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Information related to the emergency situation

Due to the spread of Coronavirus, Estonia has declared an emergency situation. As a provider of vital services, we at LHV continue our work and do our best to ensure that you can also conveniently use the banking services at this present time.

As a customer of LHV, you may make nearly all banking operations without leaving your home using the mobile app or Internet Bank.

Daily banking

Our Tallinn and Tartu branch offices are operating as usual, however we ask you to only visit a branch office in case of emergency and when you are healthy, to protect the health of yourself as well as the service attendants. We recommend using electronic service channels for your daily banking operations. The e-mail address of customer support is info@lhv.ee and the phone number is 6 800 400. Additionally, you can contact us using the real-time chat.

All customer support contacts are available on our homepage

First and foremost, we provide the service to customers by phone and e-mail. We answer the 24h customer support line 6 800 400 and will be happy to support you. Do not worry if your call is not answered immediately. We will return your call or contact you by e-mail. The time of responding to contacts may be longer than usual.

All bankcards are functioning as usual.

Bankcard payments are operating as usual. The safest way is not to touch the terminal, but use contactless payments. Starting from March 23 until the end of the emergency, the limit for contactless payment will be € 50, meaning you do not have to enter your PIN until you reach that amount. If it is still not possible to avoid entering the PIN, we recommend cleaning your hands immediately afterwards. Bankcards should be cleaned using an antiseptic, as you most probably often use these in public places.

You can order a new bankcard via mobile app or Internet Bank. At the moment, we ask you to choose ordering a bankcard to your home address.

All LHV’s ATMs are functioning as usual, however we recommend paying by using electronic means of payment instead.

Although the ATMs are cleaned regularly, it is not possible after servicing each customer. Accordingly, we advise you to wash or disinfect your hands after using the ATM or handling cash. The risk of spreading the virus can also be reduced by using gloves.

All payments move as usual. We urge you to use electronic channels – mobile app or Internet Bank – for forwarding your payment orders. In case of need, you can change the payment limits in Internet Bank. With instant payment, the money/transfer will reach another bank (Swedbank, SEB; Coop) immediately.

LHV stockbrokers are usually open from 9 am to 10 pm during market opening hours. All transaction orders executed through the Internet Bank or client office will be executed in chronological order, however, in the event of certain market events, it should be kept in mind that last-minute transactions may not be executed on the same trading day.

LHV Trader and LHV Broker money transfers are made as usual, i.e. once an hour, until 5 p.m.

Loans, leases and hire-purchase

Due to the emergency situation, many Estonian companies and private persons are facing difficult economic choices. We are ready to offer a grace period to private as well as corporate loan customers. For retail customers, formalisation of the amendment is free of charge.

If you need grace leave, please submit an application. It is important that the application for the grace period reaches us before any arrears occur.

As a result of the emergency situation, we are offering a grace period on the loan principal for home loan clients who have encountered difficulties, for up to 6 months and without amending any other terms. Formalisation of the amendment is free of charge.

If you need grace leave, please submit an application.

As a result of the emergency situation, we are offering a grace period on the loan principal for home loan clients who have encountered difficulties, for up to 6 months and without amending any other terms.

It is important that the application for the grace period reaches us before any arrears occur.

If you wish to consult, you will find the contact details of your leasing client manager in LHV's mobile app or from internet bank under the detailed view of your leasing agreement.

For companies, it is possible to apply for a grace period of up to six months. The grace period can be taken on the loan principal without changing the other terms of the loan agreement. If your company needs a grace period, please contact your loan manager.

Micro loan clients are kindly requested to complete the grace period application or send us an email at mikrolaen@lhv.ee.

It is important that the application for the grace period reaches us before any arrears occur.

If you need grace leave, please submit an application.

It is important that the application for the grace period reaches us before any arrears occur.

Due to the emergency situation, we are offering a grace period to consumer loan and hire-purchase clients who have encountered difficulties, for a period of up to six months as an exception. The grace period can be taken on the loan principal.

Formalisation of the amendment is free of charge.

All cases will be handled following the effective terms and conditions. We deem it to be an insured event, if it entails an unwanted loss of job or sickness lasting for more than 30 days. However, a lay-off or suspension of an employment contract, as well as a certificate for care leave are not insured events. For more detailed information or for registering an insured event, write to finance@lhv.ee.

Travel insurance

Travel insurance of LHV bankcards is provided by If Kindlustus. If the trip is cancelled due to an epidemic, the travel insurance does not cover any damages. We therefore recommend that you contact your airline or shipping company regarding any cancellation or reimbursement of your cancelled flight or ferry ticket.

While abroad, when an outbreak or emergency situation is declared in the destination or transit area of the trip, If will compensate additional cost of transportation and accommodation related to returning to Estonia in accordance to travel insurance (Travel interruption due to evacuation). Read more about the terms and conditions of insurance on the homepage of If.

We would like to draw your attention to the fact that in connection with the period of spreading of viruses, the offices of If Kindlustus are closed to visitors from 16 March. Answers to your questions can be still obtained on the homepage of If at www.if.ee, or by calling the insurance line on +372 777 1211 or writing to info@if.ee.

Security

During this crisis, phishing e-mails also spread more actively than usual, which is why customers should take extra care when carrying out their banking operations on the internet and do all they can to identify potential scams.

LHV never forwards their customers references to the homepage via text messages. If you have received a phishing text message or a suspicious e-mail, inform us at the address info@lhv.ee or security@lhv.ee.

When logging in to Internet Bank, always make sure that it is the official channel of LHV. This is indicated by the proper URL with functioning links and an appropriate page as well as the small green padlock symbol on the address line of the web browser. The homepage address of LHV always begins with https://www.lhv.ee/ or https://api.lhv.eu/psd2...

Please keep in mind that PIN 2 of a Smart-ID and Mobile-ID is used for signing agreements and confirming payments only. LHV never asks for PIN 2 for logging in to Internet Bank.

Please see whether you have appropriate limits for your Internet Bank. Do not keep limits too high, as you can always change their size, if necessary.

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