Price list changes for private customers
From 1 January and 1 February 2025, we are making some changes to our Private Customer Price List. The main changes will apply to the following categories: banking packages, payment cards, loans and leasing, digital channels, and investments.
Changes in Price from January 1, 2025
Banking Packages
Standard Banking Packages – Basic payment account service (1)
| Product or service | Current price | Price from 1 January 2025 | Change type |
|---|---|---|---|
| Monthly fee | EUR 1.37 | EUR 1 | Reduced package fee |
| Monthly fee for senior customers (65 years of age or older) | EUR 1.37 | EUR 1 | Reduced package fee |
| Monthly fee for young customers (up to 21 years old) | EUR 1.37 | EUR 1 | Reduced package fee |
| Euro payments in internet/ mobile bank (5) | 10 payments | 15 payments for free | Increased number of free payments |
| Cash withdrawal at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania without charge: -Debit card |
Up to EUR 750 per calendar month | Up to EUR 800 per calendar month | Increased cash withdrawal limit |
(1) It can be opened for EU residents only if the consumer does not have an account covering payment services and payment transactions constituting the basic payment account service in an institution operating in the Republic of Lithuania. 50% discount on the fee for banking package with basic payment account offered to deprived persons who receive social benefits.
(5) Euro Payments within bank, to Lithuania and to other Single Euro Payments Area member states, including payments for services, shopping at e‑stores and payment of all‑type e‑invoices.
(5) Euro Payments within bank, to Lithuania and to other Single Euro Payments Area member states, including payments for services, shopping at e‑stores and payment of all‑type e‑invoices.
Changes in Price from February 1, 2025
Banking Packages
Standard banking packages
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Luminor Black package Not included Visa Debit |
Free | EUR 1.20 | Package structure changed. Visa Debit card will no longer be included in Luminor Black package. If you have Luminor Black package with Visa Debit card, additional card fee of EUR 1,20 will apply for Visa Debit card.* You can close your Visa Debit by 1 February 2025. |
* Fee will apply for card holders aged 18 and over.
Payment Cards
Payments and Cash
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Luminor Black Conversion fee for paying in different currency than Euro (4) |
3% | 2.45% | Reduced fee |
(4) When paying by card (including cash withdrawals from ATMs) in a currency other than euros, the transaction amount is converted into euros from the transaction currency according to the VISA currency conversion rate. The VISA conversion rate consists of the European Central Bank exchange rate and the VISA currency conversion fee. A Luminor currency exchange fee is added to the VISA currency conversion rate.
Exchange rate fee added by „Luminor“ and „VISA“ can be calculated here.
The billing amount in euros shown on the account statement is with currency conversion fees already included. If customer pays with a card in other European Economic Area currency than euros, Luminor will send customer an SMS message indicating the total currency conversion fee applied by Luminor and VISA, which is added to the transaction amount converted at the European Central Bank exchange rate.
Exchange rate fee added by „Luminor“ and „VISA“ can be calculated here.
The billing amount in euros shown on the account statement is with currency conversion fees already included. If customer pays with a card in other European Economic Area currency than euros, Luminor will send customer an SMS message indicating the total currency conversion fee applied by Luminor and VISA, which is added to the transaction amount converted at the European Central Bank exchange rate.
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Visa Debit Cash withdrawal - Luminor ATMs in Baltics and Medus ATMs in Lithuania (5) |
Free up to EUR 750 per calendar month, 0.5% of the sum exceeding EUR 750 (min. 0.40) | Free up to EUR 800 per calendar month, 0.5% of the sum exceeding EUR 800 (min. EUR 0.40) | Increased cash withdrawal limit |
(5) The calculation is made on the basis of confirmed transactions within a month.
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Visa Debit Cash withdrawal - Conversion fee for paying in different currency than Euro (4) |
2.45% | 2.65% | Increased fee |
(4) When paying by card (including cash withdrawals from ATMs) in a currency other than euros, the transaction amount is converted into euros from the transaction currency according to the VISA currency conversion rate. The VISA conversion rate consists of the European Central Bank exchange rate and the VISA currency conversion fee. A Luminor currency exchange fee is added to the VISA currency conversion rate.
Exchange rate fee added by „Luminor“ and „VISA“ can be calculated here.
The billing amount in euros shown on the account statement is with currency conversion fees already included. If customer pays with a card in other European Economic Area currency than euros, Luminor will send customer an SMS message indicating the total currency conversion fee applied by Luminor and VISA, which is added to the transaction amount converted at the European Central Bank exchange rate.
Exchange rate fee added by „Luminor“ and „VISA“ can be calculated here.
The billing amount in euros shown on the account statement is with currency conversion fees already included. If customer pays with a card in other European Economic Area currency than euros, Luminor will send customer an SMS message indicating the total currency conversion fee applied by Luminor and VISA, which is added to the transaction amount converted at the European Central Bank exchange rate.
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Luminor Black Cash deposit - Perlas POS terminals (6) |
EUR 0.30 | 0.2% of the sum, min. EUR 0.30 | Changed fee |
(6) In PERLAS terminals based on the list provided here the service is provided by UAB "Perlas Finance".
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Visa Debit Cash deposit - Perlas POS terminals (6) |
EUR 0.30 | 0.2% of the sum, min. EUR 0.30 | Changed fee |
(6) In PERLAS terminals based on the list provided here the service is provided by UAB "Perlas Finance".
Loans and Leasing
Loans
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Consumer Loan, Car Loan Change of loan monthly payment date or loan repayment account |
- | EUR 20 | Fee for changing loan repayment account introduced |
| Housing loan, Idea loan (Loan with collateral) Agreement amendment fee (3) (3) If the early repayment of the loan takes place at the same time as the reduction of the repayment term, as a result of which the monthly payment is not increased, no commission fee shall be applied. |
Free | EUR 200 | Exception removed from footnote (3) and footnote deleted from price list. Agreement amendment fee will also apply in cases that were specified in footnote (3). |
Digital Channels
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Code calculator Digipass 270 issuance or replacement | EUR 18 | EUR 21 | Increased fee |
(1) A code calculator can be unlocked three times. If the calculator is blocked for the fourth time, it can no longer be unlocked. To use the calculator again, you will need to purchase a new one for the price shown in the price list.
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Code calculator Digipass 750 VC issuance or replacement for customers with visual impairment (1) (2) (3) | - | Free | New service |
(1) A code calculator can be unlocked three times. If the calculator is blocked for the fourth time, it can no longer be unlocked. To use the calculator again, you will need to purchase a new one for the price shown in the price list.
(2) Limited quantity available, therefore standart code calculator (Digipass 270) could be issued in case of replacement.
(3) Issued at Customer Service Centers.
(2) Limited quantity available, therefore standart code calculator (Digipass 270) could be issued in case of replacement.
(3) Issued at Customer Service Centers.
Investments
Financial Instrument account
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Securities trading Debt securities trading commissions: Purchase/sale of bonds in the secondary market |
Up to 2% of the price, min. EUR 50 | 0.50% of the trade value, min. EUR 50 | Fee name amended and fee changed |
| Securities trading Debt securities trading commissions: Subscription to debt securities during initial offering |
- | 0.50% of the trade value, min. EUR 20 | New fee |
| Other securities related services Participation in the meeting of share/debt securities holders (1) (1) Does not include the representation of a client. |
As individually agreed | EUR 100 | Fee name amended and fee changed |
| Other securities related services Processing of financial instruments related voluntary corporate events. |
EUR 20 + external costs | EUR 35 | Fee name amended and fee changed |
Discretionary portfolio management
| Product or service | Current price | Price from 1 February 2025 | What is changing |
|---|---|---|---|
| Management fee | As agreed with the client (plus Value Added Tax (VAT)) | Up to 1.2% (plus Value Added Tax (VAT)) | Fee changed |
Changes in wording from February 1, 2025
Payment Cards
Debit and credit cards issuing and delivery
| Current wording | Wording from 1 February 2025 |
|---|---|
| Visa Debit Free Monthly fee for additional card (children starting from age 7) |
Visa Debit Free Monthly fee for additional card linked to a parent as a customer (children starting from age 6) |
| All cards EUR 30 Replacing the card -Additional fee for express issuing (4) (4) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering. |
All cards EUR 30 Replacing the card -Additional fee for express issuing and/or courier delivery (4) (4) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering. |
| Luminor Visa Infinite (5) Card fees to be transferred to „No longer issued cards” section (5) New Luminor Visa Infinite credit cards are not issued from 02.05.2024. |
Card fees to be transferred to „No longer issued cards” section |
Banking Packages
Standard banking packages
| Current wording | Wording from 1 February 2025 |
|---|---|
| Euro payments in internet/mobile bank (5) Unlimited Luminor Debit Unlimited Luminor Black (5) Euro Payments within bank, to Lithuania and to other Single Euro Payments Area member states, including payments for services, shopping at e-stores and payment of all-type e-invoices. |
Euro payments in internet/ mobile bank (5) Free Luminor Debit Free Luminor Black (5) Euro Payments within bank, to Lithuania and to other Single Euro Payments Area member states, including payments for services, shopping at e-stores and payment of all-type e-invoices. |
Investments
Financial Instrument account
| Current wording | Wording from 1 February 2025 |
|---|---|
| Securities Transfers Delivery-versus-payment transfer |
Securities Transfers Against payment transfers (DVP/RVP) |
| Securities Transfers Free-of-payment transfer (outgoing): (1) (1) Including a transfer of securities from the financial instruments account of one client to the financial instruments account of another client within bank executed as a result of donation, inheretance, purchase and sale, exchange of securities, etc. Fee charged per ISIN. |
Securities Transfers Free-of-payment transfer (outgoing): (1) (1) Including a transfer of securities from the financial instruments account of one client to the financial instruments account of another client within bank executed as a result of donation, inheritance, purchase and sale, exchange of securities, etc. In case of inheritance the fee is paid by the recipient. Fee charged per ISIN. |
| Financial instrument account quarterly maintenance fee (1) 0.04% of the value of securities (min. EUR 1.50) Global securities (Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Euroclear (fixed income), Finland, France, Germany, Greece, Ireland, Italy, Japan, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Switzerland, UK, USA) (1) Custody fee is calculated and debited in 15 business days after the quarter end. Custody fee is calculated as a percentage of the nominal value for debt securities and derivatives, as a percentage of the market value for equities and ETFs, as a percentage of the net asset value for other investment funds. More information on calculation of the custody fee for transferable securities is available here. |
Financial instrument account quarterly maintenance fee (1) 0.04% of the value of securities (min. EUR 1.50) Global securities (Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Netherlands, Norway, Spain, Sweden, UK, USA) (1) Custody fee is calculated and debited in 15 business days after the quarter end. Custody fee is calculated as a percentage of the nominal value for debt securities and derivatives, as a percentage of the market value for equities and ETFs, as a percentage of the net asset value for other investment funds. More information on calculation of the custody fee for transferable securities is available here. |
| Other securities related services As individually agreed Other services related to corporate actions |
Other securities related services As individually agreed Other services related to the securities (2) (2) Power of attorney, certificate, certificate for blocking of financial instruments according to the customer request, others. |
Fees removed from the price list from February 1, 2025
Investments
Financial Instrument account
| Securities Trading Debt securities trading commissions: 0.2% from Sale price Selling of index linked bonds in secondary market (2) (2) Sell order may be subject to the third-party commissions, which will be included in the price of securities. |
| Financial instrument account quarterly maintenance fee Free Index linked bonds |