Home Loan

For Savings, Current Account and Offshore Accounts your available balance is real-time and will change throughout the day based on your activities. For Time Deposit and Consumer Loan Accounts, balances are based on the previous day's balances.

Using the current security technologies and processes, Lumturia Bank assures its clients of the confidentiality and privacy of their online banking sessions. Lumturia Bank Internet Banking security uses: Authentication - Authentication ensures that only authorized users can access the Lumturia Bank Internet Banking system by verifying the identity of the user. This is enforced through the use of a User Name and Password.
Network Security – Lumturia Bank uses a firewall to protect its Internet banking servers from unauthorized Internet access.
A firewall is a combination of systems that enforces a boundary between the Internet and the bank's network, while blocking out all unwanted access.
Encryption - Encryption converts data on the system to a format that is unreadable by anyone who does not have the proper authorization.
Currently, Lumturia Bank Internet Banking uses 128-bit Secure Sockets Layer (SSL) to secure all banking transactions. 128-bit encryption means that there are 2128 - or 3.4 with 38 zeros after it - possible combinations that could access your account information but only one that works for each online banking session. Automatic Log-out - Lumturia Bank Internet Banking automatically logs you out of the system if it detects no user activity for a fixed number of minutes.
This protects your accounts from being accessed by the next PC user, especially when using a public or shared computer. Password strength – an on-screen meter that indicates the strength of your nominated password.

A One-Time Password is a unique 6-character code that will be sent via SMS to your registered mobile number when you login to Lumturia Bank Online Banking. After entering your Lumturia Bank Online Banking user ID and password, you will also be required to enter the OTP to complete the login process.

Wire Transfer request is a service request that permits the transfer of US Dollar funds from your Lumturia Bank US Dollar Savings Accounts to accounts in local and offshore banks. This transaction only requests the Wire Transfer. The actual transfer of funds must be processed by a Lumturia Bank personnel and the beneficiary bank receiving the wire transfer. Wire transfer is available only via Lumturia Bank Internet Banking.