Join Luminor

Join Luminor

Join Luminor

  • Become a customer remotely if you have a passport or ID card issued in the Republic of Latvia
  • Favourable conditions, opening a current account free of charge
  • Our best experts will be at your disposal – housing or investment advice free of charge
  • Easy and convenient way to make purchases with digital wallet
Explore Luminor Black benefits

  • Cash withdrawal from any ATM in the world and in Latvia within the monthly limit with no commission fee
  • Travel insurance with included Covid-19 risk coverage for both you and your family
  • Available with and without a credit limit and a 45-day interest-free period

Novelty! Loan for improving home energy efficiency and/ or installation of solar panels

To make your home environmentally friendlier, improve its energy efficiency – by wall insulation, window and door replacement, installation of a ventilation system and reconstruction of your heating system. Also investing in solar panels is contribution to a more sustainable future.

  • Loan amount from EUR 4,000 to EUR 20,000.
  • Loan term from 12 up to 84 months.
  • Fixed annual interest rate 5.9 %*.
  • Loan agreement fee: 1 % from loan amount (min EUR 60).
  • Loan can be repaid before maturity without additional commission fees.
  • No down payment required.
  • The following information should be submitted before entering into the loan agreement:
    1) an estimate made by the contractor of the solar panel or energy efficiency improvement works regarding the costs of the project, or a mutually concluded agreement on the work performance;
    2) a statement that the customer or the spouse of the customer owns the real estate (information can be obtained from the Latvian State Portal latvija.lv).

Ownership certification is not required if the solar panels are to be installed outside the building, e.g. in the field (an estimate of the works or an agreement with the contractor is still required).

* Offer is valid from 10.02.2022 to 30.12.2022.

Consumer loan for your needs

  • Consumer loan from € 1 000 to € 15 000 with interest rate starting from 8.5 %
  • Agreement fee 1.5 % from loan amount (min € 60)
  • For repairs, car, land, home purchase or other big purchases
  • Our terms are transparent, with no hidden commission fees
  • Simple and quick process
  • Apply remotely and receive money in your account after the loan approval

Housing loan

  • Financing of up to 95 % of the value of the housing in cooperation with Altum
  • Quick and easy process
  • The support of our housing expert throughout the process of buying real estate
  • Option to repay the loan sooner with no commission fee

Car leasing at a rate of 1.89%

  • For new and used cars
  • Financing from € 8000
  • Rate from 1.89 % for environmentally friendly cars, from 2.19 % for other cars
  • Financial or operational leasing

Becoming a customer is convenient and easy

Apply remotely

Prepare an electronic signature, ID‑card or passport and make sure that your device has a video camera and microphone; We encourage you to use mobile devices as far as possible

Fill out and confirm the application with an electronic signature and wait for the video connection with the consultant

Sign the contract with an electronic signature and receive the card by mail

If you don’t have an e-signature, please contact us by phone +371 67 17 1880 to arrange an appointment in person to sign the agreement

How do I get an electronic signature?

  • Do you have a Basic Smart‑ID account? Watch a video tutorial on how to convert it to a Smart‑ID Qualified Electronic Signature (QES) in the Smart‑ID app within a couple of minutes

What does it take to become a customer remotely?

  • You are 18 years old, you are a Latvian citizen with a passport or ID card issued in the Republic of Latvia
  • Phone or PC with high resolution camera and microphone
  • Fast and stable internet connection
  • Web browsers: Google Chrome, Mozilla Firefox, Apple Safari or Opera
  • Operating system: Windows, macOS or Android

Become a customer remotely

See our other products

Consumer loan for renovation and property acquisition

Learn more

Loan payment insurance

Learn more

3rd pillar pensions

Learn more

Car loan

Learn more

Luminor Investor

Learn more
Housing loan: representative example

Real estate price Loan amount Loan repayment term Down payment Loan agreement fee Annual interest rate* Minimum monthly account maintenance fee Monthly instalment Total repayment amount Mortgage registration in the land register Annual percentage rate (APR)
€ 100 000 € 85 000 25 years € 15 000 € 850  1.9 % € 1.30 € 356 € 108 095 € 99.23 2.02 %

​The result is informative and based on an approximate calculation.
* including the variable part of the rate – 6-month EURIBOR (which is treated as 0% for the purposes of this calculation).
Creditor: Luminor Bank AS Latvian branch. Loan collateral – mortgage on the real estate to be purchased. Bank financing up to 85%. With ALTUM guarantee, financing up to 95%. To get the loan, you need a Luminor current account and Internet bank, real estate valuation report, real estate insurance for the duration of the loan agreement. Additional costs not included in the APR: real estate insurance premium, real estate valuation costs, notary services.

Loan for energy efficiency of housing and solar panels: representative example

Loan amount Loan repayment term Fixed annual interest rate Loan agreement fee Minimum monthly account maintenance fee Total repayment amount Monthly instalment Annual percentage rate (APR)
€ 10 000 60 months 5.9 % € 100 € 1.30 € 11 749.60€  192.86 6.80 %

The result is informative and based on an approximate calculation.

Car leasing: representative example

Annual Percentage Rate* Financial leasing term Down payment Agreement fee Leasing interest rate** Total amount payable*** Monthly instalment
2.9 % 5 years
(60 months)
€1 800
(10 %)
€270 2.19 % €17 388 €285.30
The result is informative and based on an approximate calculation.
* assuming that the consumer buys a car for a purchase price of € 18 000, including 21% VAT
** leasing interest rate consists of 3 months EURIBOR (value on the calculation day: 0%) + 2.19%
*** including VAT 21 %

Consumer loan: representative example

Loan amount Loan repayment term Fixed annual interest rate Loan agreement fee Minimum monthly account maintenance fee Total repayment amount Monthly instalment Annual percentage rate (APR)
€ 5 000 48 months 10 % € 0 € 1.30 € 6 149.28 € 126.81 11.06 %
The result is informative and based on an approximate calculation.