Luminor API
🇪🇪 Estonia · 🇱🇻 Latvia · 🇱🇹 Lithuania
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Luminor exposes an open banking API built on the Berlin Group NextGenPSD2 standard, covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). We have not recorded any premium APIs beyond the regulated PSD2 baseline.
Access uses OAuth 2.0 with redirect SCA, over a REST interface. A self-service sandbox lets you build and test before you apply for production access.
The API is offered in Estonia, Latvia and Lithuania. BankSnipe rates Luminor's API maturity 4/5 (Established), last reviewed 22 Jun 2026.
Overview
- API standard
- Berlin Group NextGenPSD2
- API style
- REST
- Authentication
- OAuth 2.0 · SCA: redirect
- Sandbox
- Available (self-service)
- Last reviewed
- 22 Jun 2026 · 2 months ago
Products
Maturity signals
- Account info (AIS)
- Payment initiation (PIS)
- Confirmation of funds (CBPII)
- Premium / beyond-PSD2 APIs
Links
- Website
- https://www.luminor.ee
- Developer portal
- https://developer.luminoropenbanking.com
Markets
Where this API is offered. Cells that differ from the bank's headline offering are marked ●.
| Country | Standard | Products | Sandbox | Notes |
|---|---|---|---|---|
| 🇪🇪 Estonia | Berlin Group NextGenPSD2 | AIS, PIS, CBPII | Yes | |
| 🇱🇻 Latvia | Berlin Group NextGenPSD2 | AIS, PIS, CBPII | Yes | |
| 🇱🇹 Lithuania | Berlin Group NextGenPSD2 | AIS, PIS, CBPII | Yes |
Notes
Luminor, the third-largest bank across the Baltics, runs a single open-banking developer portal covering Estonia, Latvia and Lithuania with Berlin Group PSD2 APIs for accounts, payments and cards, plus a self-service sandbox.
Luminor API: frequently asked questions
Does Luminor have a public API?
Yes. Luminor publishes regulated PSD2 open banking APIs covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). Registration and documentation live on its developer portal at https://developer.luminoropenbanking.com.
Does Luminor offer an API sandbox?
Yes. The sandbox is self-service, so you can sign up and start calling it without a commercial agreement in place.
Which open banking standard does the Luminor API use?
Berlin Group NextGenPSD2: the most widely used European open-banking API standard. Two banks on the same standard can still differ in the details, so read the bank's own documentation before you build.
How do you authenticate with the Luminor API?
OAuth 2.0, with redirect SCA for the customer consent step. Production access to the regulated endpoints also means registering as a licensed third-party provider with the bank.
Does Luminor offer premium APIs beyond PSD2?
Not that we have recorded. Luminor's listing covers the regulated PSD2 baseline only.
Which countries does the Luminor API cover?
Estonia, Latvia and Lithuania.
Is the Luminor API free to use?
Banks generally do not charge licensed third-party providers for the regulated open banking endpoints, which is the point of the mandate. Premium APIs above that baseline are commercial products priced by the bank. BankSnipe does not track pricing, so confirm it with the bank.
How mature is the Luminor API?
BankSnipe scores it 4 out of 5 (Established). The score counts how many of the four product signals are live: AIS, PIS, CBPII and premium APIs beyond the regulated PSD2 baseline.