{"id":4275,"date":"2025-12-16T12:43:15","date_gmt":"2025-12-16T12:43:15","guid":{"rendered":"https:\/\/helvetios.com\/?p=4275"},"modified":"2026-07-07T11:48:01","modified_gmt":"2026-07-07T11:48:01","slug":"luminor-bank-%d1%8d%d1%81%d1%82%d0%be%d0%bd%d0%b8%d1%8f-%d0%ba%d0%be%d1%80%d0%bf%d0%be%d1%80%d0%b0%d1%82%d0%b8%d0%b2%d0%bd%d1%8b%d0%b9-%d1%81%d1%87%d0%b5%d1%82-%d0%b4%d0%bb%d1%8f-e-%d1%80%d0%b5%d0%b7","status":"publish","type":"post","link":"https:\/\/helvetios.com\/ru\/luminor-bank-estonia-corporate-account-for-e-residents-and-non-residents-2025\/","title":{"rendered":"Luminor Bank Estonia: \u041f\u043e\u043b\u043d\u043e\u0435 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u043f\u043e \u0431\u0438\u0437\u043d\u0435\u0441-\u0441\u0447\u0435\u0442\u0430\u043c \u0434\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u0432 2025 \u0433\u043e\u0434\u0443\u00a0"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>\u0427\u0442\u043e \u0442\u0430\u043a\u043e\u0435 Luminor Bank AS?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/luminor.ee\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u041b\u0443\u043c\u0438\u043d\u043e\u0440 \u0411\u0430\u043d\u043a \u0410\u0421<\/a>&nbsp;\u0434\u0435\u0439\u0441\u0442\u0432\u0443\u0435\u0442 \u043a\u0430\u043a \u043a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0439 \u0431\u0430\u043d\u043a \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u043f\u043e \u043e\u0431\u044a\u0435\u043c\u0443 \u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u0438 \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442 \u0442\u0440\u0435\u0442\u044c\u0435 \u043c\u0435\u0441\u0442\u043e \u0432 \u0411\u0430\u043b\u0442\u0438\u0439\u0441\u043a\u043e\u043c \u0440\u0435\u0433\u0438\u043e\u043d\u0435. \u0428\u0442\u0430\u0431-\u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0430 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u0432 \u0422\u0430\u043b\u043b\u0438\u043d\u043d\u0435, \u042d\u0441\u0442\u043e\u043d\u0438\u044f. \u0411\u0430\u043d\u043a \u0432\u043e\u0437\u043d\u0438\u043a \u0432 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0435 \u0441\u043b\u0438\u044f\u043d\u0438\u044f \u0432 2017 \u0433\u043e\u0434\u0443 \u0431\u0430\u043b\u0442\u0438\u0439\u0441\u043a\u0438\u0445 \u043f\u043e\u0434\u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u0438\u0439 \u0434\u0432\u0443\u0445 \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u0441\u043a\u0430\u043d\u0434\u0438\u043d\u0430\u0432\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432: Nordea Bank \u0438 DNB Bank.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 Luminor Estonia (2024-2025):<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041f\u043e\u0437\u0438\u0446\u0438\u044f \u043d\u0430 \u0440\u044b\u043d\u043a\u0435:<\/strong>&nbsp;4-\u0439 \u043f\u043e \u0432\u0435\u043b\u0438\u0447\u0438\u043d\u0435 \u0431\u0430\u043d\u043a \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u043f\u043e \u0440\u0430\u0437\u043c\u0435\u0440\u0443 \u0430\u043a\u0442\u0438\u0432\u043e\u0432&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0414\u043e\u043b\u044f \u043d\u0430 \u0440\u044b\u043d\u043a\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f:<\/strong>&nbsp;11% \u0434\u043e\u043b\u0438 \u0440\u044b\u043d\u043a\u0430 (<a href=\"https:\/\/www.fi.ee\/sites\/default\/files\/2025-11\/FI_EFT_2_2025_eng.pdf\" target=\"_blank\" rel=\"noopener\">\u0418\u0441\u0442\u043e\u0447\u043d\u0438\u043a<\/a>)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0414\u043e\u043b\u044f \u0440\u044b\u043d\u043a\u0430 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u043e\u0432:<\/strong>&nbsp;4% \u0434\u043e\u043b\u0438 \u0440\u044b\u043d\u043a\u0430. (<a href=\"https:\/\/www.fi.ee\/sites\/default\/files\/2025-11\/FI_EFT_2_2025_eng.pdf\" target=\"_blank\" rel=\"noopener\">\u0418\u0441\u0442\u043e\u0447\u043d\u0438\u043a<\/a>)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041e\u0431\u0449\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0430\u043a\u0442\u0438\u0432\u043e\u0432:<\/strong>&nbsp;15 723,7 \u043c\u043b\u043d \u0435\u0432\u0440\u043e (<a href=\"https:\/\/www.fi.ee\/sites\/default\/files\/2025-11\/FI_EFT_2_2025_eng.pdf\" target=\"_blank\" rel=\"noopener\">\u0418\u0441\u0442\u043e\u0447\u043d\u0438\u043a<\/a>)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041a\u043b\u0438\u0435\u043d\u0442\u0441\u043a\u0430\u044f \u0431\u0430\u0437\u0430:<\/strong>&nbsp;\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e 870 000 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0432 \u0411\u0430\u043b\u0442\u0438\u0439\u0441\u043a\u043e\u043c \u0440\u0435\u0433\u0438\u043e\u043d\u0435.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0411\u0430\u043d\u043a \u0431\u044b\u043b \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u043e\u0441\u043d\u043e\u0432\u0430\u043d \u0432 \u0430\u0432\u0433\u0443\u0441\u0442\u0435 2017 \u0433\u043e\u0434\u0430, \u0430 \u0441\u0434\u0435\u043b\u043a\u0430 \u043f\u043e \u0441\u043b\u0438\u044f\u043d\u0438\u044e \u0431\u044b\u043b\u0430 \u043e\u043a\u043e\u043d\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0430 1 \u044f\u043d\u0432\u0430\u0440\u044f 2019 \u0433\u043e\u0434\u0430. \u0412 \u0441\u0435\u043d\u0442\u044f\u0431\u0440\u0435 2019 \u0433\u043e\u0434\u0430 \u043a\u043e\u043d\u0441\u043e\u0440\u0446\u0438\u0443\u043c \u0432\u043e \u0433\u043b\u0430\u0432\u0435 \u0441 Blackstone Group \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u043b 60% \u0430\u043a\u0446\u0438\u0439 Luminor \u0443 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0445 \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0435\u0432 \u2014 Nordea \u0438 DNB, \u0447\u0442\u043e \u043e\u0437\u043d\u0430\u043c\u0435\u043d\u043e\u0432\u0430\u043b\u043e \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043f\u0435\u0440\u0435\u0445\u043e\u0434 \u043e\u0442 \u0447\u0438\u0441\u0442\u043e \u0441\u043a\u0430\u043d\u0434\u0438\u043d\u0430\u0432\u0441\u043a\u043e\u0433\u043e \u0432\u043b\u0430\u0434\u0435\u043d\u0438\u044f \u043a \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044e \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u0447\u0430\u0441\u0442\u043d\u044b\u0445 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u0444\u043e\u043d\u0434\u043e\u0432.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor \u0431\u044b\u043b \u043f\u0440\u0438\u0437\u043d\u0430\u043d \u0437\u043d\u0430\u0447\u0438\u043c\u044b\u043c \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435\u043c \u043f\u043e \u043a\u0440\u0438\u0442\u0435\u0440\u0438\u044f\u043c \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043d\u0430\u0434\u0437\u043e\u0440\u0430 \u0438 \u043d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u043f\u043e\u0434 \u043f\u0440\u044f\u043c\u044b\u043c \u043d\u0430\u0434\u0437\u043e\u0440\u043e\u043c \u0415\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u043e\u0433\u043e \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 (\u0415\u0426\u0411), \u0447\u0442\u043e \u043e\u0442\u0440\u0430\u0436\u0430\u0435\u0442 \u0435\u0433\u043e \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u0443\u044e \u0432\u0430\u0436\u043d\u043e\u0441\u0442\u044c \u0434\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0430 \u0441\u0442\u0440\u0430\u043d \u0411\u0430\u043b\u0442\u0438\u0438.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u041f\u043e\u0437\u0438\u0446\u0438\u044f Luminor \u0432 \u0441\u0444\u0435\u0440\u0435 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f e-\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0443\u0440\u044b \u042d\u0441\u0442\u043e\u043d\u0438\u0438<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor Bank \u043f\u0440\u0438\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0438 \u0438\u0437\u0431\u0438\u0440\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u043e\u0434\u0445\u043e\u0434\u0430 \u043a \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044e \u044d-\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u0438 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432-\u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u0435\u0439 \u0441\u0440\u0435\u0434\u0438 \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438. \u0423\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0443\u0436\u0435\u0441\u0442\u043e\u0447\u0438\u043b\u043e \u0441\u0432\u043e\u044e \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0443 \u043f\u0440\u0438\u043d\u044f\u0442\u0438\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432-\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u0441 2018\u20132019 \u0433\u043e\u0434\u043e\u0432, \u0432\u043d\u0435\u0434\u0440\u0438\u0432 \u0441\u0442\u0440\u043e\u0433\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u0441\u0432\u044f\u0437\u0438 \u0441 \u042d\u0441\u0442\u043e\u043d\u0438\u0435\u0439, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u044e\u0442 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f Swedbank \u0438 SEB.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0441\u0442\u0438\u043a\u0438 \u043f\u043e\u0437\u0438\u0446\u0438\u043e\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f:<\/strong>&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. \u041e\u0440\u0438\u0435\u043d\u0442\u0430\u0446\u0438\u044f \u043d\u0430 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f \u0438 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f<\/strong>&nbsp;Luminor \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u0443\u0435\u0442\u0441\u044f \u043d\u0430 \u0441\u043e\u0441\u0442\u043e\u044f\u0432\u0448\u0438\u0435\u0441\u044f \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0446\u0438\u0438, \u0441\u0440\u0435\u0434\u043d\u0438\u0435 \u0438 \u043a\u0440\u0443\u043f\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u0430 \u043d\u0435 \u043d\u0430 \u0441\u0442\u0430\u0440\u0442\u0430\u043f\u044b \u0438\u043b\u0438 \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438. \u041f\u0440\u043e\u0446\u0435\u0441\u0441\u044b \u043e\u0442\u0431\u043e\u0440\u0430 \u0431\u0430\u043d\u043a\u0430 \u043e\u0442\u0440\u0430\u0436\u0430\u044e\u0442 \u044d\u0442\u0443 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c, \u043e\u0442\u0434\u0430\u0432\u0430\u044f \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0435\u043d\u0438\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c \u0441 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043e\u0439 \u0438 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0435\u0439 \u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. \u0421\u0442\u0440\u043e\u0436\u0430\u0439\u0448\u0438\u0435 \u043a\u0440\u0438\u0442\u0435\u0440\u0438\u0438 \u0441\u0432\u044f\u0437\u0438 \u0441 \u042d\u0441\u0442\u043e\u043d\u0438\u0435\u0439<\/strong>&nbsp;\u0421\u0440\u0435\u0434\u0438 \u0432\u0441\u0435\u0445 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 Luminor \u043f\u0440\u0435\u0434\u044a\u044f\u0432\u043b\u044f\u0435\u0442 \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u0441\u0442\u0440\u043e\u0433\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044e. \u0421\u0442\u0430\u0442\u0443\u0441 e-\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0441\u0442\u0432\u0430 \u0434\u0430\u0435\u0442 \u043d\u0435\u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e \u2014 \u0437\u0430\u044f\u0432\u0438\u0442\u0435\u043b\u0438 \u0434\u043e\u043b\u0436\u043d\u044b \u043f\u0440\u043e\u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0433\u043b\u0443\u0431\u043e\u043a\u0443\u044e, \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044c\u043d\u0443\u044e \u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c\u0443\u044e \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. \u041d\u0430\u0438\u0432\u044b\u0441\u0448\u0438\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0437\u0430 \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u0443\u044e \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443<\/strong>&nbsp;Luminor \u0432\u0437\u0438\u043c\u0430\u0435\u0442 \u0441\u0430\u043c\u044b\u0435 \u0432\u044b\u0441\u043e\u043a\u0438\u0435 \u0432 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u043c \u0441\u0435\u043a\u0442\u043e\u0440\u0435 \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u043d\u0435\u0432\u043e\u0437\u0432\u0440\u0430\u0442\u043d\u044b\u0435 \u0441\u0431\u043e\u0440\u044b \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 \u0437\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0439: \u043d\u0430\u0447\u0438\u043d\u0430\u044f \u0441 1000 \u0435\u0432\u0440\u043e, \u0441 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c\u044e \u043f\u0440\u0435\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u044d\u0442\u043e\u0439 \u0441\u0443\u043c\u043c\u044b \u0434\u043b\u044f \u0441\u043b\u043e\u0436\u043d\u044b\u0445 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440 \u0438\u043b\u0438 \u043f\u0440\u043e\u0444\u0438\u043b\u0435\u0439 \u0432\u044b\u0441\u043e\u043a\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. \u041a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0441\u0435\u0442\u044c \u0444\u0438\u043b\u0438\u0430\u043b\u043e\u0432<\/strong>&nbsp;\u041f\u043e\u0441\u043b\u0435 \u043a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0430\u0446\u0438\u0438, \u0432\u043e\u0437\u043d\u0438\u043a\u0448\u0435\u0439 \u0432 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0435 \u0441\u043b\u0438\u044f\u043d\u0438\u044f \u0432 2019 \u0433\u043e\u0434\u0443, Luminor \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u043b \u0441\u0432\u043e\u044e \u0441\u0435\u0442\u044c \u0444\u0438\u043b\u0438\u0430\u043b\u043e\u0432 \u0432 \u0441\u0442\u0440\u0430\u043d\u0430\u0445 \u0411\u0430\u043b\u0442\u0438\u0438, \u0437\u0430\u043a\u0440\u044b\u0432 26 \u0438\u0437 61 \u0446\u0435\u043d\u0442\u0440\u0430 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432. \u0411\u0430\u043d\u043a \u043e\u0442\u0434\u0430\u0435\u0442 \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u043c \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c \u043a\u0430\u043d\u0430\u043b\u0430\u043c, \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u044f \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043f\u0440\u0438\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0434\u043b\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0441 \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u0443\u0440\u043e\u0432\u043d\u0435\u043c \u0430\u043a\u0442\u0438\u0432\u043e\u0432.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. \u041f\u043e\u0434\u0445\u043e\u0434 \u043a \u0432\u043b\u0430\u0434\u0435\u043d\u0438\u044e \u0447\u0430\u0441\u0442\u043d\u044b\u043c \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440\u043d\u044b\u043c \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u043e\u043c<\/strong>&nbsp;\u041f\u043e\u0434 \u043c\u0430\u0436\u043e\u0440\u0438\u0442\u0430\u0440\u043d\u044b\u043c \u0432\u043b\u0430\u0434\u0435\u043d\u0438\u0435\u043c Blackstone Group \u0441 2019 \u0433\u043e\u0434\u0430 Luminor \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442 \u0441 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u044b\u043c \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435\u043c \u043a \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438, \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044e \u0440\u0438\u0441\u043a\u0430\u043c\u0438 \u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438, \u0447\u0442\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u0435\u0442 \u0431\u043e\u043b\u0435\u0435 \u0438\u0437\u0431\u0438\u0440\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043f\u0440\u0438\u0435\u043c \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430\u043c\u0438, \u043f\u0440\u0438\u043d\u0430\u0434\u043b\u0435\u0436\u0430\u0449\u0438\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u0431\u0438\u0437\u043d\u0435\u0441-\u0441\u0447\u0435\u0442\u0443 Luminor Estonia<\/strong>&nbsp;<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043a\u0440\u0438\u0442\u0435\u0440\u0438\u0438 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c<\/strong>&nbsp;<\/h4>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0435 \u201c\u041a\u0440\u0435\u043f\u043a\u0430\u044f \u0441\u0432\u044f\u0437\u044c \u0441 \u042d\u0441\u0442\u043e\u043d\u0438\u0435\u0439\u201d:<\/strong>&nbsp;<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442 \u0432\u0441\u0435 \u0437\u0430\u044f\u0432\u043a\u0438 \u043d\u0430 \u043e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0441\u043a\u0438\u0445 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u0441\u0447\u0435\u0442\u043e\u0432, \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u044f \u0441\u0430\u043c\u0443\u044e \u0441\u0442\u0440\u043e\u0433\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 \u043e\u0446\u0435\u043d\u043a\u0438 \u0441\u0432\u044f\u0437\u0435\u0439 \u0432 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u0441\u0444\u0435\u0440\u0435 \u042d\u0441\u0442\u043e\u043d\u0438\u0438. \u041e\u0442\u0434\u0435\u043b\u044b \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f \u043d\u043e\u0440\u043c\u0430\u043c \u0438 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0440\u0438\u0441\u043a\u0430\u043c\u0438 \u0431\u0430\u043d\u043a\u0430 \u043f\u0440\u0438\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043f\u043e\u0434\u0445\u043e\u0434\u0430, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u043e\u0433\u043e \u043d\u0430 \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0430\u0445 \u00ab\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043e \u043d\u0430\u0434 \u0444\u043e\u0440\u043c\u043e\u0439\u00bb, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0440\u0435\u0430\u043b\u044c\u043d\u044b\u0445, \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c\u044b\u0445 \u0438 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u043d\u0430 \u0442\u0435\u0440\u0440\u0438\u0442\u043e\u0440\u0438\u0438 \u042d\u0441\u0442\u043e\u043d\u0438\u0438.&nbsp;<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u041e\u0447\u0435\u043d\u044c \u0441\u0438\u043b\u044c\u043d\u044b\u0435 \u0441\u0432\u044f\u0437\u0438 (\u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b \u0434\u043b\u044f \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u044f \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f):<\/strong>&nbsp;<\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0421\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438:<\/strong>&nbsp;\u041f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u043c\u043e\u0449\u043d\u043e\u0441\u0442\u0438, \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0448\u0442\u0430\u0431-\u043a\u0432\u0430\u0440\u0442\u0438\u0440\u044b, \u043f\u0440\u0438\u043d\u043e\u0441\u044f\u0449\u0430\u044f \u0434\u043e\u0445\u043e\u0434 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c \u0438\u043b\u0438 \u043a\u0440\u0443\u043f\u043d\u044b\u0435 \u0441\u043a\u043b\u0430\u0434\u0441\u043a\u0438\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435 \u0442\u0440\u0443\u0434\u043e\u0443\u0441\u0442\u0440\u043e\u0439\u0441\u0442\u0432\u0430 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438:<\/strong>&nbsp;\u041c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u043e \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u043a\u043e\u0432 \u0438\u0437 \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u0441 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u043d\u043e\u0439 \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u043e\u0439, \u0430 \u043d\u0435 \u043d\u043e\u043c\u0438\u043d\u0430\u043b\u044c\u043d\u044b\u043c\u0438 \u0434\u043e\u043b\u0436\u043d\u043e\u0441\u0442\u044f\u043c\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041a\u0440\u0443\u043f\u043d\u043e\u043c\u0430\u0441\u0448\u0442\u0430\u0431\u043d\u044b\u0435 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0435 \u0434\u0435\u043b\u043e\u0432\u044b\u0435 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u044f:<\/strong>&nbsp;\u041a\u0440\u0443\u043f\u043d\u044b\u0435 \u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u044b \u0441 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u043c\u0438 \u043f\u043e\u0441\u0442\u0430\u0432\u0449\u0438\u043a\u0430\u043c\u0438, \u0434\u0438\u0441\u0442\u0440\u0438\u0431\u044c\u044e\u0442\u043e\u0440\u0430\u043c\u0438 \u0438\u043b\u0438 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c\u0438, \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0449\u0438\u0435 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u0443\u044e \u0447\u0430\u0441\u0442\u044c \u0434\u0435\u043b\u043e\u0432\u043e\u0439 \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0411\u043e\u043b\u044c\u0448\u0438\u0435 \u043e\u0431\u044a\u0435\u043c\u044b \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0447\u0435\u0440\u0435\u0437 \u042d\u0441\u0442\u043e\u043d\u0438\u044e:<\/strong>&nbsp;\u0421\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0440\u0435\u0433\u0443\u043b\u044f\u0440\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0432\/\u0438\u0437 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0421\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0435 \u0430\u043a\u0442\u0438\u0432\u044b:<\/strong>&nbsp;\u041d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c, \u043e\u0431\u043e\u0440\u0443\u0434\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043b\u0438 \u0437\u0430\u043f\u0430\u0441\u044b, \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438 \u0440\u0430\u0441\u043f\u043e\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0435 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041e\u043f\u044b\u0442 \u0440\u0430\u0431\u043e\u0442\u044b \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438:<\/strong>&nbsp;\u041c\u043d\u043e\u0433\u043e\u043b\u0435\u0442\u043d\u0438\u0439 \u043e\u043f\u044b\u0442 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0439 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u043e\u0439 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0439 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0427\u043b\u0435\u043d\u044b \u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f, \u043f\u0440\u043e\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438:<\/strong>&nbsp;\u0424\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043f\u0440\u0438\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u043b\u0438\u0446, \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u044e\u0449\u0438\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u044f, \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u0423\u043c\u0435\u0440\u0435\u043d\u043d\u044b\u0435 \u0441\u0432\u044f\u0437\u0438 (\u043e\u0431\u044b\u0447\u043d\u043e \u043d\u0435\u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u044b\u0435 \u0441\u0430\u043c\u0438 \u043f\u043e \u0441\u0435\u0431\u0435):<\/strong>&nbsp;<\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0415\u0434\u0438\u043d\u0438\u0447\u043d\u044b\u0439 \u044d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0439 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u043a \u0438\u043b\u0438 \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u043d\u0442&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u042d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0435 \u043f\u043e\u0441\u0442\u0430\u0432\u0449\u0438\u043a\u0438 \u0443\u0441\u043b\u0443\u0433 \u0434\u043b\u044f \u043c\u0430\u043b\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430 (\u0431\u0443\u0445\u0433\u0430\u043b\u0442\u0435\u0440, \u0442\u043e\u043b\u044c\u043a\u043e \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u0434\u0440\u0435\u0441)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0426\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0431\u0435\u0437 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0442\u043e\u0447\u0435\u043a \u0441\u043e\u043f\u0440\u0438\u043a\u043e\u0441\u043d\u043e\u0432\u0435\u043d\u0438\u044f \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u042d\u0441\u0442\u043e\u043d\u0441\u043a\u0438\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 \u0431\u0435\u0437 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u043e\u0431\u044a\u0435\u043c\u043e\u0432 \u0441\u0434\u0435\u043b\u043e\u043a&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0417\u0430\u043f\u043b\u0430\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u0431\u0435\u0437 \u0442\u0435\u043a\u0443\u0449\u0435\u0433\u043e \u0438\u0441\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f&nbsp;<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u0421\u043b\u0430\u0431\u044b\u0435 \u0441\u0432\u044f\u0437\u0438 (\u0437\u0430\u044f\u0432\u043a\u0430 \u043e\u0442\u043a\u043b\u043e\u043d\u0435\u043d\u0430):<\/strong>&nbsp;<\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0421\u0442\u0430\u0442\u0443\u0441 \u0435-\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0441\u0442\u0432\u0430 \u043a\u0430\u043a \u0435\u0434\u0438\u043d\u0441\u0442\u0432\u0435\u043d\u043d\u0430\u044f \u0441\u0432\u044f\u0437\u044c&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u042e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u0434\u0440\u0435\u0441 \u0431\u0435\u0437 \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0427\u0438\u0441\u0442\u043e \u0434\u0438\u0441\u0442\u0430\u043d\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0421\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u043f\u043e\u0434\u0441\u0442\u0430\u0432\u043d\u044b\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u0438, \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0439 \u0440\u044b\u043d\u043e\u043a, \u0431\u0435\u0437 \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a \u0415\u0421&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0422\u043e\u0440\u0433\u043e\u0432\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438, \u0433\u0434\u0435 \u0442\u043e\u0432\u0430\u0440\u044b \u043d\u0438\u043a\u043e\u0433\u0434\u0430 \u043d\u0435 \u043f\u0440\u043e\u0445\u043e\u0434\u044f\u0442 \u0447\u0435\u0440\u0435\u0437 \u042d\u0441\u0442\u043e\u043d\u0438\u044e&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u0438 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u043e\u0442\u043a\u043b\u043e\u043d\u0435\u043d\u044b<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor \u043f\u0440\u0438\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u0430\u0431\u0441\u043e\u043b\u044e\u0442\u043d\u043e\u0433\u043e \u0438\u0441\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0441\u0435\u043a\u0442\u043e\u0440\u043e\u0432 \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0441 \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u0443\u0440\u043e\u0432\u043d\u0435\u043c \u0440\u0438\u0441\u043a\u0430:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041e\u043f\u0435\u0440\u0430\u0446\u0438\u0438, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u044e\u0442\u043e\u0439:<\/strong>&nbsp;\u0422\u043e\u0440\u0433\u043e\u0432\u043b\u044f, \u043e\u0431\u043c\u0435\u043d, \u0443\u0441\u043b\u0443\u0433\u0438 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430, \u043c\u0430\u0439\u043d\u0438\u043d\u0433, \u043a\u043e\u043d\u0441\u0430\u043b\u0442\u0438\u043d\u0433 \u043f\u043e \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0443 \u0438\u043b\u0438 \u043b\u044e\u0431\u0430\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u0430\u044f \u0441 \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u044e\u0442\u043e\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0410\u0437\u0430\u0440\u0442\u043d\u044b\u0435 \u0438\u0433\u0440\u044b \u0438 \u0438\u0433\u0440\u044b:<\/strong>&nbsp;\u041e\u043d\u043b\u0430\u0439\u043d-\u043a\u0430\u0437\u0438\u043d\u043e, \u0441\u0442\u0430\u0432\u043a\u0438 \u043d\u0430 \u0441\u043f\u043e\u0440\u0442, \u043f\u043e\u043a\u0435\u0440-\u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b, \u043b\u043e\u0442\u0435\u0440\u0435\u0439\u043d\u044b\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u044b&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0420\u0430\u0437<\/strong>&nbsp;\u041f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u043a\u043e\u043d\u0442\u0435\u043d\u0442\u0430, \u0435\u0433\u043e \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0435\u043d\u0438\u0435 \u0438\u043b\u0438 \u0441\u043c\u0435\u0436\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0422\u043e\u0432\u0430\u0440\u044b \u0432\u044b\u0441\u043e\u043a\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430<\/strong>&nbsp;\u0422\u043e\u0440\u0433\u043e\u0432\u043b\u044f \u0434\u0440\u0430\u0433\u043e\u0446\u0435\u043d\u043d\u044b\u043c\u0438 \u043c\u0435\u0442\u0430\u043b\u043b\u0430\u043c\u0438, \u043f\u0440\u043e\u0434\u0430\u0436\u0430 \u043e\u0440\u0443\u0436\u0438\u044f, \u0442\u043e\u0432\u0430\u0440\u044b \u0434\u0432\u043e\u0439\u043d\u043e\u0433\u043e \u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u0438\u044f&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0414\u0435\u043d\u0435\u0436\u043d\u043e-\u0440\u0430\u0441\u0447\u0435\u0442\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438:<\/strong>&nbsp;\u041e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u0443\u0441\u043b\u0443\u0433\u0438 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432, \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u043f\u043e \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0443 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 (\u0435\u0441\u043b\u0438 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u043d\u0435 \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043e)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0422\u043e\u0440\u0433\u043e\u0432\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u0424\u043e\u0440\u0435\u043a\u0441:<\/strong>&nbsp;\u0412\u0430\u043b\u044e\u0442\u043d\u043e-\u043e\u0431\u043c\u0435\u043d\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041c\u043d\u043e\u0433\u043e\u0443\u0440\u043e\u0432\u043d\u0435\u0432\u044b\u0439 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433<\/strong>&nbsp;\u0421\u0435\u0442\u0435\u0432\u043e\u0439 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433 \u0438\u043b\u0438 \u043f\u0440\u044f\u043c\u044b\u0435 \u043f\u0440\u043e\u0434\u0430\u0436\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041b\u043e\u043c\u0431\u0430\u0440\u0434\u044b \u0438 \u043f\u0443\u043d\u043a\u0442\u044b \u043e\u0431\u043c\u0435\u043d\u0430 \u0447\u0435\u043a\u043e\u0432:<\/strong>&nbsp;\u0410\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0411\u0438\u0437\u043d\u0435\u0441, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u0441 \u043a\u0430\u043d\u043d\u0430\u0431\u0438\u0441\u043e\u043c:<\/strong>&nbsp;\u0414\u0430\u0436\u0435 \u0442\u0430\u043c, \u0433\u0434\u0435 \u044d\u0442\u043e \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u043e \u0437\u0430\u043a\u043e\u043d\u043e\u043c&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0413\u0435\u043e\u0433\u0440\u0430\u0444\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0438 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u043d\u044b\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u044b \u0434\u043e\u043b\u0436\u043d\u043e\u0439 \u043e\u0441\u043c\u043e\u0442\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/strong>&nbsp;<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0421\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u0430\u044f \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u0435\u0442\u0441\u044f \u043a:<\/strong>&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0411\u0435\u043d\u0435\u0444\u0438\u0446\u0438\u0430\u0440\u043d\u044b\u0435 \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u044b \u0438 \u0447\u043b\u0435\u043d\u044b \u0441\u043e\u0432\u0435\u0442\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u043e\u0432, \u044f\u0432\u043b\u044f\u044e\u0449\u0438\u0435\u0441\u044f \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430\u043c\u0438 \u0415\u0421\/\u0415\u042d\u0417&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0416\u0438\u0442\u0435\u043b\u0438 \u0437\u0430\u043f\u0430\u0434\u043d\u043e\u0435\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u0438\u0445 \u0438 \u0441\u0435\u0432\u0435\u0440\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u043d&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0413\u0440\u0430\u0436\u0434\u0430\u043d\u0435 \u0421\u0428\u0410, \u041a\u0430\u043d\u0430\u0434\u044b, \u0410\u0432\u0441\u0442\u0440\u0430\u043b\u0438\u0438, \u041d\u043e\u0432\u043e\u0439 \u0417\u0435\u043b\u0430\u043d\u0434\u0438\u0438 \u0441 \u0447\u0435\u0442\u043a\u0438\u043c\u0438 \u0431\u0438\u0437\u043d\u0435\u0441-\u043c\u043e\u0434\u0435\u043b\u044f\u043c\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0423\u0441\u0438\u043b\u0435\u043d\u043d\u044b\u0439 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044c \u0438 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u044b\u0435 \u0441\u0431\u043e\u0440\u044b \u0437\u0430:<\/strong>&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041d\u0435\u0433\u0440\u0430\u0436\u0434\u0430\u043d\u0435 \u0415\u0421\/\u0415\u042d\u0417 (\u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 500-1000 \u0435\u0432\u0440\u043e \u0438 \u0432\u044b\u0448\u0435)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0416\u0438\u0442\u0435\u043b\u0438 \u044e\u0440\u0438\u0441\u0434\u0438\u043a\u0446\u0438\u0439 \u0438\u0437 \"\u0441\u0435\u0440\u043e\u0433\u043e \u0441\u043f\u0438\u0441\u043a\u0430\" \u0424\u0410\u0422\u0424&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0437\u043d\u0430\u0447\u0438\u043c\u044b\u0435 \u043b\u0438\u0446\u0430 (\u041f\u0417\u041b), \u0438\u0445 \u0447\u043b\u0435\u043d\u044b \u0441\u0435\u043c\u044c\u0438 \u0438 \u0431\u043b\u0438\u0437\u043a\u0438\u0435 \u0440\u043e\u0434\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0416\u0438\u0442\u0435\u043b\u0438 \u0441\u0442\u0440\u0430\u043d \u0441\u043e \u0441\u043b\u0430\u0431\u044b\u043c\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c\u0438 \u041f\u041e\u0414\/\u0424\u0422&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0413\u0440\u0430\u0436\u0434\u0430\u043d\u0435 \u041a\u0438\u043f\u0440\u0430 \u0438\u043b\u0438 \u041b\u0438\u0445\u0442\u0435\u043d\u0448\u0442\u0435\u0439\u043d\u0430 (\u043d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0447\u043b\u0435\u043d\u0441\u0442\u0432\u043e \u0432 \u0415\u0421\/\u0415\u042d\u0417, \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043a\u0430\u043a \u0433\u0440\u0443\u043f\u043f\u0430 \u0432\u044b\u0441\u043e\u043a\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0422\u0438\u043f\u0438\u0447\u043d\u043e \u043e\u0442\u043a\u043b\u043e\u043d\u0435\u043d\u043d\u044b\u0435 \u0437\u0430\u044f\u0432\u043a\u0438:<\/strong>&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0413\u0440\u0430\u0436\u0434\u0430\u043d\u0435 \u0420\u043e\u0441\u0441\u0438\u0438 \u0438 \u0411\u0435\u043b\u0430\u0440\u0443\u0441\u0438 (\u0441\u0430\u043d\u043a\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f, \u043e\u0447\u0435\u043d\u044c \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043d\u044b\u0435 \u0438\u0441\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0416\u0438\u0442\u0435\u043b\u0438 \u0441\u0442\u0440\u0430\u043d \u0438\u0437 \u0447\u0435\u0440\u043d\u043e\u0433\u043e \u0441\u043f\u0438\u0441\u043a\u0430 \u0424\u0410\u0422\u0424&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0421\u0430\u043d\u043a\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u044e\u0440\u0438\u0441\u0434\u0438\u043a\u0446\u0438\u0438 (\u0418\u0440\u0430\u043d, \u0421\u0435\u0432\u0435\u0440\u043d\u0430\u044f \u041a\u043e\u0440\u0435\u044f, \u0421\u0438\u0440\u0438\u044f, \u0412\u0435\u043d\u0435\u0441\u0443\u044d\u043b\u0430, \u041a\u0440\u044b\u043c)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0411\u0435\u043d\u0435\u0444\u0438\u0446\u0438\u0430\u0440\u043d\u044b\u0435 \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u044b \u043d\u0435 \u0432 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438 \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0438\u0441\u0447\u0435\u0440\u043f\u044b\u0432\u0430\u044e\u0449\u0443\u044e \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u044e \u043e\u0431 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\/\u0431\u043b\u0430\u0433\u043e\u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u044f&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041a\u0430\u043d\u0434\u0438\u0434\u0430\u0442\u044b \u0441 \u043d\u0435\u0433\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0435\u0439 \u0432 \u0421\u041c\u0418 \u0438\u043b\u0438 \u0440\u0435\u043f\u0443\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430\u043c\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u041a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b Luminor Estonia (2025)<\/strong>&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0421\u0435\u0440\u0432\u0438\u0441<\/strong>&nbsp;<\/td><td><strong>\u041f\u043b\u0430\u0442\u0430<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u2014 \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u042d\u0441\u0442\u043e\u043d\u0438\u0438&nbsp;<\/td><td><strong>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u2014 \u043a\u043b\u0438\u0435\u043d\u0442 Luminor Group, \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u042d\u0441\u0442\u043e\u043d\u0438\u0438&nbsp;<\/td><td><strong>\u20ac100<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u2014 \u041d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 (\u0415\u042d\u0417)&nbsp;<\/td><td><strong>\u041e\u0442 1000 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u2014 \u041d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 (\u0437\u0430 \u043f\u0440\u0435\u0434\u0435\u043b\u0430\u043c\u0438 \u0415\u042d\u0417)&nbsp;<\/td><td><strong>\u041e\u0442 1000 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041f\u0435\u0440\u0432\u0438\u0447\u043d\u044b\u0439 \u043e\u0441\u043c\u043e\u0442\u0440 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 (EMI, PI, \u0431\u0430\u043d\u043a\u0438)&nbsp;<\/td><td><strong>\u041e\u0442 1000 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430 \u0415\u0421 \u0432 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435 \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440\u0430&nbsp;<\/td><td><strong>500 \u0435\u0432\u0440\u043e \u0437\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044e<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u0432 \u0431\u0430\u043d\u043a\u0430\u0445 \u0433\u0440\u0443\u043f\u043f\u044b Luminor \u0437\u0430 \u0440\u0443\u0431\u0435\u0436\u043e\u043c&nbsp;<\/td><td><strong>\u041e\u0442 300 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043f\u0430\u043a\u0435\u0442\u044b<\/strong>&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u041f\u0430\u043a\u0435\u0442<\/strong>&nbsp;<\/td><td><strong>\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430<\/strong>&nbsp;<\/td><td><strong>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0432 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><td><strong>\u0412\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/strong>&nbsp;<\/td><td><strong>\u0412\u0438\u0437\u0430 \u0411\u0438\u0437\u043d\u0435\u0441 \u0414\u0435\u0431\u0435\u0442<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043f\u0430\u043a\u0435\u0442 10<\/strong>&nbsp;<\/td><td><strong>\u20ac3<\/strong>&nbsp;<\/td><td>10&nbsp;<\/td><td>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><td>1 \u043a\u0430\u0440\u0442\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><\/tr><tr><td><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043f\u0430\u043a\u0435\u0442 25<\/strong>&nbsp;<\/td><td><strong>\u20ac7<\/strong>&nbsp;<\/td><td>25&nbsp;<\/td><td>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><td>1 \u043a\u0430\u0440\u0442\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><\/tr><tr><td><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043f\u0430\u043a\u0435\u0442 50<\/strong>&nbsp;<\/td><td><strong>\u20ac13<\/strong>&nbsp;<\/td><td>50&nbsp;<\/td><td>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><td>1 \u043a\u0430\u0440\u0442\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><\/tr><tr><td><strong>\u0411\u0438\u0437\u043d\u0435\u0441-\u043f\u0430\u043a\u0435\u0442 150<\/strong>&nbsp;<\/td><td><strong>\u20ac29<\/strong>&nbsp;<\/td><td>150&nbsp;<\/td><td>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><td>1 \u043a\u0430\u0440\u0442\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u041e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430<\/strong>&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0421\u0435\u0440\u0432\u0438\u0441<\/strong>&nbsp;<\/td><td><strong>\u041f\u043b\u0430\u0442\u0430<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 (\u0434\u043b\u044f \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438)&nbsp;<\/td><td><strong>\u20ac1<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u2014 \u0434\u043b\u044f \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u0432 (\u0415\u042d\u0417)&nbsp;<\/td><td><strong>\u20ac60<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 (\u0437\u0430 \u043f\u0440\u0435\u0434\u0435\u043b\u0430\u043c\u0438 \u0415\u042d\u0417)&nbsp;<\/td><td><strong>\u20ac60<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u2014 \u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u042d\u0441\u0442\u043e\u043d\u0438\u0438, \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440 \u043a\u043e\u0442\u043e\u0440\u043e\u0433\u043e \u043d\u0435 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0433\u0440\u0430\u0436\u0434\u0430\u043d\u0438\u043d\u043e\u043c \u0441\u0442\u0440\u0430\u043d\u044b \u0415\u042d\u0417&nbsp;<\/td><td><strong>\u20ac60<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u0437\u0430 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u043d\u0443\u044e \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443 \u0431\u043b\u0430\u0433\u043e\u043d\u0430\u0434\u0435\u0436\u043d\u043e\u0441\u0442\u0438&nbsp;<\/td><td><strong>\u20ac30<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u2014 EMI \/ PI \/ \u0431\u0430\u043d\u043a\u0438&nbsp;<\/td><td><strong>\u20ac500<\/strong>&nbsp;<\/td><\/tr><tr><td>\u041f\u043b\u0430\u0442\u0430 \u0437\u0430 \u043e\u0441\u0442\u0430\u0442\u043e\u043a \u043d\u0430 \u0441\u0447\u0435\u0442\u0435 \u2014 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f&nbsp;<\/td><td><em>(\u0421\u0442\u0430\u0432\u043a\u0430 \u0426\u0411 \u2212 0,31 TP3T) \/ 360<\/em>&nbsp;<\/td><\/tr><tr><td>\u041a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u043e\u0441\u0442\u0430\u0442\u043a\u0430 \u043d\u0430 \u0441\u0447\u0435\u0442\u0435 \u2014 \u043f\u0440\u043e\u0447\u0438\u0435 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043b\u0438\u0446\u0430 (\u043f\u0440\u0435\u0432\u044b\u0448\u0430\u044e\u0449\u0438\u0435 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u0435 \u043f\u043e\u0440\u043e\u0433\u0438)&nbsp;<\/td><td><em>(\u0421\u0442\u0430\u0432\u043a\u0430 \u0426\u0411 \u2212 0,11 TP3T) \/ 360<\/em>&nbsp;<\/td><\/tr><tr><td>\u041f\u0440\u043e\u0446\u0435\u043d\u0442\u044b \u043f\u043e \u0442\u0435\u043a\u0443\u0449\u0438\u043c \u0441\u0447\u0435\u0442\u0430\u043c \u0432 \u0435\u0432\u0440\u043e&nbsp;<\/td><td><strong>0%<\/strong>&nbsp;<\/td><\/tr><tr><td>\u0417\u0430\u043a\u0440\u044b\u0442\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u043e\u0432\u0430\u043d\u043e \u0431\u0430\u043d\u043a\u043e\u043c&nbsp;<\/td><td><strong>\u0414\u043e 100 \u0435\u0432\u0440\u043e<\/strong>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f Luminor Business<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0426\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u0443\u044e \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0443 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0438\u043d\u0433\u0430:&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0421\u043f\u043e\u0441\u043e\u0431\u044b \u0434\u043e\u0441\u0442\u0443\u043f\u0430:<\/strong>&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0418\u043d\u0442\u0435\u0440\u043d\u0435\u0442-\u0431\u0430\u043d\u043a\u0438\u043d\u0433<\/strong>&nbsp;\u0412\u0435\u0431-\u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u043f\u043e \u0430\u0434\u0440\u0435\u0441\u0443&nbsp;<a href=\"http:\/\/www.luminor.ee\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.luminor.ee<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u041c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0433<\/strong>&nbsp;\u041c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435 Luminor Eesti (iOS \u0438 Android)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0410\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f:<\/strong>&nbsp;\u0426\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0442\u043e\u0440 e-Residency, Mobile-ID, Smart-ID, \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 PIN-\u043a\u043e\u0434\u0430&nbsp;<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b:<\/strong>&nbsp;<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433 \u0441\u0447\u0435\u0442\u0430 \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0438 \u0438\u0441\u0442\u043e\u0440\u0438\u044f \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u0435\u043d\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 SEPA, SEPA Instant \u0438 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0423\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043c\u0443\u043b\u044c\u0442\u0438\u0432\u0430\u043b\u044e\u0442\u043d\u044b\u043c\u0438 \u0441\u0447\u0435\u0442\u0430\u043c\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u044b\u0435 \u043f\u043e\u0440\u0443\u0447\u0435\u043d\u0438\u044f \u0438 \u0448\u0430\u0431\u043b\u043e\u043d\u044b \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0426\u0438\u0444\u0440\u043e\u0432\u043e\u0435 \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u0438\u0435 \u0438 \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u041c\u043d\u043e\u0433\u043e\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0439 \u0434\u043e\u0441\u0442\u0443\u043f \u0441 \u043d\u0430\u0441\u0442\u0440\u0430\u0438\u0432\u0430\u0435\u043c\u044b\u043c\u0438 \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u0438\u044f\u043c\u0438&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Integration with Estonian e-Tax system&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E-invoice management&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Account statement generation and export&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Business Services Portfolio<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Payment and cash management:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Merchant&nbsp;acquiring&nbsp;and POS terminals&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E-commerce payment gateway solutions&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Corporate cards with expense management&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liquidity management tools&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multi-currency services&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lending and credit:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business term loans (requires strong Estonian presence and operational history)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real estate financing&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Working capital facilities&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit lines&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Equipment leasing (through AS Luminor&nbsp;Liising)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trade finance:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Letters of credit&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Documentary collections&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank guarantees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Export\/import financing&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investment and pension:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Brokerage services&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Securities portfolio management&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pension product distribution&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Common Questions About Luminor Estonia<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Can I open Luminor account as an e-resident?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technically yes, but&nbsp;practically no&nbsp;for most e-residents. E-Residency status provides minimal advantage with Luminor. Unless you have substantial physical Estonian operations (employees, office, major local contracts), approval probability is effectively zero. The \u20ac1,000+ non-refundable application fee makes this an expensive way to receive a decline letter.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Why is Luminor&#8217;s due diligence fee so high?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor charges \u20ac1,000-2,500+ to cover extensive compliance review costs and to discourage unsuitable applications. The bank&#8217;s risk management framework requires comprehensive background checks, source of funds\/wealth verification, and detailed business model assessment. Additionally, the fee structure helps ensure only serious, well-capitalized businesses&nbsp;proceed&nbsp;with applications.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Is Luminor worth the high cost?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For 95%+ of Estonian company formations: No. The cost-benefit analysis strongly&nbsp;favors&nbsp;alternatives:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LHV Bank:<\/strong>&nbsp;1\/10th the cost, faster approval, designed for e-residents&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SEB Bank:<\/strong>&nbsp;Free first year, 1\/5th ongoing cost, comparable services&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Swedbank:<\/strong>&nbsp;Lower fees, larger branch network&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Digital alternatives:<\/strong>&nbsp;1\/50th the cost for basic banking needs&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor&#8217;s premium pricing only justifies itself for large corporations requiring specialized services unavailable elsewhere.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Do I definitely need to visit Estonia?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, without exception. Luminor&nbsp;requires&nbsp;mandatory physical presence at Estonia branch for all authorized signatories. No video identification&nbsp;option&nbsp;exists. Budget 1-2 days in Estonia for bank visit, plus&nbsp;additional&nbsp;time if multiple board members&nbsp;require&nbsp;separate appointments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;What if I&#8217;m declined\u2014can I reapply?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, but address decline reasons first. Most common decline factors:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Insufficient Estonian connection&nbsp;&nbsp;&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Unclear business model or weak documentation&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Source of funds concerns&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Geographic risk factors&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Business category restrictions&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Reapplying without addressing root causes wastes another \u20ac1,000+ in fees. Consider whether alternative bank might be more&nbsp;appropriate before&nbsp;reapplication.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Can I use Luminor for cryptocurrency business?&#8221;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely not. Luminor maintains complete prohibition on cryptocurrency-related businesses across all categories. This policy is strictly enforced with zero exceptions. Undisclosed crypto involvement discovered after account opening results in immediate account closure and potential legal action.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How&nbsp;Helvetios&nbsp;Assists with Luminor Bank Account Opening<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At&nbsp;Helvetios, we have guided over 200 Estonian company formations and banking setups since 2018. Our experience with Luminor Bank applications has led us to develop a frank, realistic assessment approach that saves clients significant money and time.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Our Luminor banking&nbsp;assistance&nbsp;includes:<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Critical Pre-Application Reality Check<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We provide honest assessment of Luminor approval probability before you invest \u20ac1,120-2,500 in non-refundable fees:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Luminor suitable (&lt;5% of our clients):<\/strong>&nbsp;Large established businesses with substantial Estonian operations, willing to pay premium fees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Luminor unsuitable (95% of clients):<\/strong>&nbsp;Startups, digital businesses, e-residents without material Estonian presence, cost-conscious entrepreneurs&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Our recommendation for 95% of clients: Do not apply to Luminor. Pursue LHV, SEB, or digital alternatives instead.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We save clients an average of \u20ac1,120-2,500 by preventing unsuitable Luminor applications.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Alternative Banking Strategy (Our Primary Service)<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rather than pursuing unlikely Luminor approval, we guide clients to&nbsp;appropriate alternatives:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option 1\u2014LHV Bank (recommended for 60% of clients):<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower fees (\u20ac10-20\/month vs \u20ac510-1,010+\/month)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Designed for e-residents and digital businesses&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faster approval (3-4 weeks vs 6-10+ weeks)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Modern digital banking experience&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No application fee (save \u20ac1,000+&nbsp;immediately)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Learn more about:&nbsp;<a href=\"https:\/\/helvetios.com\/ru\/lhv-bank-estonia-complete-guide-for-business-account-opening-in-2025\/\">Opening Business Account in LHV 2025&nbsp;&nbsp;<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option 2\u2014SEB Bank (recommended for 25% of clients):<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free first year for new business customers&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Video identification&nbsp;option&nbsp;(may&nbsp;eliminate&nbsp;Estonia visit)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac200 application fee for non-EU\/EEA (vs \u20ac1,000+ at Luminor)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprehensive services at moderate cost&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faster timeline than Luminor&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Learn more&nbsp;about:&nbsp;<a href=\"https:\/\/helvetios.com\/ru\/seb-bank-estonia-complete-business-account-opening-guide-for-non-residents-in-2025\/\">setting up&nbsp;business bank account in SEB Bank 2025&nbsp;<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option 3\u2014Swedbank (recommended for 10% of clients):<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Largest branch network if physical banking important&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac300-750 application fee (still less than Luminor)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprehensive corporate services&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Established reputation&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Get more insight into <a href=\"https:\/\/helvetios.com\/ru\/swedbank-estonia-%d0%b1%d0%b8%d0%b7%d0%bd%d0%b5%d1%81-%d0%b1%d0%b0%d0%bd%d0%ba%d0%b8%d0%bd%d0%b3-%d1%81%d1%87%d0%b5%d1%82%d0%b0-%d1%80%d1%83%d0%ba%d0%be%d0%b2%d0%be%d0%b4%d1%81%d1%82%d0%b2%d0%be\/\">Swedbank Business Bank Account Opening in 2025&nbsp;<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Option 4\u2014Digital banking (recommended for 5% of clients needing immediate operations):<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wise Business, Revolut Business,&nbsp;Paysera&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No Estonia visit&nbsp;required&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fast approval (1-7 days)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lithuanian IBAN (acceptable for most business needs)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minimal monthly fees (\u20ac0-25\/month)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion: Luminor Bank Reality for Estonian Companies<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Luminor Bank Estonia&nbsp;represents&nbsp;the most exclusive, expensive, and restrictive banking option in the Estonian market.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The honest assessment:<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Luminor is&nbsp;optimal&nbsp;for:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Large established corporations (\u20ac5M+ annual revenue)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Businesses with substantial physical Estonian operations (manufacturing, significant employee base, large-scale&nbsp;logistics)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Companies&nbsp;requiring&nbsp;complex trade finance or significant credit facilities (\u20ac1M+)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enterprises for which \u20ac2,000-10,000 annual banking costs&nbsp;represent&nbsp;negligible expense&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Businesses already declined by all alternative banks (though Luminor&nbsp;likely will&nbsp;decline too)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>This&nbsp;represents&nbsp;&lt;5% of Estonian company formations.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Luminor is completely unsuitable for:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E-residents&nbsp;operating&nbsp;digital businesses (95%+ of e-resident companies)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Startups and small-to-medium businesses&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Location-independent online operations&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Service-based businesses without Estonian employees or physical presence&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cost-conscious entrepreneurs seeking value-oriented banking&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Anyone unable to&nbsp;demonstrate&nbsp;material, substantial, verifiable Estonian operations&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>This&nbsp;represents&nbsp;95%+ of Estonian company formations.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Critical decision factors:<\/strong>&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Cost comparison:<\/strong>&nbsp;Luminor costs 5-60\u00d7 more than alternatives (\u20ac1120-7,000 vs \u20ac120-1,500 first year)&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Approval probability:<\/strong>&nbsp;&lt;10% for typical e-resident vs 70-85% at LHV for same profile&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>\u0412\u0440\u0435\u043c\u0435\u043d\u043d\u0430\u044f \u0448\u043a\u0430\u043b\u0430:<\/strong>&nbsp;6-10+ weeks vs 3-4 weeks at alternatives&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Non-refundable risk:<\/strong>&nbsp;\u20ac1,000-2,500 at risk regardless of outcome vs \u20ac0-750 at alternatives&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The strategic recommendation for 95% of readers:<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do not apply to Luminor Bank.<\/strong>&nbsp;The combination of:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Highest fees in Estonia&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lowest approval rates for e-residents\/small businesses&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Longest timelines&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Most stringent requirements&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Highest non-refundable application fees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Makes Luminor an economically irrational choice for typical Estonian company formations.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instead:<\/strong>&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Digital businesses and e-residents:<\/strong>&nbsp;Apply to LHV Bank (no application fee, \u20ac10-20\/month, 70-85% approval rate)&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Cost-conscious startups:<\/strong>&nbsp;Apply to SEB Bank (free first year, \u20ac200 or \u20ac0 application fee depending on region)&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Traditional businesses:<\/strong>&nbsp;Apply to Swedbank (larger branch network, \u20ac300-750 application fee, lower ongoing costs than Luminor)&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Immediate needs:<\/strong>&nbsp;Open Wise Business or Revolut Business account (no Estonia visit,&nbsp;1\u20137-day&nbsp;approval, \u20ac0-25\/month)&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Save your \u20ac1,000-2,500 application fee, 6-10 weeks of time, and significant frustration by pursuing&nbsp;appropriate banking&nbsp;alternatives from the outset.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Next Steps:<\/strong>&nbsp;<a href=\"https:\/\/helvetios.com\/ru\/\">Contact&nbsp;Helvetios&nbsp;<\/a>for honest assessment of&nbsp;optimal&nbsp;banking strategy for your specific Estonian business circumstances.&nbsp;We&#8217;ll&nbsp;recommend the solution that&nbsp;actually works&nbsp;for your situation rather than directing you toward expensive, low-probability applications.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>What is Luminor Bank AS?&nbsp; Luminor Bank AS&nbsp;operates&nbsp;as Estonia&#8217;s largest bank by total assets and holds the third-largest position across the Baltic region. Headquartered in Tallinn, Estonia, the institution&nbsp;emerged&nbsp;from the 2017 merger of the Baltic operations of two major Scandinavian banks: Nordea Bank and DNB Bank.&nbsp; Luminor Estonia key statistics (2024-2025):&nbsp; The bank was officially [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[29,34],"tags":[49,35],"class_list":["post-4275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-estonia","tag-banking-payments","tag-estonia"],"acf":[],"_links":{"self":[{"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/posts\/4275","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/comments?post=4275"}],"version-history":[{"count":2,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/posts\/4275\/revisions"}],"predecessor-version":[{"id":6276,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/posts\/4275\/revisions\/6276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/media\/4276"}],"wp:attachment":[{"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/media?parent=4275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/categories?post=4275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helvetios.com\/ru\/wp-json\/wp\/v2\/tags?post=4275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}