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Luminor Investor

Luminor Investor
platform

Luminor Investor
platform
  • Lower trading fees now and pricing plans that match your trading habits
  • User-friendly platform with wide range of financial instruments available
  • Opportunity to invest in U.S. stock exchanges with a reduced tax rate
  • Easy and fast onboarding process
Start investing
Sign up for Consultation

Investment platform for customers who know what they want. With Luminor Investor you can invest in more than 17 000 instruments including stocks, bonds, exchange-traded funds (ETFs) and mutual funds. Do it anywhere, anytime on any device.

From 01.07.2025. we are lowering trading fees. Check out our Luminor Investor pricing plan offers.

Important! Investment entails risks. Please carefully read information at the bottom of this page and make your investment decision on informed basis.

Why Luminor Investor

  • Lower costs
    Benefit from lower trading fees and choose pricing plan that fits your trading habits.
  • Fast onboarding process
    Sign Luminor Investor agreement in Luminor internet bank.
  • One of the biggest self-service investment offering in Baltics
    17 000 instruments including stocks, bonds, exchange traded funds (ETFs) and mutual funds.
  • Possibility to trade on US exchanges with a reduced tax rate
    Read more here.
  • Adapted to your needs
    Filter by asset class, country, sector, exchange, market capitalization, different company ratios, currencies, maturities, ratings, issuer names and more. Create the watchlist of your favorite financial instruments.

Start investing

We offer two pricing plans – choose the one that best suits your trading profile:

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Base plan
- 0.20 % of the transaction amount, but no less than EUR 3, if traded in European market.
- 0.20 % of the transaction amount, but no less than USD 2, if traded in US market.
- Suitable for smaller transactions, as the minimum charge is lower.
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Elective plan
- 0.08 % of the transaction amount, but no less than EUR 10, if traded in European market.
- 0.08 % of the transaction amount, but no less than USD 10, if traded in US market.
- More cost‑effective for larger transactions, as the percentage fee is lower.

From July 1st, 2025, the pricing of the Base plan shall be applied automatically for all the users of Luminor Investor platform. You can change the pricing plan once in every 4 months.

Change the pricing plan

Fee comparison by trade amount

Trade size range Better plan Why?
Less than EUR 5 000 Base plan Pay less than EUR 10 - lower min fee for small trades
More than EUR 5 000 Elective plan Save with lower percentage fee for larger trades

For smaller transactions, the Base plan is better, while for larger transactions, the Elective plan is more advantageous.

Full fee comparison by trade amount
Transaction amount, EUR/USD Base plan fee Elective plan fee
100 €3 / $2 €10 / $10
500 €3 / $2 €10 / $10
1 000 €3 / $2 €10 / $10
2 000 €4 / $4 €10 / $10
3 000 €6 / $6 €10 / $10
4 000 €8 / $8 €10 / $10
5 000 €10 / $10 €10 / $10
10 000 €20 / $20 €10 / $10
25 000 €50 / $50 €20 / $20
50 000 €100 / $100 €40 / $40
100 000 €200 / $200 €80 / $80

It is easy to start with Luminor Investor

1. Become a Luminor customer
2. Open Luminor Investor account
3. Sign the agreement. Sign digitally in Internet bank
5. Start investing. Transfer money to your Luminor Investor account and start investing!

Apply here

Luminor Investor

Achieve your financial goals

Take your finances to the next level. Learn to plan your budget to cover your needs, build savings for what matters the most, and invest with confidence.

Learn more

Investment ABC

Get to know the instruments you are able to invest with Luminor Investor

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Stocks
Stocks (equity securities) are units of ownership in the companies. If the company that issued the shares (the issuer) earns profit, a portion of the profit may be distributed to the shareholders in the form of dividends. 
Watch video
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Bonds
A bond is a non-equity security, under which the issuer (company, government or other issuing institution) becomes the bond holder’s debtor.
Watch video
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ETFs
Exchange traded funds (ETFs) are collective investment schemes that are listed on stock exchanges. ETFs are managed by professional investment management companies.
Watch video
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Mutual funds
Mutual Funds are collective investment schemes that are made up of a pool of funds collected from investors for the purpose of investing in various financial instruments, like shares, bonds, other mutual funds, derivatives and etc. Mutual funds are operated by fund managers, who invest the fund's capital and attempt to produce capital gains and/or income for the fund's investors.
Watch video

Luminor Investor FAQ

These are the plans that charge a fixed commission fee, regardless of which European or US stock exchanges you are trading on.

Choose the plan that best suits your trading profile: Basic or Elective. Learn more here.

Starting from 1st of July, 2025 will apply the Base plan fees to all customers.

If your average transaction amount is more than 5000 EUR/USD, the Elective plan will be more budget-friendly choice.

You can change the pricing plan every 4 months.

To open a Luminor Luminor Investor investment account, you must first be a Luminor customer and have a bank account with them. For more details on how to open an account, visit our website here.

Agreement can be signed:

  • digitally via Luminor internet bank -  Agreement is available under Deposits and investments / Financial instruments / Open Luminor Investor account
  • digitally using eSignature / Dokobit
  • by visiting Customer service centers of your choice

Price list is available here.

Useful links

 Luminor Investor User Guide
Application for Luminor Investor pricelist plan for private person
Access to US market in Luminor Investor
Investment account
Information for Investors
Terms & Conditions
Money transfers to/from Luminor Investor
Glossary
Investor Protection Scheme

Frequently asked questions

Disclaimer Investing in financial instruments involves significant risk. The value of your investments may fluctuate, and you may lose part or all of your invested amount. Past performance is not a reliable indicator of future results. More information about investor protection, including but not limited to a description of financial instruments and related risks, you may find here.  
Luminor does not provide investment advice in Luminor Investor platform. Any information or communication from us should not be considered as recommendation or personal advice. You are solely responsible for your investment decisions and should seek independent financial advice if needed.  
The information provided herein does not constitute an offer or solicitation to buy, sell, or invest in any specific financial instrument or strategy.