General terms and conditions
Luminor General Business Terms, effective till 29.02.2024
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
General conditions on Electronic Banking System for corporate customers
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
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:
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
Requirements of Luminor Līzings SIA for land transport insurance
in Latvian/English
General Terms and Conditions of the Financial Leasing, valid from 23.03.2022
General Terms and Conditions of the Operating Leasing, valid from 23.03.2022
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
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
Rules on Issuance of Letters of Credit, effective from 01.03.2022
Application to issue letter of credit
Application to amend the letter of credit
Gjensidige Insurance product information document in Latvian, effective from 09.05.2023
Gjensidige Insurance Agent Information document in Latvian, effective from 09.05.2023
Gjensidige General and special insurance terms and conditions, effective from 12.09.2023
Compensa Insurance product information document valid from 10.05.2024.
Kids' / pupils' / youngsters' personal accident terms and conditions
BALTA Personal accident insurance terms and conditions No 4305.02 in Latvian
Compensa pre-contractual information in Latvian
Compensa Seesam critical illnesses terms and conditions in Latvian
Insurance Requirements (residential real estate)
Insurance Requirements (Commercial property)
In Latvian, unless otherwise specified:
Insurance mediation
IJSC Balta home insurance basic risk Terms and Conditions No.1202.306 valid from 06.09.2024
IJSC Balta home insurance expanded risk Terms and Conditions No.1202.406 valid from 06.09.2024
IJSC Balta home insurance the most comprehensive risk Terms and Conditions No.1202.506 valid from 06.09.2024
Insurance product information document – IJSC Balta home insurance basic risk Terms and Conditions No.1202.306 valid from 06.09.2024
Insurance product information document - IJSC Balta home insurance expanded risk Terms and Conditions No.1202.406 valid from 06.09.2024
Insurance product information document - IJSC Balta home insurance the most comprehensive risk Terms and Conditions No.1202.506 valid from 06.09.2024
Complaints and feedback handling
Real estate valuators
Movable property valuators in Latvian
Insurance product information document in Latvian
Effective from 01.01.2024
Luminor Black
Luminor Infinite
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 22.05.2024
Visa Business purchase insurance terms and conditions
Visa Business purchase insurance – most important information (in Latvian)
Effective from 01.10.2022
Purchase insurance rules for Luminor Black and Infinite cards
Purchase insurance Luminor Black and Luminor Visa Infinite – most important information
Effective from 16.03.2022
Safety+ service insurance rules
Personal data protection recommendations when executing transactions in the digital environment
Background information on the protection of the state-guaranteed deposits
Standardized terms of services and their definitions (Glossary)
Fee Information Document
Your rights when making payments in Europe
Previous versions of the rules
Luminor General Business Terms, effective until 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
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 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 in Latvian valid till 09.05.2024.
Kids' / pupils' / youngsters' personal accident terms and conditions in Latvian
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 05.09.2024
Insurance product information document - Luminor AAS “Balta” individual extended risk property insurance Terms and Conditions No. 1202.405 effective till 05.09.2024
Insurance product information document - Luminor AAS “Balta” individual all risk property insurance Terms and Conditions No. 1202.505 effective till 05.09.2024
Leasing insurance
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