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Don't miss out on special offers

Referral program
Get rewarded with EUR 50

 

Invite your friend to Luminor and get rewarded with EUR 50 for the new customer you refer. Offer valid only for existing Luminor customers until 2024‑08‑31.

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The Game
"Win with a Luminor Black Card!"

 

Spend at least EUR 30 with Luminor Black, register the receipt, and participate in the game from 2024-06-01 to 2024-08-31. Prize fund: 10 winners will win EUR 1,000 (3 months in a row), grand prize – EUR 10,000 for one lucky winner.

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Housing loan
Variable annual interest rate from 1.49 %* + 3‑, 6‑ or 12‑month Euribor

 

Get an attractive interest rate and EUR 0 agreement fee for your first home loan with us. The offer is valid until 2024‑07‑31 (see representative (1) example below). Additionally, we will apply special conditions for a consumer loan for home renovation.

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Housing loan
Offer for the purchase of A+ and A++ energy efficiency housing

 

0.99%* + 3, 6 or 12 months EURIBOR variable annual interest rate for the first year of the loan (see representative example (2) below). The offer is valid for loan application submitted until 01 08 2024.

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Luminor Black
Just EUR 3.50 per month

 

Unlimited euro transfers and cash withdrawals up to 1,600 EUR/month (1), including purchase and travel insurance (2) – all this and more for just 3.50 EUR/month (3).

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Luminor Investor
Invest wisely

 

Get free expert consultation on how to start investing in Luminor Investor platform. EUR 0 trading fee for 3 BlackRock (4) ETF portfolios until 2024‑07‑31, plus a chance to double your investments up to EUR 900.

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Car leasing
50% discount on the agreement fee

 

Take advantage of a special offer - now the leasing agreement fee is only half the price (see representative example below (3)! The offer is valid for new private customers who join Luminor between 3 June 2024 and 30 August 2024. The offer is available for the first 6 months after becoming a customer.

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Home Insurance
For your safe home

 

Feel at ease with home insurance: 24/7 free emergency assistance, full reinstatement value insurance, home contents insurance, and coverage outside the home.

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*Final offer is customer-based and may depend on agreed special conditions or energy efficiency class of the asset.
 
Representative example (1). If the loan amount is EUR 110,000, the variable annual interest rate is 5.57 %, a one-off agreement fee is EUR 0, the contract 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 679, the total amount paid by the borrower – EUR 203,561.04 and annual percentage rate of charge (APR) – 5.73 %.
 
Representative example (2). If the loan amount is EUR 110,000, the variable annual interest rate is 5.57 %, a one-off agreement fee is EUR 550, the contract 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 679, the total amount paid by the borrower – EUR 204,111.04 and annual percentage rate of charge (APR) – 5.79 %.
 
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.
 
Representative example (3). Assuming that the price of a car selected is EUR 20,000, the financial lease period is 5 years (60 months), and the down payment is EUR 3,000, i.e., 15 %, so the total amount of credit would be EUR 17,000. The administration fee for preparation of the agreement is EUR 100* and the variable leasing interest rate is 2.39 % + 3 month Euribor (value on calculation day 3.79 %), the total payment amount paid would be EUR 19,904.80, the annual rate of the total consumer credit price – 6.62 %, and the monthly payment – EUR 330.08. 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).
*50% discount applied to the fee for agreement preparation (standard fee according to the pricelist – 1% of the purchase cost, min. 200 EUR). Leasing service is provided by Luminor Lizingas UAB.

Join Luminor remotely
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Online with photo self-service

24/7 – processed within 1 business day
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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!

- 30 partners offering more than 36 discounts.
- 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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Everything went smoothly, questions were answered quickly. I have already recommended it to a friend because the benefits are good.

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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.
(3) Luminor Black package EUR 3.50 per month until 2024‑12‑31, if the Luminor Black package is activated within the period from 2023‑09‑01 to 2024‑08‑31 for the first time, after 2024‑12‑31 the fee according to the price list. Offer valid till 2024‑08‑31 or until revoked.
(4) ETF portfolios are managed by BlackRock Asset Management Ireland Limited, reg. No. 227552.
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.