Join Luminor

Join Luminor

Join Luminor

  • Become a customer remotely or book an appointment in our branch
  • Wide product coverage tailored for every step of your life
  • Our best experts will be at your disposal – housing or investment advice free of charge

New customer program benefits

More freedom and possibilities with Luminor Black

  • Credit limit with interest free period up to 45 days
  • Travel insurance for you and family, including domestic travels
  • If larger purchases require additional financing, apply for a card with a credit limit*
  • Cash-out from any ATM in the world without commission fee**

* The credit limit spent during each calendar month must be repaid by the 15th date of the following month. In this case, no interest will be charged on the credit limit spent during the previous calendar month. If the used credit is not repaid in the above-mentioned period, an interest will be charged on the outstanding part of the credit limit starting from the 16th date according to the Pricelist
** Cash in or cash out up to 600 euros out from Luminor ATM free. Take up to 400 euros out for free from any other ATM around the world.

Representative example:
Credit limit amount: EUR 1000
Card issuance fee: EUR 0
Payment card administration fee with Luminor Black package: 5.50 EUR/month
Interest: 18 %
Credit limit term: not applicable
Annual interest rate: 26.32 %
Total amount paid by the beneficiary: EUR 1246.41

The annual rate is calculated on the assumption that the person uses the full limit on the very first day of receiving the limit and returns it within 12 months.

Housing loan

Luminor housing loan – for your new apartment or home purchase

  • Housing loan with state subsidy up to 30% from the granted loan amount*
  • We have solution also for those who have existing loan and want to purchase another RE
  • Fast application process
  • Full transparency on loan conditions

* Decision on compliance of a borrower with the criteria for eligibility to state support is adopted by the municipality, in which the borrower declared his/her place of residence. A certificate of the established form issued by the municipality must be submitted to the bank within 15 calendar days from the day of its issue.

Consumer Loan for energy efficiency or solar panels

To make your housing more environmentally friendly, improve its energy efficiency by installing air ventilation systems, heat pumps and solar panels. Investing in these solutions contributes to a more sustainable future.

  • Loan amount from EUR 4,000 to EUR 30,000
  • Loan term from 12 up to 120 months
  • Fixed interest rate: 4.9 % per year*
  • Loan agreement fee: 1 % from loan amount (min EUR 60)
  • Loan can be repaid before maturity without additional fees
  • No down payment required
  • After applying for a consumer loan, a cost estimation of a project or agreement with a vendor completing a home energy efficiency project should be provided. After signing the agreement with the bank, you commit to purchasing of home energy efficiency solution/solar panels. Bank can request to deliver a copy of the agreement on connection to the ESO in case of Solar Panels.
  • Get back a part of your investments with APVA subsidy

Representative example: if loan amount is EUR 10,000, fixed annual interest rate 4.9 %, loan term 60 months, agreement fee EUR 0, monthly account commission fee EUR 1.30, then monthly payment is EUR 188.25, total repayment amount – EUR 11,373.00, annual percentage rate of charge (APR) – 5.31 %.

*Offer is valid for the applications submitted until 2022 12 30

Discover energy efficient housing

Choose the way you would like to do banking

Luminor Black
Recommended!

0 EUR/month
for the first 3 calendar months when you order a Luminor Black for the first time. Later 5.50 EUR/month.
Offer valid till 2022-12-31 or until revoked. The first free calendar month is the month when the package is activated.
Unlimited free euro payments in internet bank (SEPA)
Free cash withdrawal up to 600 EUR/month at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania
Free cash withdrawal up to 400 EUR/month at other ATMs in Baltics and abroad
Travel insurance for the whole family across the world and for domestic travels including COVID-19 coverage
• Interest‑free period for credit limit – up to 45 days
• Free 180‑day purchase insurance that covers repair or reimbursement in accordance with Luminor Purchase insurance rules.
Optionally – Credit limit, Priority Pass, Safety+ service
Learn more Apply
Luminor Debit
2 EUR/month
(with Luminor Debit package)
Unlimited free euro payments in internet bank (SEPA)
Free cash withdrawal up to 600 EUR/month at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania
Optionally – Safety+ service
Learn more Apply
Luminor Infinite
20 EUR/month Private Banking is a solution for people who desire a more personal approach, faster service, more diverse investment solutions and advice from top banking experts Learn more  

Becoming a customer remotely is convenient and easy

First, identify yourself with certified Smart‑ID or mobile signature

Fill in the customer data form and sign it digitally

Lastly, you will meet a representative of our customer service via video call. They will ask you a few simple questions. Prepare your valid passport or ID card

If you don’t have a mobile signature, please contact us by phone +370 5 239 3444 to arrange an appointment in person to sign the agreement

How and for whom:

  • If you a private person over the age of 18 years and you have a valid passport, ID card of the Republic of Lithuania or permanent/temporary permission to live in the Republic of Lithuania
  • Foreign citizens have to submit one of the following documents
  • No need to visit us in a branch, but still we would like you to spend some time for a short video call with us (I-V 8:00-19:30)

You will also need:

  • Certified Smart-ID or Mobile-ID issued in Lithuania
  • Phone or PC with high resolution camera and microphone
  • Fast and stable internet connection
  • Internet browser: Google Chrome, Mozzila Firefox, Safari or Opera
  • Operating system: Windows, macOS, iOS or Android

Luminor Debit is free of charge for kids and customers under 21 years old

  • Free of charge Luminor Debit card and unlimited Euro payments
  • Persons under 18 can open account with their parents

Making banking delightfully easy

Accounts valued up to 100,000 EUR 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.