Payment order for payments to accounts within Luminor Latvian branch received 

• via Digital channels is executed immediately;
• via Customer Support or at Customer Service Centres before 16:00 on Business Days is executed within 1 hour. Payment order received after 16:00 is executed on the next Business Day.

Instant payments are processed 24/7 throughout the calendar year.
The limit for outgoing instant payment is EUR 15 000.
 If it is not possible to make an instant payment, the transfer will be executed as a regular euro payment (SEPA), if chosen.

Payment orders for euro payments to banks registered in Estonia, other European Union countries, European Economic Area countries (Norway, Iceland, and Liechtenstein), the United Kingdom, Andorra, the Principality of Monaco, San Marino, Switzerland, and the Vatican City State (the full list of countries can be found here), received on a business day:   

• via digital channels before 16:00, or
• via customer support or at customer service centers before 15:00 

are executed on the same business day. 

SEPA payments are sent at least once per hour on banking business days from 8:00 to 16:00.

Urgent Euro payment orders received on a business day via digital channels before 17:00 are executed on the same business day.

Payment orders received after the set cut-off time or outside of business days are executed on the next business day.

In case of Ordinary SHA/OUR payment order received via Digital channels on a Business Day, the payment is transferred to a correspondent bank in 2 Business Days.

In case of Urgent SHA/OUR payment order received via Digital channels on a Business Day, the payment is transferred to a correspondent bank on the next Business Day.

In case of Express SHA/OUR payment order received via Digital channels on a Business Day before 16:00, the payment is transferred to a correspondent bank on the same Business Day.

Cut-off time for accepting a payment order via Customer Support or at Customer Service Centres is 15:00. Payment order received after the set cut-off time or outside of Business Day is executed on the next Business Day after the indicated Execution time.

Payment order for payments to accounts within Luminor Latvian branch received 

• via Digital channels is executed immediately;
• via Customer Support or at Customer Service Centres before 16:00 on Business Days is executed within 1 hour. Payment order received after 16:00 is executed on the next Business Day.

In case of Ordinary SHA/OUR payment order received via Digital channels on a Business Day, the payment is transferred to a correspondent bank in 2 Business Days.

In case of Urgent SHA/OUR payment order received via Digital channels on a Business Day, the payment is transferred to a correspondent bank on the next Business Day.

In case of Express SHA/OUR payment order, the payment is transferred to a correspondent bank on the same Business Day if a payment order is received via Digital channels on a Business Day:

• before 17:00 in Euros (EUR)
• before 16:00 in US Dollars (USD)
• before 15:00 in Great Britain Pounds (GBP)
• before 14:00 in Canadian Dollars (CAD)
• before 13:00 in Danish Krones (DKK), Norwegian Krones (NOK), Romanian Leu (RON), Swedish Kronas (SEK)
• before 11:00 in Polish Zlotys (PLN)

No Express SHA/OUR payment orders are executed in Australian Dollars (AUD), Swiss Francs (CHF), Czech Korunas (CZK), Hungarian Forints (HUF) and Japanese Yens (JPY).

Cut-off time for accepting a payment order via Customer Support or at Customer Service Centres is shorter by 1 hour from the indicated Cut-off time.

Payment order received after the set cut-off time or outside of Business Day is executed on the next Business Day after the indicated Execution time.