Term deposit

1M 0,00 0,20 0,20 0,30
3M 0,10 0,30 0,30 0,40
6M 0,15 0,50 0,50 0,50
9M 0,15 0,50 0,50 0,60
12M 0,15 0,50 0,50 0,60
24M 0,15 0,50 0,50 0,60
36M 0,15 0,50 0,50 0,60
48M 0,15 0,55 0,50 0,75
60M 0,15 0,50 0,50 0,75
  • The above interest rates are valid for sums from 100 EUR to 100 000 EUR or the equivalent in other currencies.
  • The interest has been provided in the table in percentages on the basis of a 360-day (in case of GBP 365-day) year. Interest is calculated for the number of actual deposit days.
  • Interest rates are lower in the branch office by 0,1%.

Savings Account

Amount Interest rate
Amounts up to 50 000 € 0,15% per year
Amounts over 50 000 € 0,01% per year
  • The interest has been provided in the table in percentages for the reporting year (360 days). Interest is calculated for the number of actual deposit days.

Child's Deposit

The interest rate of the child’s deposit is set by the bank. The current interest rate is 1.2%.
  • The interest is calculated on the daily balance of the deposit.
  • The bank pays interest to the deposit account twice a year on 30 June and 31 December and whenthe deposit matures, so the interest paid to the account will also start earning interest

Base interest rates


EURIBOR®'s rates

EURIBOR® Benchmark

EURIBOR® is grounded, to the extent possible, in euro money market transactions that reflect the Underlying Interest, i.e. the rate at which wholesale funds in euro could be obtained by credit institutions in the EU and EFTA countries in the unsecured money market.

EURIBOR® is published on every TARGET day, at or shortly after 11.00 Brussels time, for each of its Defined Tenors: 1 week, 1 month, 3 months, 6 months and 12 months.

EURIBOR® benefits from a solid Governance Framework, and is calculated following the hybrid methodology described in the Benchmark Determination Methodology for EURIBOR®. The latter consists of a three-level waterfall, which prioritises the use of real transactions whenever available and appropriate. In the absence of transactions in the Underlying Interest, the hybrid methodology relies on other related market pricing sources to ensure EURIBOR®’s robustness. Furthermore, an assessment of the determination methodology for EURIBOR® is performed by EMMI every year.

Luminor Prime
Loan Products interest rates
Luminor base rate (Luminor Prime) 0,80% per 360-days year

Luminor Prime base interest:

  • Luminor Prime base interest is primarily meant as the base interest rate for long repayment period private loans (for example housing loans).
  • Luminor Prime base interest follows the situation on the market at a moderate pace, offering a more stable interest rate fluctuation than money market interest rates for example.
  • Base interest rate is affected by current short and long-term money market interest rates, the legal environment and interest rate expectations, inflation forecasts and general trends in economic development.
  • Luminor Prime base interest rate is determined by Luminor council.

Overdraft base interest rate

Overdraft base interest rate
Base rate for overdrafts 10.95% per 360-days year

Current account

Currency of the current account Interest rate
EUR 0,01%
Other currencies 0%
  • The interest rate shown in the table is in percent over the reporting year (360 days)
  • The interest is calculated for the actual number of deposit days
  • The interest is calculated from end-of-day account balances of at least 300 euros and is transferred to your current account at least once a year


Credit Card interest rates

Credit cards Interest rate based on a 360-days year
Mastercard Credit 20% per year / 0,056% per day
PINS 22% per year / 0,061% per day
Stockmann 18% per year / 0,05% per day
Platinum 12% per year / 0,033% per day
Mastercard Gold 18% per year / 0,05% per day
TopeltNeto 22% per year / 0,061% per day
Finnair Plus 22% per year / 0,061% per day

Late interest penalty

Late interest penalty
8% per year (0,022% per day) on a 360-days year base*, but not less than contractual interest rate.
* ECB interest rate +8%, but not less than contractual interest rate.

ECB interest rate is the interest rate on the main refinancing operations (MRO), which provide the bulk of liquidity to the banking system. It might change twice a year (1st of January and 1st of July), the change will be announced in Ametlikud Teadaanded (Official Announcements).