Check out Luminor Bank Terms & Conditions of Service.

 Luminor General Business Terms
Payment Service Rules, valid till 2021 09 30
Payment Service Rules, valid from 2021 10 01
 Your rights when making payments in Europe
To international cardholders on Dynamic Currency Conversion (DCC) using Luminor ATMs
Correspondent Banks

IMPORTANT:

COVID-19. Quarantine. When travel insurance with LUMINOR credit card is/isn’t valid?

Bank Guarantees

​ Rules on Issuance of Guarantees
​ Application to Set a Limit
​ Application to Issue a Guarantee 
​ Application to Amend the Guarantee

Bank accepts the following file formats of digitally signed documents: pdf, ADOC

Documents submitted to the Bank may be signed with a qualified electronic signature that is compliant with the requirements of Regulation (EU) No 910/2014 of the European Parliament and of the Council of 23 July 2014 on electronic identification and trust services for electronic transactions in the internal market and repealing Directive 1999/93/EC. The Bank at its choice may refuse to accept the qualified electronic signatures offered by certain qualified trust service providers and for the validation of a qualified electronic signature to choose a qualified trust service provider acceptable to the Bank.
The Bank signs and verifies electronic documents on the Dokobit platform provided by UAB Dokobit, company code 301549834.

Consumer Loan

​ Rules on Consumer Loan Granting, effective from 2019 02 01, in Lithuanian

Credit cards travel insurance

IMPORTANT: COVID‑19. Quarantine.

When travel insurance with LUMINOR credit card is/isn’t valid?

VALID: If the Insured is diagnosed with COVID‑19 (a disease caused by the coronavirus SARS‑CoV‑2) during the first 14 days of travel. The costs reimbused by the insurer are for the expenses, related to of providing Emergency Medical Treatment in a Foreign Country, Medical Transport and Rescue Expenses, Repatriation Expenses in the Event of Illness/ Death. Provided that the entry restrictions established in the respective country and published on the website of the Ministry of Foreign Affairs of the Republic of Lithuania have been complied with;
VALID:The Insured or family members and relatives of the who are also insured under the same insurance contract, as well as the sole companion on the trip, is refused return to the home country by the relevant state authorities due to COVID‑19 symptoms, the Insurer pays the expenses abroad (with a total insurance limit of up to 100 EUR per day) until the Insured is allowed to return to the Home Country, as well as a ticket to the Home Country in economy class.
VALID: If trip is inside the European Union: if on the start date of the trip on the website of the European Center for Disease Prevention and Control the European country where Client is traveling to, is marked as green or yellow in the combined 14‑day indicator.
VALID: If trip is outside the Europen Union: the incidence rate of Covid‑19 infection in that country at the date of commencement of the trip is 100 and more per 100,000 inhabitants.
VALID: If you have travel tickets but do not leave because you are infected with the coronavirus in Lithuania – the cancellation costs will be reimbursed. Valid for LUMINOR GOLD, LUMINOR BLACK, LUMINOR BUSINESS or LUMINOR INFINITE credit cards.
INVALID: If you are being tested or quarantined for coronavirus prophylactically (without complaints, symptoms), for example, abroad before a flight or at a hotel.
INVALID: If you are diagnosed with COVID‑19 disease on 15th& or later travel days.
INVALID: If in the country in which you are travelling the incidence of COVID‑19 infection is higher than 100 (for non‑EU countries), for EU countries – if on the start date of the trip on the website of the European Center for Disease Prevention and Control the country is marked as red, dark red or gray in the combined 14-day indicator.
INVALID: If you have travel tickets but do not travel due to quarantine and flights cancelled in the country or due to a recommendation by the World Health Organization or the Ministry of Foreign Affairs not to travel to a particular country due to a virus, this is not an insured event and travel cancellation costs will not be reimbursed.

MORE INFORMATION – IN TERMS AND CONDITIONS BELOW.

Travel insurance terms and conditions, valid from 2021 10 01:
Luminor Black, VISA Gold
VISA Classic
VISA Business
VISA Infinite

Memos, in Lithuanian, valid& from 2021 10 01
 Luminor Black, VISA Gold
 Visa Classic
 VISA Business
 VISA Infinite

If you have an insurable accident abroad, please immediately inform our Travel assistance partner UAB OPS LT by phone +370 5 203 0055 or luminor@ops24.eu (in case of medical expenses coverage). Otherwise, right upon return to your permanent place of residence contact Compensa Vienna Insurance Group by phone 19111 or +370 5 249 1911 (calls from abroad), fill notification form at compensa.lt/atsitikus-ivykiui.

The submitted complaints are considered in accordance with the regulations of the ADB „Compensa Vienna Insurance Group" Lithuania (in Lithuanian).

Internet bank

Information is being updated.

Letter of Credit
Luminor E-Commerce Gateway

 E-Commerce Gateway Service Terms, effective from 2020 04 14

Payment Cards

In Lithuanian:
Credit limit – VISA
 
Rules on Credit Limit Granting in the Luminor Black Payment Card Account to Private Individuals, effective from 2021 05 05
​ Rules on Credit Limit Granting in the Payment Card Account to Private Individuals, effective from 2020 01 13
​ Rules on Credit Limit Granting in the Payment Card Account to Private Individuals (B), effective from 2020 06 27 applies to credit limits transferred from a Mastercard credit card to VISA

​ Home technical services rules and price list (as of 2021 09 01 Technical home and roadside assistance service is no longer provided)

Casco Insurance

​ Casco Insurance Rules, effective from 2016 01 04, in Lithuanian
​ Casco Insurance Memo, effective from 2016 01 04, in Lithuanian

Loan Payment Insurance

 Loan Payment Insurance product information document effective till 10 May, 2021, in Lithuanian
 Loan Payment Insurance product information document effective from 11 May, 2021, in Lithuanian
 Loan Payment Insurance Terms and Conditions No. 068L effective till 10 May, 2021
 Loan Payment Insurance Terms and Conditions No. 068L effective from 11 May, 2021

Archive

Luminor archive

​ Bylaws of Luminor Bank AB, effective from 2017 10 01 to 2017 11 08, in Lithuanian

Payment Service Rules
Effective from 2020 04 09 to 2020 08 31
Effective from 2020 02 10 to 2020 04 08
Effective from 2019 07 02 to 2020 02 09
Effective from 2018 11 06 to 2019 07 01
 Effective from 2018 08 01 to 2018 11 05

General Business Terms
 Effective from 2019 01 02 until 2020 08 31

Banking packages
​ 
Luminor terms and conditions of business packages for corporate customers, effective from 2018 02 01 to 2018 07 31

Luminor Group Privacy Policy
​ Effective from 2018 05 25 to 2019 01 01

Consumer loan
​ Rules on Consumer Loan Granting, effective from 2019 02 01 to 2019 01 31, in Lithuanian

Credit cards travel insurance

Effective till the 2021 09 30:

 Luminor Black, VISA Gold
 VISA Classic
 VISA Business
 VISA Infinite

Effective till the 2020 11 30. Claims about the occurrence of the insured event till the 2020 11 30 in the foreign country could be submitted to ERGO till the 2020 12 31:

Luminor Black, VISA Gold and Mastercard Gold
VISA Classic and Mastercard Credit/PINS
Mastercard Platinum
VISA Business and Mastercard Business
VISA Infinite

Travel insurance terms and conditions, which came into force for Visa cards from 2018 10 01 and for Mastercard cards from 2019 01 01 and were effective until 2019 07 31
VISA Classic and Mastercard Credit/PINS
VISA Gold and Mastercard Gold
Mastercard Platinum
VISA Business and Mastercard Business

Luminor E-Commerce Gateway ​
 
E-Commerce Gateway Service Terms, effective from 2020 01 15 to 2020 04 13

Luminor | DNB archive

Bylaws of AB DNB bankas
​ 
Bylaws of AB DNB bankas

General Rules on the Provision of Services
 Effective from 2018 05 25 to 2019 01 01
 Effective from 2017 10 01 to 2017 05 24 
​ Effective from 2016 01 04 to 2017 09 30
​ Effective from 2014 07 21 to 2016 03 01
​ Effective from 2013 08 26 to 2014 07 20 
​ Effective from 2012 06 18 to 2013 08 25
​ Effective from 2006 05 12 to 2012 06 17, in Lithuanian

Payment Service Rules
​ 
Effective from 2017 10 01 to 2018 07 31
​ Effective from 2017 03 01 to 2017 09 30
​ Effective from 2017 02 01 to 2017 02 28, in Lithuanian
​ Effective from 2016 11 01 to 2017 01 31, in Lithuanian
​ Effective from 2016 04 01 to 2016 10 31 
​ Effective from 2016 02 29 to 2016 03 31in Lithuanian
​ Effective from 2016 01 01 to 2016 02 28
​ Effective from 2013 08 26 to 2015 12 31
​ Effective from 2012 06 18 to 2013 08 25
​ Effective from 2010 03 08 to 2012 06 17, in Lithuanian

Credit Card Travel Insurance Rules
​ 
Effective from 2017 10 01 to 2018 09 30
​ Effective from 2017 07 01 to 2017 09 30 
​ Effective from 2017 02 01 to 2017 06 30, in Lithuanian
​ Effective from 2016 07 01 to 2017 01 31, in Lithuanian
​ Effective from 2015 05 01 until 2016 06 30, in Lithuanian

Rules on Credit Limit Granting in the Payment Card Account to Private Individuals, in Lithuanian
Effective from 2018 09 03 to 2020 01 12
​ Effective from 2017 09 25 to 2018 09 02
​ Effective from 2016 11 01 to 2017 09 24
​ Effective from 2016 03 01 to 2016 10 31
​ Effective from 2016 02 01 to 2016 02 29

Casco Insurance Rules, in Lithuanian
​ Effective from 2015 12 01 to 2016 01 04
​ Effective until 2015 12 01

Trade Finance, in Lithuanian
​ Rules for Providing Bank Guarantees, effective from 2016 06 15
​ Letter of Credit Purchasing Rules, effective from 2016 01 04 to 2017 02 28
​ Letter of Credit Purchasing Rules, effective from 2017 03 01 to 2017 09 30

ERGO Skėtis Terms and Conditions, in Lithuanian
​ Loan Insurance “ERGO Skėtis” Terms and Conditions, effective until 2017 06 30
From 2017 02 06 the Mortgage Borrower Unit-linked Life Insurance was discontinued.
The endowment insurance “Make Your Child’s Dream Come True” was discontinued from 2017 02 06
​ Endowment Insurance “Make Your Child’s Dream Come True” Rules 

Payment Card Accident Insurance (in Lithuanian, discontinued from 2017 04 26)
​ Card Holder Accident Insurance Terms and Conditions
​ Mandatory information that must be provided by the insurance intermediary to customers

Personal insurance
 The special conditions for the personal insurance of account holders, valid until 2019 12 31
 The special conditions for the personal insurance of account holders, valid until 2019 01 01
 Insurance rules valid until 2018 06 15 on Lietuvos Draudimas website, in Lithuanian

Rules for Servicing of Payment Cards
​ Rules for Servicing of Payment Cards valid until 2018 11 04, in Lithuanian

SMS Service
​ 
SMS service agreement, in Lithuanian

Luminor | Nordea archive

General Rules on the Provision of Services
Effective from 2018 08 01 to 2019 01 01
​ Effective from 2018 05 25 to 2018 07 31​
​ Effective from 2017 10 01 to 2018 05 24
​ Effective from 2016 11 01
​ Effective from 2016 07 01
​ Effective from 2015 12 01
​ Effective from 2015 01 01
​ Effective from 2014 04 01
​ Effective from 2013 10 07
​ Effective from 2012 06 25

Banking packages
​ 
Luminor | Nordea conditions of banking packages for private customers, effective from 2018 02 01 to 2018 07 31

Credit Card Travel Insurance Rules
​ 
Nordea Mastercard Credit Travel Insurance Terms and Conditions, effective to 2018 12 31
​ Nordea Mastercard Credit Travel Insurance Terms and Conditions, effective to 2018 11 30
​ Nordea Credit Travel Insurance Terms and Conditions, effective to 2018 03 31
​ Nordea Mastercard Gold Travel Insurance Terms and Conditions, effective to 2018 12 31
​ Nordea Mastercard Gold Travel Insurance Terms and Conditions, effective to 2018 11 30
​ Nordea Gold Travel Insurance Terms and Conditions, effective to 2018 03 31
​ Nordea PINS Mastercard Travel Insurance Terms and Conditions, effective to 2018 12 31
​ Nordea PINS Mastercard Travel Insurance Terms and Conditions, effective to 2018 11 30
​ Nordea PINS Mastercard Travel Insurance Terms and Conditions, effective to 2018 03 31
​ Nordea Platinum Travel Insurance Terms and Conditions, effective to 2018 12 31
​ Nordea Platinum Travel Insurance Terms and Conditions, effective to 2018 11 30
​ Nordea Platinum Travel Insurance Terms and Conditions, effective to 2018 03 31
​ Nordea Mastercard Business Travel Insurance Terms and Conditions, effective to 2018 12 31
​ Nordea Mastercard Business Travel Insurance Terms and Conditions, effective to 2018 11 30
​ Nordea Mastercard Business Travel Insurance Terms and Conditions, effective to 2018 03 31
​ Nordea Travel Insurance Claim Form, effective to 2018 03 31

Nordea Cards Issuance and Usage Terms and Conditions
​ Description of the terms on Mastercard cards issuance and usage for private persons, effective to 2018 07 31
​ Description of the terms on Mastercard Platinum cards issuance and usage, effective to 2018 07 31
​ Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2018 07 31
​ Description of the terms on Mastercard cards issuance and usage for private persons, effective to 2016 05 09
​ Description of the terms on Mastercard Platinum cards issuance and usage, effective to 2016 05 09
​ Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2016 03 31
​ Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2014 12 06
 Rules on Credit Limit Granting in the Mastercard payment card Account to Private Individuals, effective from 2018 08 01
 Rules on Credit Limit Granting in the Mastercard payment card Account to Legal Entities, effective from 2018 08 01

Home Insurance Rules, in Lithuanian
​ Luminor | Nordea home insurance rules - insurer "IF", effective until 2017 09 30
​ Luminor | Nordea home insurance rules - insurer "IF", effective until 2014 10 01

Purchase Insurance
​ Nordea Mastercard Purhcase Protection Insurance Terms and Conditions, effective to 2018 03 31
​ Notification of Insurance Loss Associated with Mastercard Card Purchase, effective to 2018 03 31

Claims

Claims Luminor Bank AS Lithuanian branch
Procedure to Receive and Examine Complaints/Responses, Luminor Lizingas UAB, in Lithuanian