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Don't miss out on special offers

Housing loan
Take an advantage of this limited‑time home loan offer!

 

50% discount on the bank's interest margin for the first year of the agreement and 0 EUR agreement fee. The 3, 6, or 12‑month EURIBOR is added to the bank's margin (a variable annual interest rate applies). Offer is valid for the applications submitted from 2024‑09‑10 until 2024‑11‑05 (see typical example below.

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Luminor Black
Just EUR 5.50 per month

 

Unlimited euro transfers and cash withdrawals up to 1,600 EUR/month (1), including purchase and travel insurance (2).

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Luminor Investor
Invest wisely

 

Get free expert consultation on how to start investing in Luminor Investor platform, plus a chance to double your investments up to EUR 900.

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Exclusive offer for youth
Free Luminor Debit card until age 21

 

Get a free Luminor Debit card until age 21 and use it to receive a special discount on driving courses at the "Rigveda" driving school.

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Car Leasing
Special interest rates for new car leasing 

 

1.45 % per year + 3‑month Euribor for electric cars, 1.89 % per year + 3‑month Euribor for hybrid and low-emission cars and 1.99 %* per year + 3‑month Euribor for other cars. The offer is valid for applications submitted until 2024‑09‑30.

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Typical example of housing loan: If the loan amount is EUR 110.000, the variable annual interest rate is 5,03 %, a one-off agreement fee is EUR 0, the agreement duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 645, the total amount paid by the borrower – EUR 193,504.00 and the annual percentage rate of charge (APR) – 5.17 %.
Pledged collateral must be insured. Notary fees, real estate evaluation, insurance costs and costs related to additional products and services if chosen by you are not known to the bank and therefore are not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.
If a credit agreement is concluded in foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to euro may significantly increase the amount of the credit and monthly payments.
 
Typical example of leasing: Assuming that the price of a car selected is EUR 26,000, the financial lease period is 5 years (60 months), and the down payment is EUR 2,600, i.e., 10 %, so the total amount of credit would be EUR 23,400. The administration fee for preparation of the agreement is EUR 260 and the variable leasing interest rate is 1.45 % + 3‑month Euribor (value on calculation day 3.47 %), the total payment amount paid would be EUR 26,703.80, the annual rate of the total consumer credit price – 5.52 %, and the monthly payment – EUR 440.73. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in the annual rate of the total consumer credit price). Leasing service is provided by Luminor Lizingas UAB.

Join Luminor remotely
Online with photo self-service

Online with photo self-service

24/7 – processed within 1 business day
Video call with a consultant

Video call with a consultant

Business days from 9:00 till 18:00

For persons over the age of 18, you’ll need:
♦ valid passport, ID card of the Republic of Lithuania, or permanent/temporary permission to live in the Republic of Lithuania
♦ Qualified Smart‑ID or Mobile Signature

Apply in person
If you don’t have a passport or ID issued in Lithuania or don’t have an electronic signature, or would prefer to apply in person, please book an appointment or reach out to us by phone +370 5 239 3444.
Foreign citizens have to submit one of the following documents.

Join Luminor Plus club and take advantages of special offers from Luminor partners!

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- Discounts are available to all Luminor card holders.
- Luminor Black card holders get Delfi Plius subscription for free until the end of 2024.

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(1) Free cash out up to EUR 1200 from Luminor, Medus, Bankomatas.lt ATMs and up to EUR 400 from other ATMs worldwide. Certain ATMs abroad may impose an ATM fee, notifying them about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.
(2) Luminor Purchase and Travel insurance services are provided by ADB Compensa Vienna Insurance Group, Ukmergės g. 280, 06115 Vilnius, company code 304080146. For more information on purchase insurance, please refer to the rules. Full terms and conditions for travel insurance can be found here.
Accounts valued up to EUR 100,000 are secured by the Estonian Guarantee Fund company “Tagatisfond” in accordance with the terms and conditions of the Republic of Estonia’s law on deposit insurance and insurance of liabilities to investors. Terms of the insurance. When opening a bank account and where necessary, please complete the private person’s questionnaire and confirm your financial status.