Features of a credit card
Price list and terms and conditions
|Monthly fee||€1 (free of charge for those 26 and under)|
From 16%, depends of the client’s credit capacity.
Interest free period of 40 days for payments, none for cash1
|Credit limit||From €300 and up to 2 months’ net income|
|Repayment of credit used|
It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the Internet Bank.
|Issuing, renewal, closing||Free of charge|
|Cash withdrawals||EUR 2 + 2.5% of the sum|
|Payment from the credit account to the current account||EUR 2 + 2.5% of the sum|
|Information request from an ATM||Free of charge at LHV ATMs From the ATMs of other Estonian banks €0.20|
If your pay has not been transferred to LHV Pank for the past six months, please submit an account statement from the bank where your pay has been transferred to date.
1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account. If the transaction from the credit account to the current account is concluded in-office, a transaction fee of EUR 2 is added.
The annual percentage rate of the private client’s credit card is 23.64% per annum on the following example conditions: credit limit €300, interest rate 18% (fixed), monthly fee of the card €1, interest-free period 32 days, repayment sum of €336, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.