Card issuance / renewal
Fee
Card maintenance feeEUR 3 per month

Example of the annual rate calculation on the overall credit price (Mastercard consumer credit)

If the Bank issued EUR 1,500 credit in the payment card account for 36 months' period, the overall amount payable by the borrower would make EUR 1,693.67 and the overall annual rate of the credit price would make 24.36%.

The calculations include the interest paid during the credit period (18 % fixed annual interest rate was used for the calculation), payment card administration fee of EUR 3 per month and minimal service fee of EUR 1 per month.

The overall annual rate of the credit price and the overall amount payable by the borrower is calculated assuming that the total Credit Limit is used on the Credit Limit issue day and is fully repaid on the last effective day of the agreement and the interest for using the Credit Limit is paid every month.

Cash withdrawal / depositing
Fee
Cash withdrawal at Luminor ATMs in Baltic countries and SEB ATMs in Lithuania2% of the amount (min. EUR 2)
Cash withdrawal at other banks' ATMs2.50% of the amount (min. EUR 3)
Cash withdrawal within the network of the bank's partners* via POS0.40% of the amount (min. EUR 0.80)
Cash depositing at Luminor ATMs in Lithuania with cash-in functionfree of charge
Cash depositing within the network of the bank's partners* via POSEUR 0.3

*UAB "Perlo paslaugos" POS terminals

Other card fees and services
Fee
Credit limit interest18%
Minimum monthly mandatory payment (% on the utilized credit limit)10%
Unauthorized overdraft fee (annual interest is calculated on the unauthorized overdraft amount)18%
Balance enquiry and mini statement printing at other banks ATMs or UAB „Perlo paslaugos“ terminalsEUR 0.50
Preparation and sending a card statement by mailEUR 1.50
Obtaining a receipt of paymentEUR 15
Obtaining a travel document (car rent, hotel reservation, air ticket booking, etc.) in case of payment abroadEUR 35
Urgent withdrawal of a retained card from the Bank's (ex-Nordea only) ATMsEUR 75
Mastercard Global service (Urgent credit card blocking or replacement in case the credit card is stolen or lost; emergency cash advances)Actual expenses, however, not more than EUR 144.81
Currency exchange fee, when transaction currency is not EUR2.50% of the amount
Personalised design card annual service fee*EUR 3 per month
Personalised design card replacement fee*EUR 6

*From 24 March 2018, new personalised design cards are not available. Personalised design cards issued before 24 March 2018 will be renewed/replaced using the same design.

Limits
Limits
Total amount of cash withdrawal operations and payments for goods (per day)EUR 1500
Number of cash withdrawal operations and payments for goods (per day)unlimited

A cash withdrawal or payment transaction performed is not deducted from the used day limit before 25 hours from execution thereof.