Comparison

LHV vs Luminor Bloom

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

LHV

Manage your personal and business finances with this mobile banking app. Open accounts, make payments, order cards, apply for loans, and invest. Receive timely notifications for important financial events.

Highlights
  • Account opening
  • Payment processing
  • Card management
  • Loan and lease applications
  • Investment options
  • Pension management
  • Customizable notifications
Features
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LHV mobiilipank • Erakliendi ja ärikliendi konto avamine Smart-ID ja Mobiil-ID-ga • Maksete teostamine • Pangakaardid – tellimine, blokeerimine, limiitide haldamine ja Apple Pay • E-arved • Ootel maksed • Konto väljavõte • Laenude ja liisingu taotlemine • Investeerimine • Pensioni ülevaade ja II ning III sambaga liitumine • Meeldetuletused laekunud makse, aeguva kaardi ja täituva limiidi kohta • Kontaktandmed, sularahaautomaatide asukohad LHV mobile bank • Open an account for private and business clients with Smart-ID or Mobile-ID • Bank cards – ordering, blocking and limits management • Payments • E-invoices • Pending payments • Statement • Loan and lease applications • Investing • Pension overview, joining the II and III pension pillar • Notifications for incoming transactions, expiring cards and reaching the daily/monthly limit • Contact details, locations of ATM’s

About

Luminor Bloom

This app offers a digital payment card and banking services for everyday use. It provides cashback on purchases at specific retailers and allows for free euro payments and cash withdrawals. Enjoy secure online and in-store transactions with full control via the app.

Highlights
  • Digital payment card
  • Cashback on Rimi purchases
  • Free euro payments
  • Free cash withdrawals
  • Secure online payments
  • Card management via app
Features
Read full description

EN: Luminor Bloom makes everyday banking more rewarding. Earn 3% cashback on purchases at Rimi stores (including e-store) across the Baltics. Track your cashback balance in the app and see how much you have earned throughout the month. Luminor Bloom is available even if you currently bank elsewhere – simply download the app, open a free account remotely with Smart-ID or Mobile-ID, and start using your digital Luminor Bloom card right away. There are no monthly fees for your account or digital card, and everyday payments and cash withdrawals at Luminor ATMs across the Baltics are completely free too! More benefits and services are on the way. More information: http://bloom.luminor.ee , http://bloom.luminor.lv and http://bloom.luminor.lt Luminor Bloom is developed by Luminor Bank AS (VAT: EE101097527) LT: Kasdieniai atsiskaitymai su „Luminor Bloom“ kortele gali būti naudingesni. Gauk 3 % premiją už pirkinius „Rimi“ parduotuvėse ir e. parduotuvėje Baltijos šalyse. Programėlėje lengvai stebėk, kiek premijos sukaupei šį mėnesį. Naudotis „Luminor Bloom“ gali ir turėdamas sąskaitą kitame banke – atsisiųsk programėlę, nuotoliniu būdu atsidaryk nemokamą sąskaitą su „Smart-ID“ arba „Mobile-ID“ ir iš karto pradėk naudotis skaitmenine „Luminor Bloom“ kortele. Nemokama sąskaita ir skaitmeninė kortelė be mėnesinio mokesčio. Mokėjimai ir grynųjų pinigų išėmimas „Luminor“ bankomatuose Baltijos šalyse taip pat yra nemokami. Netrukus pasiūlysime dar daugiau naudų ir paslaugų. Daugiau informacijos: Luminor Bloom – kaart, millega võid raha teenida , Luminor Bloom bezmaksas bankas karte ar naudas atmaksu ir „Luminor Bloom“ nemokama virtuali kortelė su cashback „Luminor Bloom“ kuria „Luminor Bank AS“ (PVM kodas: EE101097527). LV: Luminor Bloom ļauj Tev iegūt vairāk no ikdienas bankas pakalpojumiem. Saņem 3 % ieguvumu no pirkumiem par katru maksājumu ar karti Rimi veikalos un e-veikalā visā Baltijā. Lietotnē Tu vari ērti sekot līdzi kopējam ieguvumu uzkrājumam, kā arī apskatīt ieguvumu no katra atsevišķā pirkuma. Luminor Bloom karte ir pieejama arī tad, ja pašlaik izmanto citas bankas pakalpojumus. Lejupielādē lietotni, attālināti atver bezmaksas kontu ar Smart-ID vai Mobile ID un sāc lietot savu digitālo Luminor Bloom karti uzreiz. Par kontu un digitālo karti nav jāmaksā mēneša maksa, turklāt ikdienas maksājumi un skaidras naudas izņemšana Luminor bankomātos visā Baltijā arī ir bez maksas! Drīzumā piedāvāsim vēl vairāk priekšrocību un pakalpojumu. Vairāk informācijas: http://bloom.luminor.lv, http://bloom.luminor.ee un http://bloom.luminor.lt. Luminor Bloom izstrādājusi Luminor Bank AS (PVN: EE101097527) EE: Luminor Bloom pakub igapäevapangandust koos eelistega. Teeni 3% ostupreemiat oma ostudelt Rimi kauplustes ja e-poes Balti riikides. Jälgi äpis ostupreemia kasvu ning vaata, kui palju oled kuu jooksul teeninud. Luminor Bloom on Sulle saadaval ka siis, kui kasutad praegu mõne teise panga teenuseid. Laadi lihtsalt äpp alla, ava tasuta konto Smart-ID või Mobiil-ID-ga ning hakka digitaalset Luminor Bloom kaarti kohe kasutama. Konto ja digitaalne kaart on kuutasudeta. Lisaks on tasuta igapäevased maksed ning sularaha väljavõtmine Luminori automaatidest Balti riikides. Tulekul on teisigi eeliseid ja teenuseid. Lisainfo: http://bloom.luminor.ee, http://bloom.luminor.lv ja http://bloom.luminor.lt Luminor Bloomi arendab Luminor Bank AS (KMKR nr EE101097527)

Screenshots

LHV4 screens
Luminor Bloom4 screens

Verdict

The call

The clearest difference is rating: Luminor Bloom at 5.0 against LHV's 4.3. LHV's advantage is ratings volume (12 vs 1) and iOS requirement (16.1 vs 18.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Luminor Bloom holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: LHV has 12 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

LHV ships an update weekly, Luminor Bloom every 10 days. The most recent releases landed on September 21, 2026 and September 25, 2026 respectively.

Scorecard3 real differences · 7 level
LHV versus Luminor Bloom: the parameters behind the verdict, then further details
ParameterLHVLuminor Bloom
PriceFreeFree
Rating4.3 (12 ratings)5.0 (1 ratings) — better
Positive reviews41.2% of reviews—
Number of ratings12 — better1
Update frequencyWeekly — betterEvery 10 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS16.1 — better18.0
Further details — not scored
Size258 MB80 MB
Age rating4+17+
DeveloperAS LHV PankLuminor Bank AB

Customer experience

LHV

All ratings12 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews17 reviews
Positive41.2%
Neutral5.9%
Negative52.9%

Luminor Bloom

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

LHV

No in-app purchases

None

Luminor Bloom

No in-app purchases

Questions

Is LHV free?
LHV is free to download, with no in-app purchases.
Is Luminor Bloom free?
Luminor Bloom is free to download, with no in-app purchases.
Which has better reviews, LHV or Luminor Bloom?
Luminor Bloom is rated higher. LHV averages 4.3 out of 5 from 12 ratings, while Luminor Bloom averages 5.0 from 1 ratings.
Do LHV or Luminor Bloom have ads?
Neither LHV nor Luminor Bloom shows ads.
Which is updated more often, LHV or Luminor Bloom?
LHV ships an update weekly, and Luminor Bloom every 10 days. Most recently, LHV was updated on September 21, 2026 and Luminor Bloom on September 25, 2026.

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