Terms & Conditions | Luminor
Rules of Luminor Bank AS

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
​ Payment Rules, valid from 01.10.2018
​ 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 Current Accounts, valid from 01.10.2018
 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 on Services Accessible with electronical identification codes
 General Terms of E-Identification and E-Payment Agreement
 General Terms of E-Identification and E-Payment Agreement, valid from 23.08.2018

General Terms and Conditions for Payment Cards:

for account numbers containing letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx)
​ Account Maintenance and Card Usage Rules
​ Account Maintenance and Card Usage Rules, valid from 01.10.2018

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 and International Maestro Cards, valid from 01.10.2018
 General Terms and Conditions for international Mastercard Platinum credit card
 General Terms and Conditions for international Mastercard Platinum credit card, valid from 01.10.2018

Background information on the protection of the state-guaranteed deposits

Rules of Luminor Līzings SIA
Luminor Link

​ Luminor Link specification for RIKO account holders

Property valuators

​ Real estate valuators in Latvian
Movable property valuators in Latvian

Travel insurance terms and conditions and risk coverage for credit cards

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
 Mastercard Credit and PINS card
 Mastercard Platinum
 Mastercard Business
 Travel Insurance Claim Form

Archives

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 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

Rules of Luminor Līzings Latvija SIA

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​