Luminor review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Luminor charges a monthly fee of €2.50 on its visa debit card, so it suits euro spenders who take cash out often and want ATM headroom rather than a charge-free account. Spending outside the euro is where the bill grows, with a currency conversion fee of 2%.
Key facts
- Best for
- Euro banking with regular cash withdrawals from the ATM.
- Monthly fee
- €2.50 (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €600 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Luminor Bank AS (Source, checked September 26, 2026)
- Headquarters
- Estonia (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Email, Phone (Source, checked September 26, 2026)
- Official website
- luminor.ee
Credit cards
Pros and cons
Pros
- Free ATM withdrawals of €600, ranking 5 of 115 on the cards ranked.
- A debit card on the visa network, issued by Luminor Bank AS.
- Support runs on email and phone, giving you phone and email contact.
Cons
- A monthly fee of €2.50 applies while the median across the site is €0.
- A currency conversion fee of 2%, against 1% for the debit cards ranked.
- Support runs on email and phone only.
Who it suits
- Euro spenders in Estonia who take cash out regularly and value a large free ATM allowance.
- Readers who want phone and email support on a debit card.
- Readers who rarely spend abroad, since the 2% conversion fee then stays out of the picture.
Who should look elsewhere
- Wise, whose monthly fee is £0, if you would rather hold an account with no monthly charge.
- Varo Believe Secured Credit Card, a secured credit card with a monthly fee of $0, if you want credit rather than a debit card.
- Chime Card (Secured Visa Credit Card), whose monthly fee is $0, if the standing monthly charge is the deal breaker.
How it compares on our data
On free ATM withdrawals Luminor ranks 5 of 115 brands ranked. The currency conversion fee places it at 160 of 259, and the monthly fee sits at 362 of 419. Cash access is the strongest of the three, the standing monthly charge the weakest.
Fees and FX
The monthly fee is €2.50 on the account, a standing cost whether or not the card is used heavily. The currency conversion fee is 2%, charged when spending happens in a currency other than the euro. Together they make Luminor a card for euro spending, and a costlier one abroad.
How Luminor compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 9.2
8.7 vs 8.8
8.7 vs 8.5
8.7 vs 8.5
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8.7 vs 9.2
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.8
8.7 vs 9.6
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.1
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8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.8
8.7 vs 8.8- 8.7 vs 8.8
- 8.7 vs 8.8
8.7 vs 8.8- 8.7 vs 8.8
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.3
8.7 vs 8.2
8.7 vs 8.0
8.7 vs 8.0
Where Luminor is available
- Available
- Estonia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Luminor charge each month?+
Luminor is a debit account with a standing monthly fee of €2.50. Across the cards on the site the median monthly fee is €0, so Luminor sits among the brands that charge for holding an account. The charge applies whether or not the card is used much.
What do I pay for currency conversion?+
The currency conversion fee is 2% on the account. Among the debit cards ranked the median is 1% and the upper quartile is 2.5%, so Luminor is a pricey card to use abroad. Euro spending does not attract the charge.
Can I take out cash without paying?+
Free ATM withdrawals are listed at €600, which puts Luminor at 5 of 115 brands ranked on that measure. The card runs on the visa network, so cash access depends on the network of the machine you use.
What kind of card is this?+
It is a debit card on the visa network, issued by Luminor Bank AS, a bank based in Estonia. Because it is a debit card, spending draws on the money in the account rather than building a credit balance, and the legal entity on the price list is the party you deal with if a charge is disputed.
How do I reach customer support?+
Support runs on email and phone, so you can reach the bank by phone or by email. Both routes are listed for the account in the price list, which gives you a phone option alongside written requests when a payment or a card needs sorting out.
Who does Luminor suit?+
Luminor suits readers in Estonia who bank in euro, withdraw cash regularly and already use a visa card. The free ATM allowance of €600 is the reason to stay, while the monthly fee of €2.50 is the reason to weigh a charge-free account instead.
How does it rank against other cards?+
On the site's data Luminor ranks 362 of 419 on the monthly fee, 160 of 259 on currency conversion and 5 of 115 on free ATM withdrawals. Cash allowance is the strongest of the three.
Sources
- en.wikipedia.org/wiki/Luminor_Bank checked September 26, 2026
Backs: Founded, Headquarters
“Luminor Bank was established in 2017”
- luminor.ee/s3fs-public/pricelists/pricelist_54_private_en... checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currency conversion fee, Legal entity, Monthly fee, Card network, Support channels
“Cash withdrawal - Luminor ATMs: Free up to EUR 600 per calendar month - Luminor Debit”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.