Become a Customer

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

Consumer loan for your needs

Consumer loan up to €20 000 with interest rate starting from 7.9 %
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

Mortgage 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

Representative examples

Consumer loan

Loan amount	Loan maturity	Annual fixed interest rate	Agreement fee	Minimum monthly bank service fee	Total amount payable	Monthly instalment	Annual Percentage Rate (APR)
€6 000	5 years	8.5 %	€300	€1	€7 746.00	€123.10	11.64%

Car leasing

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

* 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 %

Housing loan

Real estate price	Loan amount	Loan repayment term	Down payment	Agreement fee	Yearly Interest rate*	Minimum monthly bank service fee	Monthly instalment	Total amount payable	Costs of mortgage registration in the land register	Annual Percentage Rate
€100 000	€85 000	30 years	€15 000	€850	1.8 %	€1	€308.03	€111 523.60	€99.23	1.92 %

*incl. variable rate component 0% on 01.01.2021.
Loan securing - 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 account and an Internet bank, evaluation of Real estate, Real estate insurance throughout the life of the credit agreement. Additional costs not included in the APR: Real estate insurance premium, Real estate appraisal costs, notary services, transfer fee for issuing a loan (if payment is made to another bank).

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

f you don’t have an e-signature and have a valid Covid-19 certificate, please contact us by phone +371 67 17 1880 to arrange an appointment in person to sign the agreement

Become a customer remotely

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

Representative examples

Useful links