Luminor Bloom. You can earn more with us.
Easy onboarding, 3% cashback at Rimi, 3% yearly interest rate for savings account for savings transferred to Luminor and no monthly fees with digital card – created so that you can earn more.
Daily banking with more benefits
Get 3% cashback on all Rimi purchases
- Up to €30 per month across the Baltics
Earn 3% annual interest on your savings
- Interest is calculated daily and paid monthly
- Add or withdraw money instantly whenever you need
- No account maintenance fees
Free account, payments and cash withdrawals
- No monthly maintenance fee
- Free Euro payments across the EU/EEA
- Free cash withdrawals at Luminor ATMs
Choose a digital or physical card
- Free digital card available instantly
- Physical card – for just €2 per month
Luminor Bloom savings account. Bring your savings to us and earn up to 3% annual interest.
Grow your savings with complete flexibility. If you transfer your savings to Luminor from another bank, you will earn 3% annual interest (campaign period valid until 31.12.2026). An annual interest rate of 1.5% applies to savings transferred within Luminor. For more details and eligibility requirements, see the campaign rules.
3% cashback at Rimi
Pay with your Luminor Bloom card at Rimi and get 3% cashback on your purchases. Your Luminor Bloom app shows your cashback grow in real time, so you can easily keep track of what you've collected throughout the month. At the beginning of the next month, your total cashback, up to 30 euros, is automatically added to your card account. The offer applies to card payments in Rimi stores and the e‑store.
One Luminor Bloom. Two ways to pay.
Complete your Luminor Bloom experience with a physical card. Order it anytime and enjoy the same Luminor Bloom benefits.
The monthly fee is 2.00 EUR. To order, simply log in to the Luminor Bloom app, go to the Cards section, tap the + symbol, and choose Order physical card.
For added security, your card details are now available exclusively in the app. You can view your full card number and CVV anytime in the app.
A chance to win €3,000
Pay with any Luminor card during the campaign period and take part in the lottery.
• Every eligible card transaction counts.
• Cash prizes and gift cards.
• 153 winners every month.
Consumer loans up to €30 000
• For bigger purchases and unexpected expenses
• Free early repayment
• Apply online in minutes
Start your journey with Luminor Bloom
Download the Luminor Bloom app
From App Store or Google Play
Verify your identity
Quick onboarding with Smart ID or Mobile-ID
Start paying instantly
Use your digital card for payments
Frequently asked questions
Everything you need to know about Luminor Bloom.
With Luminor Bloom, you get the essentials right from day one.
You can complete the onboarding remotely in just a few minutes, open a current account, and receive a digital Luminor Bloom card instantly, all at no extra cost. If you’d like a physical card as well, you can order one directly in the app for a monthly fee of €2.
Plus, when you use your Luminor Bloom card for purchases at any Rimi store across the Baltics or online, you can earn 3% cashback (up to €30 per month).
With the flexible Luminor Bloom savings account, you can earn interest on your savings with no fixed commitment.
We're continually expanding Luminor Bloom with new products and offers. If you give us marketing consent in the Luminor Bloom app, we’ll notify you as soon as new products become available.
Luminor Bloom package is completely free of charge. You can also order a Luminor Bloom physical card for a monthly fee of €2. For more information, please check our price list.
You can download Luminor Bloom from the Apple App Store or Google Play. Once installed, the app will guide you through a few quick steps to get you started.
Remote onboarding is available if you’re an Estonian resident and EU citizen aged 18 or over, have a valid ID, and can verify your identity with Smart‑ID or Mobile‑ID.
Yes, you don’t need to change your primary bank to use Luminor Bloom. Luminor Bloom is a card for everyone – no matter where you bank. Just download Luminor Bloom from the Apple App Store or Google Play, onboard, and start using it with benefits right away. Pay by card in all stores and make payments in Luminor Bloom free of charge.
Luminor Bloom currently features only the fast-onboarding process, which means that some customer groups who need to go through a more thorough onboarding process are not eligible yet (e.g. non EU citizens, Politically Exposed Persons, self employed). We will expand the service in the near future!