Check out Luminor Bank Terms & Conditions of Service.

 Luminor General Business Terms, effective until 2020 08 31
 Luminor General Business Terms, effective from 2020​ 09 01
Payment Service Rules, effective until 2020 08 31
Payment Service Rules, effective from 2020​ 09 01
 Your rights when making payments in Europe
To international cardholders on Dynamic Currency Conversion (DCC) using Luminor ATMs

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

Fee Information Document and Glossary of Terms
Bank Guarantees

In Lithuanian:

​ Rules for Providing Bank Guarantees, effective from 2019 01 02
​ Application to Set a Limit
​ Application for a Guarantee 
​ Application to Change the Conditions of a 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.

Casco Insurance

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

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 you travelled abroad before the recommendation was issued by the Lithuanian Ministry of Foreign Affairs not to travel to a foreign country because of the virus and you become infected with COVID-19 - your medical expenses will be covered. If you need any further inpatient treatment in your homeland, medical repatriation will be reimbursed as well (transportation from a foreign country to the homeland).
VALID: If you have travel tickets but you do not travel because of catching infection with COVID-19 in Lithuania – travel cancellation expenses will be covered. Applicable to the holders of LUMINOR GOLD, LUMINOR PLATINUM, LUMINOR BUSINESS or LUMINOR INFINITE credit card.
VALID: If you become infected with COVID-19 during the journey or you suddenly fall ill and want to cancel the journey, in case of cancellation, the insurance will cover your factual ticket expenses and expenses for other services included into the Travel package, paid but not used, or additional expenses of ticket change or purchase of new tickets. Applicable to the holders of LUMINOR GOLD, LUMINOR PLATINUM, LUMINOR BUSINESS or LUMINOR INFINITE credit card.
INVALID: If you undergo preventive (absence of complaints, symptoms) testing or are quarantined because of COVID-19 virus, for example, in a foreign country before your flight or in a hotel.
INVALID: If you have travel tickets but do not travel because of the quarantine in the country and cancelled flights because of quarantine or because of a recommendation of the World Health Organisation or the Ministry of Foreign Affairs not to travel to a certain country because of the virus – it is not an insured event and travel cancellation expenses are not covered.
INVALID: If prohibition/quarantine to leave the country is imposed in a foreign country and your flight is cancelled, i.e. flights are not operated because of quarantine, expenses of new tickets acquisition, accommodation, food and other expenses incurred abroad are not covered.
INVALID: If you are denied access to a plane or any other Public transport in a foreign country because of the quarantine – new tickets, accommodation and food expenses are not covered.

Travel insurance terms and conditions, effective from 2019 08 01:
Luminor Black, VISA Gold and Mastercard Gold
VISA Classic and Mastercard Credit/PINS
Mastercard Platinum
VISA Business and Mastercard Business
VISA Infinite

Internet bank

Information is being updated.

Letter of Credit

In Lithuanian
 Letter of Credit Purchasing Rules effective from 2019 01 02
 Cover Letter of Documents effective from 2019 01 02

Luminor E-Commerce Gateway

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

Payment Cards
Personal Accident Insurance

In Lithuanian:
 Insurance product information document
 The special conditions for the personal accident insurance of account holders, valid from 2020 01 01
 Insurance rules, valid from 2019 06 16, on Lietuvos Draudimas website
Insurance broker information

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 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

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

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 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

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