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Terms & Conditions

General terms and conditions

 Luminor General Business Terms, effective from 01.03.2024
 Rules of Accounts
 Rules of Deposits
 Payment Card Rules
 Payment Rules
 Rules of Regular Payment of Invoices
 Rules of Remote Access Instruments
 Card Acceptance Rules
Special Provisions for Luminor Phone POS Card Acceptance
 Estimated Interchange Fees and Card Organization Fees
 Financial instruments Account Rules, effective from 16.11.2020
 E-Commerce Gateway Service Terms
 Terms and Conditions applicable to Digital Wallet service
 General terms and conditions on foreign exchange transactions
 Consumer Loan Rules, in Latvian

Correspondent banks
Background information on the protection of the state-guaranteed deposits

Terms and conditions which apply to Service agreements, within which an account with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx) in number is opened, managed or serviced, or which specify that primarily an account with such a number is to be used for settlement:

​ Easy login service rules

Terms and conditions which apply to Service agreements within which an account with letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) in number is opened, managed or serviced, or which specify that primarily an account with such a number is to be used for settlement:

General terms of E-identification and E-payment agreement
General Terms on Services Accessible with electronical identification codes

 Factoring application

​ Luminor Link specification for RIKO account holders

All documents in Latvian, except indicated otherwise
Insurance requirements (vehicles and equipment) in English
Complaints and feedback handling

AAS “BTA Baltic Insurance Company”
​ MTPL insurance product information document
​ CASCO insurance product information document
 CASCO insurance product description for Standard and Premium packages (valid from 02.10.2023.)
 CASCO insurance product description for Standard and Premium packages (only for Toyota and Lexus car specialized dealers)
​ CASCO insurance terms and conditions No 4F6 in English
​ Road Assistance insurance terms and conditions No 4F6 (Supplement)
​ Driver and passengers accidents insurance terms and conditions No 8A
​ Driver and passengers accidents insurance product information document
​ Specialised machinery and equipment insurance product information document
 Specialised machinery and equipment insurance product description for Standard and Premium packages (valid from 03.02.2025.)
​ Specialised machinery and equipment insurance terms and conditions No 09.SP1

AAS “BALTA”
​ Insurance mediation​
​ AAS BALTA ground transportation basic risks insurance rules No.2101.303
​ AAS BALTA ground transportation extended risks insurance rules No.2101.403
​ AAS BALTA ground transportation complete risk insurance rules No.2101.503
​ Supplement to AAS BALTA ground transportation insurance rules No. 2101.402 and No. 2101.502 (car replacement)
​ Supplement to AAS BALTA ground transportation insurance rules No. 2101.402 un No. 2101.502 (road assistance)
​ Supplement to AAS BALTA ground transportation insurance rules (road assistance)+
​ AAS BALTA insurance termination terms and conditions No. 2101.00.302
​ Vehicle photography instruction in English
Insurance product information document – motor vehicle insurance basic risks
Insurance product information document – motor vehicle insurance extended risks
Insurance product information document – motor vehicle insurance all risks

 ERGO life insurance general terms and conditions Nr. DVN-01-2022 in Latvian valid from 01.06.2023

 Insurance product information document in Latvian, effective from 10.03.2025
 Insurance Agent Information document in Latvian, effective from 10.03.2025
 General and special insurance terms and conditions, effective from 10.03.2025

Real estate valuators
Movable property valuators in Latvian

 Insurance product information document in Latvian

Effective from 01.01.2024
 Luminor Black
 Luminor Business creditcard
 Broken bone insurance

How to act in case of an insured event

Now every accident inside territory of Ukraine would be treated as not insurable. At present, due to the declared war in Ukraine insurance coverage not valid in Ukraine territory. In all other territories insurance cover is valid under the terms of the insurance contract.

Effective from 16.03.2022
 Safety+ service insurance rules

Previous versions of the rules

 Luminor General Business Terms, effective till 29.02.2024
 Luminor General Business Terms, effective till 31.08.2020
 Luminor General Business Terms, effective till 01.01.2019
​ General Terms and Conditions, effective till 31.10.2018
​ General Terms and Conditions, effective till 25.06.2015
​ General Terms and Conditions, effective till 30.09.2017
 Rules of Accounts, effective until 31.08.2020
Rules of Accounts, effective till 14.08.2019
 Rules of Accounts, effective till 01.01.2019
 Rules of Deposits, effective until 31.08.2020
​ Account Maintenance and Card Usage Rules, effective till 31.10.2018
​ Account Maintenance and Card Usage Rules, effective till 25.06.2015
 Rules of Remote Access Instruments, effective till 01.01.2019
​ Rules on use of remote access instruments, effective till 31.10.2018
​ Rules on use of remote access instruments, effective till 02.12.2015
​ Rules on use of remote access instrument, effective till 01.10.2017
 Financial instruments Account Rules, effective till 16.11.2020
Financial Instrument Account Opening and Maintenance Rules, effective till 01.10.2019
​ Financial Instrument Account Opening and Maintenance Rules, effective till 01.01.2019
​ Financial Instrument Account Opening and Maintenance Rules, effective till 01.10.2017
​ Financial Instrument Account Opening and Maintenance Rules, effective till 01.10.2017
​ Term deposit Account Opening and Maintenance Rules, effective till 14.08.2019
​ Term deposit Account Opening and Maintenance Rules, effective till 01.01.2019
​ Term Deposit Account Opening and Maintenance Rules, effective till 02.05.2017
​ Term Deposit Account Opening and Maintenance Rules, effective as from 01.02.2016
​ Term Deposit Account Opening and Maintenance Rules, effective till 01.10.2017
​ Term Deposit Account Opening and Maintenance Rules, effective till 12.11.2017
 Payment Rules, effective till 12.05.2024
​ Payment Rules, effective till 31.10.2018
​ Payment Rules, effective till 31.12.2014
​ Payment Rules, effective till 25.06.2015
​ Payment Rules, effective till 01.10.2017
​ Regulations for automatic payment of bills, effective till 31.12.2014
​ Virtual Branch Usage Rules, effective till 20.01.2015
​ Account Maintenance and Card Usage Rules, effective till 22.02.2015
​ Account Maintenance and Card Usage Rules, effective till 31.01.2016
​ Account Maintenance and Card Usage Rules , effective 01.10.2017
​ Rules For Regular Invoice Payment, effective till 31.10.2018
​ Rules of Regular Invoice Payment, effective till 25.06.2015
​ Rules For Regular Invoice Payment, effective till 01.10.2017
​ Card Acceptance Rules, effective till 24.05.2018
​ Card Acceptance Rules, effective till 09.06.2016
​ Card Acceptance Rules, effective till 01.10.2017
​ Card Acceptance Rules, effective till 01.10.2017
​ Card Acceptance Rules (Appendix) - The projected volumes of Interchange Fees and fees imposed by Payment Card Organisations, effective 01.10.2017
​ Rules for Issue of Guarantees, effective till 01.10.2017
​ Easy login service rules, effective till 01.10.2017
 General Terms and Conditions for Current Accounts, effective till 30.09.2018
 General Terms and Conditions for Current Accounts, effective till 31.10.2018
 General Terms of E-Identification and E-Payment Agreement, effective till 22.08.2018
 General Terms of E-Identification and E-Payment Agreement, effective till 31.10.2018
 E-Commerce Gateway Service Terms, effective till 13.04.2020

Travel insurance terms and conditions and risk coverage for credit cards
 Luminor Infinite effective from 01.01.2024
 Visa Classic, Visa Classic Revolving effective from 01.10.2021 until 31.12.2023
 Luminor Black, Visa Gold, Visa Gold Revolving effective from 01.10.2021 until 31.12.2023
 VISA Business effective from 01.10.2021 until 31.12.2023
 Luminor Visa Infinite Travel Insurance Terms & Conditions effective from 01.10.2021 until 31.12.2023

 Visa Classic, Visa Classic Revolving, effective until 30.09.2021
 Luminor Black, Visa Gold, Visa Gold Revolving, effective until 30.09.2021
 VISA Platinum, effective until 30.09.2021
 VISA Business, effective until 30.09.2021
 Luminor Visa Infinite Travel Insurance Terms & Conditions, effective until 30.09.2021
 Visa Classic, Visa Classic Revolving and MasterCard Credit / PINS effective until 30.11.2020
 Luminor Black, Visa Gold, Visa Gold Revolving and MasterCard Gold effective until 30.11.2020​
 VISA Platinum and MASTERCARD Platinum effective until 30.11.2020​
 VISA Business and MASTERCARD Business effective until 30.11.2020​
 Luminor Visa Infinite Travel Insurance Terms & Conditions effective until 30.11.2020​
Recommendations “What to do in case of an accident?” effective until 30.11.2020​

Payment Card Rules
 Payment Card Rules, effective till 31.10.2022
 Payment Card Rules, effective till 31.08.2021
 Payment Card Rules, effective till 19.06.2020

for account numbers containing letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx)
​ Terms and Conditions for Card Acquiring, effective till 31.10.2018, in Latvian
​ Account Maintenance and Card Usage Rules
​ Account Maintenance and Card Usage Rules, effective till 31.10.2018

for account numbers containing letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
General Terms and Conditions for Savings Deposit, effective till 14.08.2019
General Terms and Conditions for Term Deposit accounts, effective till 14.08.2019
 General Terms and Conditions for Savings Deposit, effective till 01.01.2019
 General Terms and Conditions for Term Deposit accounts, effective till 01.01.2019
General Terms and Conditions on Opening and Servicing Securities Accounts, effective till 01.10.2019
 General Terms and Conditions on Opening and Servicing Securities Accounts, effective till 01.01.2019
​ Terms for Stockmann Mastercard 
​ General Terms and Conditions for legal entities for International Business Mastercard and International Maestro Cards
​ General Terms and Conditions for International Mastercard and International Maestro Cards
 General Terms and Conditions for International Mastercard and International Maestro Cards, effective till 31.10.2018
​ General Terms and Conditions for international Mastercard Platinum credit card
​ General Terms and Conditions for international Mastercard Platinum credit card, effective till 31.10.2018
​ Terms for Stockmann MasterCard, effective till 31.10.2018

​Loan Payment Insurance

 Gjensidige Insurance product information document in Latvian, effective from 09.05.2023 till 31.01.2025
 Gjensidige Insurance Agent Information document in Latvian, effective from 09.05.2023 till 31.01.2025
 Gjensidige General and special insurance terms and conditions, effective from 12.09.2023 till 31.01.2025
 Gjensidige Insurance product information document in Latvian effective till 08.05.2023
 Gjensidige General and special insurance terms and conditions effective till 08.05.2023
 Gjensidige General and special insurance terms and conditions, effective from 09.05.2023 till 11.09.2023
​ AAS „BALTA” Information on Payment Protection Insurance
​ Insurance intermediation in Latvian
​ AAS „BALTA” Insurance rules for loan instalments and regular payments No. 1501.203 in Latvian
​ Consideration of the customers’ complaints in Latvian

Personal Accident Insurance
 Compensa Insurance product information document valid from 10.05.2024 till 13.05.2025
 Kids' / pupils' / youngsters' personal accident terms and conditions valid till 13.05.2025
 BALTA Personal accident insurance terms and conditions No 4305.02 in Latvian
 Compensa Insurance product information document in Latvian valid till 09.05.2024
 Kids' / pupils' / youngsters' personal accident terms and conditions in Latvian valid till 09.05.2024

 

Life Insurance
 ERGO General and special insurance terms and conditions in Latvian valid from 01.10.2022 till 31.05.2023
 ERGO Insurance product information document in Latvian valid from 01.10.2022 till 31.05.2023
 ERGO Short health declaration in Latvian valid from 01.10.2022 till 31.05.2023
 ERGO Extended health declaration in Latvian valid from 01.10.2022 till 31.05.2023
 ERGO General and special insurance terms and conditions (in Latvian) valid till 03.02.2022
 ERGO Short health declaration (in Latvian) valid till 30.09.2022
 ERGO Extended health declaration (in Latvian) valid till 30.09.2022
 ERGO Pricelist
Information about Income Tax for Individuals
 Key Information Document about Investment Funds 
 Regulation for Life insurance with savings in investment funds
 General Terms for Life Insurance – Guaranteed Savings  in Latvian
 Terms for Life Insurance with Endowment Funds – Dynamic savings in Latvian
 Key Information Document (Guaranteed Savings) in Latvian
 Key Information Document (Dynamic Savings) in Latvian

Real Estate Insurance
​ AAS BALTA insurance agreement general rules No. 04, effective till 30.11.2018
​ AAS BALTA basic risk coverage insurance agreement for physical persons rules No. 1202.302
​ AAS BALTA extended risk coverage insurance agreement for physical persons rules No. 1202.402
​ AAS BALTA complete risk coverage real-estate insurance agreement for physical persons rules No. 1202.502
If P&C Insurance apdrošināšanas līguma vispārējie noteikumi Nr. 003.1, effective till 27.07.2022
If P&C Insurance Mājokļu apdrošināšanas noteikumi Nr. PI 11.7., effective till 27.07.2022
If P&C Insurance Privātpersonu vispārējās civiltiesiskās atbildības apdrošināšanas noteikumi Nr. 12.6, effective till 27.07.2022
Insurance product information document - individual basic risk property insurance effective till 16.01.2023
Insurance product information document - individual extended risk property insurance effective till 16.01.2023
Insurance product information document - individual all risk property insurance effective till 16.01.2023
 Insurance product information document - Luminor AAS “Balta” individual basic risk property insurance Terms and Conditions No. 1202.305 effective till 15.04.2024
 Insurance product information document - Luminor AAS “Balta” individual extended risk property insurance Terms and Conditions No. 1202.405 effective till 15.04.2024
 Insurance product information document - Luminor AAS “Balta” individual all risk property insurance Terms and Conditions No. 1202.505 effective till 15.04.2024
 Insurance product information document - Luminor AAS “Balta” individual basic risk property insurance Terms and Conditions No. 1202.305 effective till 04.09.2024
 Insurance product information document - Luminor AAS “Balta” individual extended risk property insurance Terms and Conditions No. 1202.405 effective till 04.09.2024
 Insurance product information document - Luminor AAS “Balta” individual all risk property insurance Terms and Conditions No. 1202.505 effective till 04.09.2024

Leasing insurance
 Specialised machinery and equipment insurance product description for Standard and Premium packages (valid till 02.02.2025)
 CASCO insurance product description for Standard and Premium packages (valid till 01.10.2023)

Luminor Group Privacy policy
​ Effective till 01.01.2019

Corporate social responsibility in Luminor
Corporate social responsibility in Luminor effective till 20.12.2021

Rules of Luminor Līzings SIA
 General Terms and Conditions of the Financial Leasing, in Latvian/English, valid till 22.03.2022
​ General Terms and Conditions of the Financial Leasing, in Latvian/English, valid till 10.05.2021
​ General Terms and Conditions of the Financial Leasing, in Latvian/English, valid till 13.01.2020
​ General Terms and Conditions of the Financial Leasing, in Latvian/English, valid till 01.01.2019
General Terms and Conditions of the Financial Leasing in Latvian/English, valid till 31.10.2018
 General Terms and Conditions of the Operating Leasing, in Latvian/English, valid till 22.03.2022
​ General Terms and Conditions of the Operating Leasing, in Latvian/English, valid till 10.05.2021
​ General Terms and Conditions of the Operating Leasing, in Latvian/English, valid till 13.01.2020
​ General Terms and Conditions of the Operating Leasing, in Latvian/English, valid till 01.01.2019
 General Terms and Conditions of the Operating Leasing in Latvian/English, valid till 31.10.2018

In Latvian:
 General terms and conditions of the financial leasing, valid till 30.09.2017
 General terms and conditions of the financial leasing for private individuals, valid till 30.09.2017​
 General Terms and conditions of the operating Leasing for private individuals, valid till 30.09.2017​
 General terms and conditions of the operating Leasing, valid till 30.09.2017​