---
title: "Luminor Bank AS SWIFT/BIC code RIKOEE22XXX · Estonia | Elucidate"
description: "Significant institution directly supervised by the ECB. SWIFT/BIC code RIKOEE22XXX for Luminor Bank AS, Estonia. 2 branch BICs, LEI 213800JD2L89GGG7LF07."
url: https://elucidate.co/directory/luminor-bank-as-rikoee22
---

1.  [Directory](https://elucidate.co/directory)
2.  [Estonia](https://elucidate.co/directory/country/ee)
3.  Luminor Bank AS

![Luminor logo](https://elucidate.co/images/banks/c7/c70a8735043afc5a.webp)

Estonia · Credit institution

# Luminor Bank AS

Luminor Bank AS is a credit institution registered in Estonia. Its head office is in Tallinn and it has branches in Latvia and Lithuania. Its parent company is Luminor Holding AS, which is owned by a consortium of private equity funds managed by Blackstone (80.05%) and by DNB Bank (19.95%). The bank provides retail and corporate banking, leasing and pension services in the three Baltic states. It was established in 2017 from the Baltic operations of Nordea and DNB. On 20 July 2026 OTP Bank agreed to acquire Luminor Holding, subject to regulatory approvals.

ECB · Single Supervisory Mechanism

Directly supervised by the ECB

National economic importance (quantitative assessment - GDP)

Group: Luminor Holding AS

BIC **RIKOEE22XXX** LEI **[213800JD2L89GGG7LF07](https://search.gleif.org/#/record/213800JD2L89GGG7LF07)** Licence no. **Not on a tracked register** Reverse billing [ECB significant institution](https://elucidate.co/directory/luminor-bank-as-rikoee22#regulatory) Market operator · MIC **LMNR** [**2** branch codes](https://elucidate.co/directory/luminor-bank-as-rikoee22#branches) [**8** correspondent accounts](https://elucidate.co/directory/luminor-bank-as-rikoee22#correspondents) [Group: Luminor Holding AS](https://elucidate.co/directory/group/213800RZWHE5EUX9R444) [Claim this profile](https://elucidate.co/directory/luminor-bank-as-rikoee22#claim)

## Licences and registrations

Matched by LEI on the 22 tracked registers

None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/luminor-bank-as-rikoee22#regulatory)): that is banking supervision, not a licence on a tracked register.

-   The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.

## Regulatory status

### ECB banking supervision

List of supervised entities as of 2026-07-01

- **Classification:** Significant institution
- **Supervisor:** European Central Bank (direct supervision)
- **Listed as:** Luminor Bank AS
- **Entity type:** Credit institution
- **Supervised group (ECB):** Luminor Holding AS
- **Why significant:** National economic importance (quantitative assessment - GDP)

## European registers

### ECB · monetary financial institutions

List as at 2026-09-25

- **Category:** Credit institution
- **Minimum reserves:** Subject to minimum reserves
- **Listed as:** Luminor Bank AS
- **RIAD code:** EE11315936

### ESMA · MiFID II register

Register as at 2026-09-28

| Entry | Competent authority | Authorised | Services or instruments |
| --- | --- | --- | --- |
| Investment services (MiFID II) | Estonian Financial Supervision Authority (EFSA) | 2017-08-29 | A1 A2 A3 A4 A5 A6 A7 B1 B2 B3 B4 B5 B6 B7 |

Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.

Entries are matched on the LEI. Each register is quoted as its publisher lists it.

## Swift network

Swift’s ISO 9362 BIC directory

- **BIC:** RIKOEE22XXX head office
- **Connection to Swift:** Reverse billing
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · VOP · T2 · TIPS](https://elucidate.co/directory/luminor-bank-as-rikoee22#schemes)
- **Branch codes:** [2 branch codes](https://elucidate.co/directory/luminor-bank-as-rikoee22#branches)
- **Other BICs with this LEI:** [RIKOLV2X](https://elucidate.co/directory/luminor-bank-as-latvian-branch-rikolv2x) · [AGBLLT2X](https://elucidate.co/directory/luminor-bank-as-lithuanian-branch-agbllt2x)
- **BIC first registered:** 2005-12-03
- **Last updated:** 2026-05-14

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/luminor-bank-as-rikoee22#overview-sources)

Total assets

EUR 16.8bn

Group · 30 Jun 2026 · [interim report ↗](https://www.luminor.lv/sites/default/files/docs/finansu_parskati/luminor_bank_interim_report_2q26.pdf)

Employees

Not published

Ownership

Group subsidiary

100% Luminor Holding AS

Institution type

Universal bank

Trades as Luminor

- **Standing:** On 20 July 2026 OTP Bank signed an agreement to acquire 100% of Luminor Holding AS, the bank's parent company. Completion is subject to regulatory approvals.
- **Ownership:** Luminor Holding AS is the bank's sole shareholder, and it is owned by Blackstone-managed private equity funds (80.05%) and DNB Bank (19.95%).
- **Direct parent:** [Luminor Holding AS ↗](https://search.gleif.org/#/record/213800RZWHE5EUX9R444), Estonia 100%
- **Ultimate owner:** Consortium of private equity funds managed by Blackstone (80.05% of Luminor Holding AS), United States
- **Head office:** Liivalaia 45, 10145 Tallinn, Estonia
- **Company register:** 11315936, Estonian Commercial Register (Äriregister)
- **Former name:** Aktsiaselts DNB Pank

### Business lines

-   Retail banking
-   Corporate banking
-   Mortgage lending
-   SME banking
-   Leasing & factoring
-   Consumer finance
-   Cards
-   Trade finance
-   Private banking & wealth
-   Asset management

The bank serves individuals and companies in Estonia, Latvia and Lithuania through Retail Banking and Corporate Banking. Subsidiaries provide leasing, pension fund management and e-commerce payments.

### Online

- **Websites & references:** [luminor.ee ↗](https://www.luminor.ee/) [luminor.lv ↗](https://www.luminor.lv/) Latvian branch site [luminor.lt ↗](https://www.luminor.lt/) Lithuanian branch site [Wikipedia ↗](https://en.wikipedia.org/wiki/Luminor_Bank) [Wikidata Q28966957 ↗](https://www.wikidata.org/wiki/Q28966957)
- **Official social accounts:** None found

Sources · 12 pages consulted

1.  [luminor.lv/sites/default/files/docs/finansu\_parskati/luminor\_bank\_interim\_report\_2q26.pdf](https://www.luminor.lv/sites/default/files/docs/finansu_parskati/luminor_bank_interim_report_2q26.pdf)
2.  [luminor.lv/en/governance-and-management](https://www.luminor.lv/en/governance-and-management)
3.  [luminor.lv/en/correspondent-banks](https://www.luminor.lv/en/correspondent-banks)
4.  [luminor.lv/en/financial-reports](https://www.luminor.lv/en/financial-reports)
5.  [luminor.ee/investors](https://luminor.ee/investors)
6.  [otpgroup.info/news/new-chapter-in-baltic-financial-markets](https://www.otpgroup.info/news/new-chapter-in-baltic-financial-markets)
7.  [luminor.lt/en/news/otp-bank-acquire-luminor-opening-new-chapter-baltic-financial-markets](https://www.luminor.lt/en/news/otp-bank-acquire-luminor-opening-new-chapter-baltic-financial-markets)
8.  [luminor.lv/en/news/luminor-appoints-karl-von-rohr-chair-its-supervisory-councils](https://www.luminor.lv/en/news/luminor-appoints-karl-von-rohr-chair-its-supervisory-councils)
9.  [luminor.ee/s3fs-public/documents/luminor-bank-annual-report-2025.pdf](https://luminor.ee/s3fs-public/documents/luminor-bank-annual-report-2025.pdf)
10.  [luminor.lv/en](https://www.luminor.lv/en)
11.  [luminor.ee](https://www.luminor.ee/)
12.  [en.wikipedia.org/wiki/Luminor\_Bank](https://en.wikipedia.org/wiki/Luminor_Bank)

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/luminor-bank-as-rikoee22#overview-sources)

- **Chief executive:** Wojciech Sass Chair of the Management Board and Chief Executive Officer Confirmed 29 Sep 2026 · [luminor.lv ↗](https://www.luminor.lv/en/governance-and-management)
- **Chair:** Karl von Rohr Chair of the Supervisory Council Confirmed 29 Sep 2026 · [luminor.lv ↗](https://www.luminor.lv/en/governance-and-management)
- **Chief financial officer:** Johannes Proksch Chief Financial Officer Confirmed 29 Sep 2026 · [luminor.lv ↗](https://www.luminor.lv/en/governance-and-management)
- **Executive:** Mari Mõis Chief Compliance Officer (also Chief Executive of Luminor Holding AS) Confirmed 29 Sep 2026 · [luminor.lv ↗](https://www.luminor.lv/en/governance-and-management)
- **Executive:** Diego Biondo Chief Risk Officer Confirmed 29 Sep 2026 · [luminor.lv ↗](https://www.luminor.lv/en/governance-and-management)

## Supervisors & regulators

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/luminor-bank-as-rikoee22#overview-sources)

- **European Union:** European Central Bank Prudential supervisor
- **Estonia:** Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Prudential supervisor AML supervisor Conduct Resolution
- **Estonia:** Eesti Pank Central bank
- **European Union:** Single Resolution Board Resolution

## Recent events

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/luminor-bank-as-rikoee22#overview-sources)

1.  Jul 2026

    Merger / acquisition

    OTP Bank signed an agreement to acquire 100% of Luminor Holding AS from Blackstone-managed funds and DNB Bank, subject to regulatory approvals.

    [otpgroup.info ↗](https://www.otpgroup.info/news/new-chapter-in-baltic-financial-markets)

2.  Jul 2026

    Other

    The ECB approved a reduction of the bank's CET1 capital by EUR 200 million, which the bank expects to carry out in late 2026.

    [luminor.lv ↗](https://www.luminor.lv/sites/default/files/docs/finansu_parskati/luminor_bank_interim_report_2q26.pdf)

3.  Jan 2026

    Leadership

    Karl von Rohr succeeded Nils Melngailis as Chair of the Supervisory Councils of Luminor Bank and Luminor Holding.

    [luminor.lv ↗](https://www.luminor.lv/en/news/luminor-appoints-karl-von-rohr-chair-its-supervisory-councils)

Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.

## Identifiers

Head-office record

- **BIC:** RIKOEE22XXX
- **How the BIC breaks down:** 1. RIKO Bank 2. EE Country · Estonia 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 213800JD2L89GGG7LF07
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/213800JD2L89GGG7LF07)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- **National bank code:** [IBAN tunnuskood (bank code) 17 + 1 more](https://elucidate.co/directory/luminor-bank-as-rikoee22#bank-codes)

## Profile

- **Type:** Credit institution
- **Regulation:** Prudentially supervised (ECB list)
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** Estonia · Europe & Central Asia
- **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/luminor-bank-as-rikoee22#regulatory) as of 2026-07-01
- **Trading venues (MIC):** [Operates MIC LMNR](https://elucidate.co/directory/luminor-bank-as-rikoee22#markets) list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
- **Founded:** 2017

Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.

## Ownership and group

GLEIF relationship records

- **Direct parent:** Luminor Holding AS · Estonia[213800RZWHE5EUX9R444 ↗](https://search.gleif.org/#/record/213800RZWHE5EUX9R444)

The Luminor Holding AS group has 4 institutions in the directory, in 3 countries: 3 hold a BIC and 1 does not.

Including [Maksekeskus AS](https://elucidate.co/directory/maksekeskus-as-5da2dc1ddcd9).

[See the Luminor Holding AS group →](https://elucidate.co/directory/group/213800RZWHE5EUX9R444)

Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.

## Addresses

- **Registered address:** 45,LIIVALAIA TALLINN 10145 ESTONIA
- **Operational address:** LIIVALAIA 45 TALLINN 10145 TALLINN ESTONIA

## ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.

- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents

### CBPR+

For cross-border payments on Swift: the BIC, with the LEI and clearing code where known

```xml
<FinInstnId>
  <BICFI>RIKOEE22XXX</BICFI>
  <LEI>213800JD2L89GGG7LF07</LEI>
</FinInstnId>
```

### Full record

Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC

```xml
<FinInstnId>
  <BICFI>RIKOEE22XXX</BICFI>
  <LEI>213800JD2L89GGG7LF07</LEI>
  <Nm>LUMINOR BANK AS</Nm>
  <PstlAdr>
    <TwnNm>TALLINN</TwnNm>
    <Ctry>EE</Ctry>
    <AdrLine>45, LIIVALAIA TALLINN 10145</AdrLine>
  </PstlAdr>
</FinInstnId>
```

The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.

## Payment schemes and systems

EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28

| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2009-12-08 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2021-08-31 | Head office | — |
| Verification of Payee | 2025-10-05 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |

SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.

An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.

“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.

## Market identifiers

One trading venue or reporting service run under this LEI list of 2026-09-17

| MIC | Market | Kind | Category |
| --- | --- | --- | --- |
| LMNR | LUMINOR BANK AS | Operating MIC | Not specified |

## National bank codes

### IBAN tunnuskood (bank code) · Estonia

2 codes

| Code | Routes to BIC | Name in the national file |
| --- | --- | --- |
| 17 | RIKOEE22 | Luminor Bank AS |
| 96 | RIKOEE22 | Luminor Bank AS |

Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.

## Network

### Branches and correspondent banking

All 2 branch BICs connect to the head office. They are all in Tallinn, and no function or registration year splits them further. The bank publishes 8 accounts at other banks.

### Correspondent accounts

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/luminor-bank-as-rikoee22#overview-sources)

8 accounts at other banks and 8 routes through its own offices, in 14 currencies, as the bank publishes them: [luminor.lv ↗](https://www.luminor.lv/en/correspondent-banks) dated May 2026

| Currency | Correspondent | BIC | Account | Purpose | Directory check |
| --- | --- | --- | --- | --- | --- |
| AUD | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| CAD | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22 | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| CHF | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Citibank N.A., London (CITIGB2LXXX) | Settles directly |
| CZK | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| DKK | [Nordea Denmark, filial af Nordea Bank Abp, Finland, Copenhagen](https://elucidate.co/directory/nordea-danmark-filial-af-nordea-bank-abp-finland-ndeadkkk) Denmark | NDEADKKKXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| EUR | [Commerzbank AG, Frankfurt/Main](https://elucidate.co/directory/commerzbank-ag-cobadeff) Germany | COBADEFFXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| EUR | [UniCredit Bank AG, Munich](https://elucidate.co/directory/unicredit-bank-gmbh-hyvedemm) Germany | HYVEDEMMXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| GBP | [National Westminster Bank, London](https://elucidate.co/directory/national-westminster-bank-plc-nwbkgb2l) United Kingdom | NWBKGB2LXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| HUF | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| JPY | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| NOK | [DNB Bank ASA, Oslo](https://elucidate.co/directory/dnb-bank-asa-dnbanokk) Norway | DNBANOKKXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| PLN | [Powszechna Kasa Oszczednosci Bank Polski S.A., Warsaw](https://elucidate.co/directory/powszechna-kasa-oszczednosci-bank-polski-spolka-akcyjna-bpkoplpw) Poland | BPKOPLPWXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| PLN | [Bank Polska Kasa Opieki Spółka Akcyjna (Bank Pekao S.A.), Warsaw](https://elucidate.co/directory/bank-polska-kasa-opieki-sa-pkopplpw) Poland | PKOPPLPWXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| RON | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Commerzbank AG, Frankfurt am Main (COBADEFFXXX) | Settles directly |
| SEK | [Nordea Bank Abp, filial i Sverige, Stockholm](https://elucidate.co/directory/nordea-bank-abp-filial-i-sverige-ndeasess) Sweden | NDEASESSXXX | — | Latvian branch (RIKOLV2X) direct correspondent | Matches the Swift directory |
| USD | [Luminor Bank AS, Tallinn](https://elucidate.co/directory/luminor-bank-as-rikoee22) Estonia | RIKOEE22XXX | — | Latvian branch routing via head office; intermediary Citibank N.A., New York (CITIUS33XXX) | Settles directly |

The page is titled 'RIKOLV2X Correspondent Banks' and shows the correspondents used by the bank's Latvian branch (BIC RIKOLV2X). It lists the currency, the direct correspondent with its BIC and any intermediary with its BIC. It gives no account numbers. For AUD, CAD, CHF, CZK, HUF, JPY, RON and USD the direct correspondent is the bank's own head office in Tallinn (RIKOEE22), which is part of the same legal entity. The intermediary for those rows is recorded in purpose. EUR is also settled directly through EBA or Target2 (not an account row). The head office's own list at luminor.ee/rikoee22-en would not render and could not be extracted. The Lithuanian branch has a separate list. The page was last modified on 21 May 2026. All rows were extracted. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.

### Branch codes

| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [RIKOEE22CBC](https://elucidate.co/directory/luminor-bank-as-rikoee22-cbc) | — | Tallinn | LIIVALAIA 45 TALLINN 10145 TALLINN ESTONIA | — | 2026-05-14 |
| [RIKOEE22IPA](https://elucidate.co/directory/luminor-bank-as-rikoee22-ipa) | — | Tallinn | LIIVALAIA 45 TALLINN 10145 TALLINN ESTONIA | — | 2026-05-14 |

[See every BIC in Estonia →](https://elucidate.co/directory/country/ee#bics)

## Related institutions

### Same legal entity

-   [Luminor Bank AS Latvian Branch BIC RIKOLV2X Credit institution Prudential licence Latvia · On the ECB list of supervised entities · LEI 213800JD2L89GGG7LF07](https://elucidate.co/directory/luminor-bank-as-latvian-branch-rikolv2x)
-   [Luminor Bank AS Lithuanian Branch BIC AGBLLT2X Credit institution Prudential licence Lithuania · On the ECB list of supervised entities · LEI 213800JD2L89GGG7LF07](https://elucidate.co/directory/luminor-bank-as-lithuanian-branch-agbllt2x)

Other BICs mapped to the same LEI.

### Subsidiaries in the directory

-   [Maksekeskus AS No BIC Payments & e-money Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority · 12268475 (EBA-PSD2) · LEI 9845008SD42851GB4897](https://elucidate.co/directory/maksekeskus-as-5da2dc1ddcd9)

Entities that GLEIF records with this LEI as their direct parent.

### Largest institutions in Estonia

-   [AS Lhv Pank BIC LHVBEE22 Credit institution Crypto Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority (EFSA) · 529900GJOSVHI055QR67 (ESMA-CASP) · LEI 529900GJOSVHI055QR67](https://elucidate.co/directory/as-lhv-pank-lhvbee22)
-   [Coop Pank Aktsiaselts BIC EKRDEE22 Credit institution Prudential licence Estonia · On the ECB list of supervised entities · LEI 549300EHNXQVOI120S55](https://elucidate.co/directory/coop-pank-aktsiaselts-ekrdee22)
-   [Eesti Pank (Bank of Estonia) BIC EPBEEE2X Financial institution Not on a tracked register Estonia · Not on a tracked register · LEI 6YJ6OTG0PYO45FO7Q425](https://elucidate.co/directory/eesti-pank-bank-of-estonia-epbeee2x)
-   [Swedbank AS BIC HABAEE2X Credit institution Prudential licence Estonia · On the ECB list of supervised entities · LEI 549300PHQZ4HL15HH975](https://elucidate.co/directory/swedbank-as-habaee2x)
-   [AS SEB Pank BIC EEUHEE2X Credit institution Prudential licence Estonia · On the ECB list of supervised entities · LEI 549300ND1MQ8SNNYMJ22](https://elucidate.co/directory/as-seb-pank-eeuhee2x)
-   [Bigbank AS BIC BIGKEE2B Credit institution Prudential licence Estonia · On the ECB list of supervised entities · LEI 5493007SWCCN9S3J2748](https://elucidate.co/directory/bigbank-as-bigkee2b)
-   [Admiral Markets AS BIC ADMREE21 Financial institution Not on a tracked register Estonia · Not on a tracked register · LEI 549300QE3BN5Y1FE7M41](https://elucidate.co/directory/admiral-markets-as-admree21)
-   [Aktsiaselts Cresco Vaartpaberid BIC CRVTEE21 Financial institution Not on a tracked register Estonia · Not on a tracked register · LEI 549300F5Y4RLS5A76E46](https://elucidate.co/directory/aktsiaselts-cresco-vaartpaberid-crvtee21)

[See every BIC in Estonia →](https://elucidate.co/directory/country/ee#bics)

Claim this profile

## Work at Luminor Bank AS?

Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.

1.  01 **Submit** Tell us who you are, using your work email.
2.  02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3.  03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.

Sources & method

Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.

Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.

The sanctions facts on this page cover the BIC and its LEI only.

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

[Read the methodology →](https://elucidate.co/directory/methodology)

Credits for this page

-   **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
-   **Banking supervision**—Source: European Central Bank, list of supervised entities.
-   **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
-   **National bank codes**—Estonia (Source: Eesti Pangaliit (Estonian Banking Association)).
-   **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
-   **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
-   **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
-   **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Luminor Bank AS · Public domain · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:Luminor_logo.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/5/5c/Luminor_logo.svg/330px-Luminor_logo.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail).

## Assess the financial crime risk behind a BIC

A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.

[Book a demo](https://elucidate.co/demo-request)

Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.