Card issuance / renewal
Fee
Card maintenance feeEUR 2 per month
Cash withdrawal / depositing
Fee
Cash withdrawal at Luminor ATMs in Baltic countries and SEB ATMs in Lithuania0.40% of the amount (min. EUR 0.29)
Cash withdrawal at other banks' ATMs2% 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

*At Perlo paslaugos, UAB Perlo lottery terminals (cash withdrawal and depositing) following the lists of locations of the Bank's partners provided on website: Perlas terminals.

From 01/12/2018, the indicated fees are also applicable to cardholders who work for a company which has concluded an agreement with the Bank on the transfer of salary.

In case a cardholder works for a company which has concluded an agreement with the Bank on the transfer of salary, until 30/11/2018 cash withdrawal is free of charge up to EUR 600.00 per month in Luminor ATMs and 1 operation per month is free of charge in UAB Perlas terminals. This limit applies in case no additional discounts were agreed between a company and the Bank for a higher cash withdrawal limit without charge. Discounts can be changed the same way as the Bank’s Pricelist. From 01/12/2018, standard cash withdrawal conditions and fees are applicable to these cardholders.

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

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 1,681.67 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 2 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.

Other card fees and services
Fee
Credit limit interest18%
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 postEUR 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) ATMEUR 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 designed 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.