Terms & Conditions | Luminor

General terms and conditions

Luminor General Business Terms, effective from 02.01.2019.
Rules of Accounts, effective from 02.01.2019.
Payment Card Rules
Payment Rules
Rules of Regular Payment of Invoices
Rules of Remote Access Instruments, effective from 02.01.2019.
General conditions on Electronic Banking System for corporate customers

Card Acceptance Rules
Appendix to Card Acceptance Rules

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:

Financial Instrument Account Opening and Maintenance Rules, effective from 02.01.2019.
Term deposit Account Opening and Maintenance Rules, effective from 02.01.2019.
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 and Conditions for Savings Deposit, effective from 02.01.2019.
General Terms and Conditions for Term Deposit accounts, effective from 02.01.2019.
General Terms and Conditions on Opening and Servicing Securities Accounts, effective from 02.01.2019.
General Terms on Services Accessible with electronical identification codes
Conditions for Savings account of points

Rules of Luminor Līzings SIA
Documentary Collection

 Documentary Collection Application
 Documentary Collection Instruction

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

For account numbers containing letters​ “NDEA” (LVxxNDEAxxxxxxxxxxxxx):
Documentary collection payment order

Luminor Link

​ Luminor Link specification for RIKO account holders

Payment Cards

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

Conditions for Savings account of points
Background information on the protection of the state-guaranteed deposits

Property valuators

​ Real estate valuators in Latvian
Movable property valuators in Latvian

Real estate insurance
Travel insurance terms and conditions and risk coverage for credit cards

Travel insurance terms and conditions, which came into force for cards related to RIKO accounts from October 1st, 2018 and to NDEA accounts from January 1st, 2019

 VISA Classic and Mastercard Credit / PINS
 VISA Gold and MASTERCARD Gold
 VISA Platinum and MASTERCARD Platinum 
 VISA Business and MASTERCARD Business

Archives

Previous versions of the rules

 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 till 01.01.2019
​ 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 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 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 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

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 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 01.01.2019
 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

Payment Protection Insurance
​ 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

Real Estate Insurance
AAS BALTA insurance agreement general rules No. 04, effective till 30.11.2018

Luminor Group Privacy policy

​ Effective till 01.01.2019

Rules of Luminor Līzings Latvija SIA

​ 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 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​