment orders created but not signed by you or payment orders with future payment date.
  • Funds will be credited in the beneficiary’s account in the same currency in which the payment transfer was received. If the beneficiary does not have a bank account in the currency specified in the incoming cross-border payment, it will be opened automatically. The customer will individually have to take care of the conversion of funds into the preferred currency. The funds can be converted as usual - on Luminor|DNB internet bank or at the nearest customer service outlet.
  • The procedure for determination of the limits on payment transactions on the Luminor|DNB internet bank will be changed. Limits will be set to user on all accounts the user manages.  We’ll set the following limits:
    Transaction limit – if it was set on Luminor|Nordea internet bank then the maximum limit from those made available to the user. If not, then the same as the daily limit;
    Daily limit – the maximum limit from those made available to the user;
    Monthly limit – unlimited. If needed, the customer her/himself should take care of its setting.
The requested limits can be changed/set by submitting the application on Luminor|DNB internet bank: Applications ->Document group: Other services -> Requests: Request to Change Transaction Limits on the Internet Bank.
  • From the services migration date Luminor bank will use only one SWIFT BIC code – AGBLLT2X. Please provide it to all of your partners and suppliers. Transfers with NDEALT2X  SWIFT code will not be available from the services migration date.
  • We are asking those who use the service of payment import in XML format to check the data against Luminor|DNB description you can find here. The comments about the critical points to which you should pay your attention are available here.
  • The cut-off times for extra urgent transfers in euros will be changed. The new cut-off times are applicable the same as to the accounts having the number starting with LTXX40100 and available here.

Internet bank

  • If you are not yet a user of Luminor|DNB internet bank, you’ll be able to log in with your current Luminor | Nordea internet bank Log-in User ID with the mobile-ID or Smart-ID. If  You already have Luminor|DNB internet bank login code previously issued to you, make sure you use it to login.
  • To create a Smart-ID account, please choose Luminor|Nordea internet bank as the identification method and log in with the current authentication means (the instruction for downloading and using Smart-ID on the smart phone is available here).
  • If you have been using Nordea Codes application or code generator to log in to Luminor|Nordea internet bank, you’ll be no longer able to use them to log in to Luminor|DNB internet bank.
  • If you received your login codes to Luminor | Nordea internet bank during the period from 3 March 2020 till migration day, you will receive also a new login code to login to Luminor|DNB internet bank. You will receive them both at the bank’s Customer Service Center. Consultation centers adresses available here.
  • If you use switching between countries on Luminor internet bank, you will need to have login tools in each country. The customer's login codes will remain the same.
  • Historical information (e.g. sent and received letters, information messages, etc.) will not be transferred on Internet bank. You can save your information the day before of the service migration, or if needed you will be able to receive it by making a separate request at a bank Customer Service Center, on Internet bank or by means of remote communication.


  • Frequency and day of payment of interest for deposits with periodic interest payment will change.  In all cases, interest will be paid once a month, on the first day of a month.
  • We will not migrate expired term deposit agreements, you will get it in Consultation center, if required.
  • We will migrate pledged deposits as regular term deposits but they will be blocked and assigned to collateral for the loan.
  • Interest calculation method will change – for the purpose of interest calculation, a calendar year will be considered to have 360 days, while a calendar month -  30 days.
  • Name of the saving deposit will be changed into saving account and the name of the annex to the agreement 'Description of the terms and conditions of saving deposit for private customers' will be changed into 'Description of the terms and conditions of saving account for private customers'.
  • The frequency for interest payment on saving accounts will be changed. The interest will be paid not on a quarterly basis but on the last day of each month.
  • The following documents will be recast and their new versions will be valid from the day of service migration: 'Description of the terms and conditions of saving account for private customers' and 'General description of the terms and conditions of term deposits for private customers'. Information about them is available here.


  • The time for debiting credit repayment instalments, interest and other payable amounts from the account will be changed. Credit repayment instalments, interest and other payable amounts will be debited from the account at the beginning of the day of payment, therefore the funds required for such payments shall be accumulated in the credit service account (i.e. in the account specified in the credit agreement for credit disbursement and payable amounts debiting) before the end of the day preceding the day of payment. If the balance for covering such payment is insufficient on the aforesaid borrower’s account at the beginning of the day of payment, the Bank will reserve the deficit amount in the borrower’s other accounts with the Bank by restricting the borrower’s right to dispose of such the amount of funds on the day of payment. The restriction will be removed after the borrower transfers the required amount to the account specified above or at the end of the day of payment the restricted funds will be debited to cover the payments.

    Please note that that at the expiry of the day of payment of the payable amounts and if the balance in the account specified in the credit agreement is insufficient to cover the payment, then other accounts of the borrower are further verified, notwithstanding the currency of funds in such accounts.

    To avoid currency exchange and other related additional costs, it is important to ensure that on the day of payment of the payable amounts enough funds to cover the payment in the credit currency are available in the account specified in the credit agreement. If the changed principle for debiting the payable amounts causes inconvenience due to the fact that funds to cover payments are normally kept in the account other than the one specified in the credit agreement, we invite to contact the Bank for changing the account which is established as the main account for collection of the payable amounts in order to avoid any possible inconvenience.
  • The time for covering an overdraft will be adjusted. The borrower must ensure that the amount of money required for debiting the amounts payable to the Bank is available in the bank account not later than by 3 p.m. on the day of payment. If at the end of the day of payment the balance in the account is not sufficient to cover the instalment, the Bank will reserve a deficit amount to cover such instalment in the borrower’s other accounts with the Bank by restricting the Borrower’s right to use this amount of funds until debiting these funds to cover the payable amounts, which is done not later than by the end of the day of payment. If the borrower transfers the deficit amount to the bank account before debiting the reserved funds to cover the payable amounts, the Bank immediately removes the restriction for the borrower to use the respective amount in the borrower’s other accounts held with the Bank.
  • The due dates for all payments under overdraft agreements expire on the actual day of expiry specified in the agreement, regardless of whether or not it is a workday, public holiday or non-workday. 
  • The borrower can withdraw the funds from the overdraft limit till the day preceding the limit expiry date.
  • Loan repayment schedule will not be seen on Luminor/DNB internet bank, however you will be able to see the next future credit repayment. If you wish to receive a payment schedule when the period of interest setting changes, please inform us by submitting a free form request (on Internet bank or through Consultation centre) and every time interest rate changes, we will send it by post by a simple letter to the address instructed to the bank.

Trade finance

  • The Bank will no longer apply the right established in the bank guarantee or letter of credit issuance agreement to increase the used limit amount by 15 percent if the bank guarantee or letter of credit is issued in the currency other than the currency in which the limit is granted.
  • The procedure for the calculation and payment of the guarantee and /or letter of credit limit fee will be changed – the fee (to be seen as the guarantee/letter of credit interest in account statements) will be paid for a calendar month on the last calendar day of the current month in the limit granting currency, except for a first and/or last payment of the guarantee and/or letter of credit limit fee. The first fee will be accrued for the period from the day of issuing a guarantee or letter of credit to the last day (inclusively) of the same month and will be paid until the last calendar day of the same month. The fee as accrued for the last month of the guarantee or letter of credit validity will be paid till the day on which the bank’s obligations expire under the issued guarantee or letter of credit. If a guarantee or letter of credit is issued on the last calendar day of the month, the fee for that day will be paid together with the guarantee and/or letter of credit limit fee for the next calendar month. 

    If the fee is paid when issuing a guarantee or letter of credit or for a quarter ahead, the aforesaid fee payment procedure will become applicable only after the expiry of the term for which the fee has been paid already.


  • Three days before migration weekend, you will not be able to place orders for acquisition, sale, transfer or exchange of financial instruments by using Luminor|Nordea Internet bank. Acceptance of orders will be resumed from migration day via Luminor|DNB Internet bank.
  • If you need to conclude a transaction during trade suspension period, you should apply for transfer of financial instruments before the migration (except for bonds linked to the financial instrument) to the Luminor Investor platform.  Reallocation of financial instruments to the Luminor Investor platform will be free of charge. Customers with investments into financial instruments traded on the stock exchange will be offered an opportunity to transfer their financial instruments to other brokers free of charge.
  • If you wish to sell Nordea Asset Management investment funds and/or Nordea's issued bonds linked with a financial instrument during the trade suspension period, you will be able to place an order on sale transaction in a free written form on the Internet bank or in a bank's unit. The price of the financial instrument on the day on which the placed order will be carried out in the new system upon completion of the service migration processes will be fixed. Money received from sold financial instruments will be credited to the current account in the new system.
  • Valid orders regarding financial instruments will not be moved to the single Luminor platform – they will be automatically revoked on the day of migration. Invalid, completed and revoked orders, older than 1st of January 2016, will also not be moved to the single platform. Upon your request, the Bank will issue statements for previous periods about your concluded transactions, their prices, charged fees in a mode convenient for you.
  • Agreements on periodic investment into fund units will not be migrated and the later service will not be provided for customers in the new system. Data of historical orders completed under agreements on periodic investment into fund units will be available on the Internet bank for the periods from 1st January 2016. Valid agreements on periodic investment into fund units will be automatically revoked on the day of migration, i.e.  24th of April 2020.
  • Service of switch of Nordea Asset Management investment fund units will not be available on the new single platform of Luminor.
  • From migration day, General terms and conditions of the agreement on investment service provision will be amended and recast, changing also the title of the document. From migration day, the General terms and conditions of the agreement on investment service provision will be called the General Part of the Agreement on management of financial instrument account, completion of orders and provision of recommendations. The document is available here.
  •  After the service migration, Terms and conditions of investment service provision (D) will apply to you. Terms and conditions of investment service provision (D) are available here.

Group account

  • Access to Group Account administration tools like Luminor|Nordea Internet bank and Multibank will be closed. You will be able to access Group Account information in future via Luminor electronic banking tool, Bridge. Please view: Bridge- demo.

    We will contact you shortly regarding your new Bridge access and agreement.

Other corporate digital channels

  • Corporate digital channels, provided by Nordea Bank in Nordic countries, will no longer be directly available for Luminor customers and/or their owned accounts in Luminor. If you are using at least one of these services, please contact us by e-mails and/or to discuss this change and alternative choice of channels/services if necessary.
    - Nordea Corporate Netbank
    - Nordea eGateway
    - Nordea WebService

Useful links

 How to create Smart-ID account with code generator or code card? 
 How to activate Smart-ID account in Luminor | DNB internet bank?
 How to create Smart-ID account with mobile signature? in Lithuanian
You can test Luminor|DNB bank here
Principles of assigning transaction limits for new VISA payment card

Moving the data to the unified Luminor system