Rules

Terms and conditions of Luminor Bank AS 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:

​ General Terms and Conditions
​ Rules on use of remote access instruments
​ Financial Instrument Account Opening and Maintenance Rules
​ Payment Rules
​ Term deposit Account Opening and Maintenance Rules
 Correspondent banks
​ Rules For Regular Invoice Payment
​ Easy login service rules

Terms and conditions of Luminor Bank AS 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 and Conditions for Current Accounts
 General Terms and Conditions for Savings Deposit
 General Terms and Conditions for Term Deposit accounts
 General Terms and Conditions on Daily Banking Package
 General Terms and Conditions on Business Packages
 General conditions on Nordea Electronic Banking System
 General Terms and Conditions on Opening and Servicing Securities Accounts

General Terms and Conditions for Payment Cards:

for account numbers containing letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx)
​ Account Maintenance and Card Usage Rules

for account numbers containing letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
​ Terms for Stockmann Mastercard
​ Conditions for Savings account of points
​ 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 Platinum credit card

Background information on the protection of the state-guaranteed deposits

​ General Terms and Conditions of the Financial Leasing in Latvian/English 
​ General Terms and Conditions of the Operating Leasing in Latvian/English

​ AAS BALTA insurance agreement general rules AAS BALTA No. 04 (LV)
​ AAS BALTA extended risk coverage insurance agreement for physical persons rules No. 1202.402 (LV)
​ Client’s complaints review process (LV)
​ Terms and conditions of general civil liability insurance of individuals AAS BALTA NO. 5202.02

​ Luminor Līzings SIA rules for ground transportation insurance (LV)
​ Insurance brokerage (LV)
​ AAS BALTA ground transportation basic risks insurance rules No.2101.302 (LV)
​ AAS BALTA ground transportation extended risks insurance rules No.2101.402 (LV)
​ AAS BALTA ground transportation complete risk insurance rules No.2101.502 (LV)
​ Supplement to AAS BALTA ground transportation insurance rules No. 2101.402 and No. 2101.502 (car replacement) (LV)
​ Supplement to AAS BALTA ground transportation insurance rules No. 2101.402 un No. 2101.502 (road assistance) (LV)
​ Clients complaints review (LV)

For account numbers containing letters​ “RIKO” (LVxxRIKOxxxxxxxxxxxxx):

 Application for Issue of Guarantee
 Application for Issue of Guarantee (in accordance with Rules for Issue of Guarantees)
 Application for amendments to the provisions of the Guarantee
 Application for amendments to the provisions of the Guarantee (in accordance with Rules for Issue of Guarantees)
 Rules for Issue of Guarantees 

For account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
 Application for Issue of Guarantee
 Application for Issuance of Guarantee against Cash Collateral
 General Terms and Conditions on Issuance of Guarantees
Online Guarantee Application

 ERGO Pricelist LV
Information about Income Tax for Individuals
 Basic information on life insurance for family protection LV

For account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
 Key Information Document about Investment Funds (N) LV
 Pamatinformācijas dokuments par kredītņēmēja dzīvības apdrošināšanu (N) LV

For account numbers containing letters​ “RIKO” (LVxxRIKOxxxxxxxxxxxxx)
 Key Information Document about Investment Funds (D) LV
 Key Information Document (Borrower’s life insurance) (D)​ LV

 General Terms for Life Insurance – Guaranteed Savings  LV
 Terms for Life Insurance with Endowment Funds – Dynamic savings LV
 Key Information Document (Guaranteed Savings) LV
 Key Information Document (Dynamic Savings) LV

General Terms and Conditions for Payment Cards:

for account numbers containing letters​ “RIKO” (LVxxRIKOxxxxxxxxxxxxx)
​ Account Maintenance and Card Usage Rules
​ Card Acceptance Rules
​ Cards Acceptance Rules (Appendix)
Contactless payments
Secure use of payment cards
Cash pay-out in the stores (in Latvian and Russian)

for account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
​ Terms for Stockmann MasterCard
​ Conditions for Savings account of points
​ 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 Platinum credit card

Background information on the protection of the state-guaranteed deposits

​ Information on Payment Protection Insurance
​ Insurance intermediation (LV)
​ AAS „BALTA” Insurance rules for loan instalments and regular payments No. 1501.203 (LV)
​ Consideration of the customers’ complaints (LV)

​ Purchase insurance terms and conditions as well as risk coverages for credit cards linked to “RIKO” accounts  (Visa Gold, MC Gold, Visa Platinum, Visa Business, MC Business)
 Purchase insurance terms and conditions as well as risk coverages for credit cards linked to “NDEA” accounts (MasterCard Debit, Mastercard Credit, Mastercard Gold, Mastercard Platinum)
 What to do, if the insured event occurs

​ Real estate valuators in Latvian
​ Movable property valuators in Latvian

For corporate customers

​ Luminor Bank JSC Collateral Insurance Requirements for Corporate Customers valid from 2018 05 15

For private customers

​ Luminor Bank JSC Collateral Insurance Requirements valid from 2018 05 15
​ AAS BALTA insurance agreement general rules AAS BALTA No. 04 (LV)
​ AAS BALTA basic risk coverage insurance agreement for physical persons rules No. 1202.302 (LV)
​ AAS BALTA extended risk coverage insurance agreement for physical persons rules No. 1202.402 (LV)
​ AAS BALTA complete risk coverage real-estate insurance agreement for physical persons rules No. 1202.502 (LV)
​ Client’s complaints review process (LV)
​ Supplement No. 1202.601 to AAS BALTA real estate insurance agreement for physical persons (home assistance) (LV)

 If P&C Insurance apdrošināšanas līguma vispārējie noteikumi Nr. 003.1 (LV)
 If P&C Insurance Mājokļu apdrošināšanas noteikumi Nr. PI 11.7. (LV)
 If P&C Insurance Privātpersonu vispārējās civiltiesiskās atbildības apdrošināšanas noteikumi Nr. 12.6 (LV)

For account numbers containing letters​ “RIKO” (LVxxRIKOxxxxxxxxxxxxx)​

 Real estate insurance requirements for individuals valid until 2018 05 14

For account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx)
 
 Real estate insurance requirements for individuals valid until 2018 05 14

For account numbers containing letters​ “RIKO” (LVxxRIKOxxxxxxxxxxxxx)

 VISA Classic un MC Standard
 VISA Gold un MC Gold
 VISA Platinum
 VISA Business un MC Business
 What to do if an accident has occurred? 

For account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx)

 Mastercard Gold (in Latvian)
 Mastercard Credit and PINS card (in Latvian)
 Mastercard Platinum (in Latvian)
 Mastercard Business (in Latvian)
 Travel Insurance Claim Form (in Latvian)

​ Personal data protection recommendations when executing transactions in the digital environment
Terms and Conditions for participation in Galactico Privilege Program
​ Backgraund information on the protection of the state – guaranteed deposits (in Latvian)

Previous versions of the rules

​ General Terms and Conditions, effective till 25.06.2015
​ General Terms and Conditions, effective till 30.09.2017
​ Account Maintenance and Card Usage Rules, effective till 25.06.2015
​ 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 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 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 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 of Regular Invoice Payment, effective till 25.06.2015
​ Rules For Regular Invoice Payment, effective till 01.10.2017
​ Card Acceptance Rules, effective till 09.06.2016
​ Card Acceptance Rules, effective till 01.10.2017
​ Cards Acceptance Rules, effective till 01.10.2017
​ Cards 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