Interest rates

Term deposit
1M 0,01 1,15 0,3 0,40
3M 0,05 1,15 0,30 0,60
6M 0,15 1,35 0,3 0,70
9M 0,15 1,45 0,4 0,80
12M 0,25 1,55 0,7 1,00
24M 0,25 1,65 0,9 1,10
36M 0,3 1,75 1,0 1,20
48M 0,55 2,05 1,2 1,5
60M 0,8 2,25 1,3 1,6
  • 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 for the reporting year (360 days). Interest is calculated for the number of actual deposit days.
  • Interest rates are lower in the office by 0,05%.
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
Base rate for overdrafts 10.95% per 360-days year
Currency of the current account Interest rate
EUR 0,01%
  • 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

Nordea Credit 20% per year/ 0,056% per day
Nordea Gold 18% per year/ 0,05.% 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
TopeltNeto 22% per year/ 0,061.% per day
Finnair Plus 22% per year/ 0,061.% per day
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).