Deposit

Period | EUR | USD | GBP | NOK |
---|---|---|---|---|

1M | 0.00 | 0.30 | 0.40 | 0.40 |

3M | 0.10 | 0.55 | 0.50 | 0.80 |

6M | 0.25 | 1.00 | 0.65 | 1.00 |

9M | 0.35 | 1.05 | 0.75 | 1.05 |

12M | 0.45 | 1.15 | 0.90 | 1.10 |

24M | 0.35 | 1.30 | 0.80 | 1.20 |

36M | 0.35 | 1.30 | 0.80 | 1.35 |

48M | 0.35 | 1.50 | 1.05 | 1.60 |

60M | 0.70 | 1.50 | 1.05 | 1.60 |

- 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%.

Period | EUR |
---|---|

6M | 0,20 |

12M | 0,30 |

18M | 0,30 |

24M | 0,30 |

30M | 0,30 |

36M | 0,35 |

42M | 0,35 |

48M | 0,35 |

54M | 0,35 |

60M | 0,40 |

- 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.

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.

Amount | EUR interest rate |
---|---|

Amounts up to 30 000 € | 0,2% per year |

For the part that exceeds 30 000 € | 0,03% per year |

For the part that exceeds 70 000 € | 0,01% per year |

- Interest is calculated for minimum balance of calendar month and paid once a month on the second banking day of the month.
- The Bank has the right to change interest and sum ranges unilaterally without prior notice. Valid interest terms and conditions are available on the Bank`s homepage.
- 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.

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

Loan Products interest rates | |
---|---|

Luminor base rate (Luminor Prime) | 0,80% per 360-days year |

- 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 | |
---|---|

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

Cards

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 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).