All LHV cards are contactless cards
You can get the contactless card both as a debit card or a credit card.
Purchases up to 25 € without entering your PIN
The contactless payment card can be used to make purchases of up to 25 € without inserting the card into the payment terminal or entering your PIN. Simply place your card near a payment terminal with a contactless payment sign. Contactless payments are made as one-time payments and only when the card is in the immediate vicinity of the payment terminal.
Faster and more convenient
Contactless technology makes small purchases more convenient and saves the total time spent on making the payment. This means that contactless payments benefit both the card user and the vendor.
Cash may be withdrawn contactlessly.
You can use your LHV contactless card to withdraw cash from LHV’s ATMs contactlessly. For this, place your contactless card in the area marked on the automated machine and follow the instructions displayed on the screen.
Pay in Estonia and abroad
Contactless payments can be used anywhere you see the contactless payment sign. You can use your LHV contactless card to pay both in Estonia and abroad. Abroad, a local limit applies to the contactless payment amount.
Configure your card in the Internet Bank or Mobile Bank
Contactless payment limits can be set and, if desired, disabled in the Internet or Mobile Bank.
Frequently asked questions
A contactless payment is a payment made using a bank card that you only need to wave above a payment terminal, without entering the PIN code. In Estonia, contactless payments can be used for purchases of up to 25 €. Contactless payments are made using contactless technology (near-field communication, NFC), which has already found wide-spread use around the world.
The bank card can be used like a regular card, but purchases up to 25 € can be paid for by simply waving the card. Card terminals supporting contactless payments can be identified by their respective sign. To make a contactless payment, you simply need to wave the card near the terminal and the transaction is concluded. The payment terminal will also display instructions and information about whether the payment was successful. For a purchase over 25 €, payment with a contactless card has to be made the old way: insert your card into the terminal and enter your PIN.
Estonian banks and vendors will adopt the contactless payment option gradually: compatible payment terminals are being added weekly. They can be identified by the respective sign.
Contactless payments can be made if it has been enabled for the card and the card’s daily and monthly limit is sufficient. There is also a maximum limit set for contactless transactions in the payment terminals. Each country where contactless payments can be used has set their own limit for transactions, which differs by country. In Estonia, it is 25 €.
This is a limit agreed upon by the banks operating in Estonia.
Yes, all the operations can be carried out like before. The only difference is that the contactless payment option has been added to the card to make paying for smaller purchases faster and more convenient. For all purchases exceeding 25 €, in Estonia you still need to insert the card into the payment terminal and verify the payment with your PIN code.
Yes, you can also use your LHV contactless card to withdraw cash contact free from LHV’s ATMs. To do so, place your contactless card in the area marked on the automated machine and follow the instructions displayed on the screen. Up to 1000 € may be withdrawn in cash in one withdrawal.
Each contactless payment transaction is protected with a unique cryptogram. This ensures that a transaction is concluded only when the vendor has initiated it and the card is in the immediate vicinity of the terminal (up to 2 cm). Contactless payment limits can be set and, if desired, disabled in the Internet or Mobile Bank.
In case of loss or theft, block the card in LHV’s Mobile Bank immediately and contact LHV’s client support to have the card closed. You can also disable the contactless payment capability in the Mobile and Internet Bank or set small limits for both the daily and monthly payments.
Yes, you can. We also advise you to keep the limits as small as possible. All the enabled operations can be disabled and enabled again in the Internet and Mobile Bank.
Always consider your credit decisions carefully. Take a look at the terms and conditions at lhv.ee/pangakaardid and consult our specialist.
The annual percentage rate of the credit card is 21.72% on the following sample conditions: limit 500 €, annual interest 18% (fixed), monthly fee for the card 1 €, interest-free period of 22 days, repayment sum 553 €, and on the assumption that the limit will be taken into use immediately and in full and is repaid during the year in equal monthly instalments.