Luminor review

Luminor's private customer pricing lists a monthly fee of €2.50, and the currency conversion fee is 2%. The site median is €0 for the monthly fee and 1% for conversion, so both sit above the middle.

The free ATM allowance is €600, which places Luminor at 5 of 104 brands on cash access. The site median for free withdrawals is €0, so this allowance is the part of the offer that stands out.

It is a debit card on the visa network, and the account is held with Luminor Bank AS. Spending draws on the balance in your bank account rather than a crypto holding, and the card carries a monthly fee of €2.50.

Luminor offers support on email and phone, so a card or payment query goes by email or by phone. There is no chat channel in that list, which suits people who would rather make a call than type.

Luminor is a bank account rather than a crypto platform. The account sits with Luminor Bank AS and the card is a debit card on the visa network, so it works as a payments tool for a bank balance rather than a route into digital assets.

It places 329 of 379 on the monthly fee and 151 of 237 on currency conversion. Its overall score on this comparison is 2.3, and the cost part is 2.3.

Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0, against €2.50 for Luminor. Anyone who weighs the standing charge first would look at those three before Luminor on cost.

It suits people who want a plain debit card, take out a little cash now and then, and are comfortable paying €2.50 a month for it. It is a poor match for anyone who spends in other currencies often, given the 2% conversion fee.