Terms & Conditions | Luminor

Check out Luminor Bank Terms & Conditions of Service.

 General Rules on the Provision of Services (D) effective from 2018 05 25
​ Payment Service Rules (D) effective from 2017 10 01 to 2018 07 31
​ Payment Service Rules effective from 2018 08 01, in Lithuanian

​ General Rules on the Provision of Services (N) effective from 2018 05 25 to 2018 07 31
​ General Rules on the Provision of Services (N) effective from 2018 08 01, in Lithuanian
​ Bylaws of Luminor Bank AB effective from 2017 11 09, in Lithuanian
​ Licence of Luminor Bank AB

Bank Guarantees

​ Rules for Providing Bank Guarantees (effective from 2017 10 01, in Lithuanian,may be used when Application for a Guarantee (D) is submitted)
List of qualified certification service providers and registration agencies (in Lithuanian)
​ Application to Set a Limit

If your bank account number starts with LTXX40100:
​ Application for a Guarantee (D) (in Lithuanian)
​ Application to Change the Conditions of a Guarantee (D) (in Lithuanian)

If your bank account number starts with LTXX21400:
​ Application for a Guarantee (N) (in Lithuanian)
​ Application to Change the Conditions of a Guarantee (N) (in Lithuanian)

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

Casco Insurance

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

Consumer Loan

​ Loan Insurance “ERGO Skėtis” Terms and Conditions (effective from 2017 07 01, in Lithuanian)
​ Rules on Consumer Loan Granting (in Lithuanian)

Home Insurance

​ Luminor | DNB Home Insurance Rules - insurer "Lietuvos draudimas" (effective from 2016 08 15, in Lithuanian)
​ Luminor | Nordea Home Insurance Rules - insurer "IF" (effective from 2017 10 01, in Lithuanian)

Letter of Credit

​ Letter of Credit Purchasing Rules effective from 2017 10 01, in Lithuanian
​ Cover Letter of Documents Luminor|DNB, in Lithuanian, used if your bank account number starts with LTXX40100
​ Cover Letter of Documents Luminor|Nordea, used if your bank account number starts with LTXX21400

Luminor | DNB archive

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

Bylaws of AB DNB bankas

​ Bylaws of AB DNB bankas

General Rules on the Provision of Services

 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 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 31  (in 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 07 01 to 2017 09 30 (in Lithuanian)
​ 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

​ Effective from 2016 11 01 to 2017 09 24 (in Lithuanian)
​ Effective from 2016 03 01 to 2016 10 31 (in Lithuanian)
​ Effective from 2016 02 01 to 2016 02 29 (in Lithuanian)

Casco Insurance Rules

​ Effective from 2015 12 01 to 2016 01 04 (in Lithuanian)
​ Effective until 2015 12 01 (in Lithuanian)

Trade Finance

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

ERGO Skėtis Terms and Conditions

​ Loan Insurance “ERGO Skėtis” Terms and Conditions (effective until 2017 06 30, in Lithuanian)

From 2017 02 06 the Mortgage Borrower Unit-linked Life Insurance was discontinued.

ERGO Life Insurance SE Mortgage Borrower Unit-linked Life Insurance (in Lithuanian)

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 (in Lithuanian)

Payment Card Accident Insurance (discontinued)

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

SMS Service

​ SMS service agreement (in Lithuanian)

Luminor | Nordea archive

General Rules on the Provision of Services
​ 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

Credit Card Travel Insurance Rules

​ Nordea Credit Travel Insurance Terms and Conditions (effective to 2018 03 31) 
​ Nordea Gold Travel Insurance Terms and Conditions (effective to 2018 03 31)
​ Nordea PINS Mastercard Travel Insurance Terms and Conditions (effective to 2018 03 31)
​ Nordea Platinum Travel Insurance Terms and Conditions (effective to 2018 03 31) 
​ 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 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)

Home Insurance Rules

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

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