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Through LHV, you can now invest directly in crypto assets

Crypto assets are a digital form of money, which has proven to be a popular complement to “real” money. Crypto assets can be used on different platforms to pay for services or simply as a store of value in the given crypto instrument.

Platforms based on crypto assets are generally structured without a central owner – they remain stable due to their decentralized customer base. For now, crypto assets acquired by clients by LHV cannot be used on platforms to pay for services or make transfers. The best known decentralized crypto asset is currently Bitcoin.

  • Customers can hold crypto assets at LHV free of charge. A 0.5% service fee applies to buy and sell.
  • Access to eight popular crypto assets
  • You can buy crypto assets both as an individual and as a company. Note that different tax rules apply in each case.
  • Crypto assets are a high-risk financial instrument, so if you are trading these assets, be aware of the risks.

LHV makes investing easy and convenient.

Access to the most popular crypto assets

Buy popular crypto assets from LHV. We support eight crypto assets, including Bitcoin and Ethereum.

Convenient transactions

You can purchase LHV-supported crypto assets in the "Investing" section of the mobile app. Select "Purchase crypto assets" there and enter the desired asset and the amount.

24/7 transactions

You can trade crypto assets any time and day of the week. Transactions are executed immediately.

Low transaction fees

Buying and selling small amounts of crypto assets is cost-effective. While transaction fees on larger platforms can be up to 10% of the transaction amount, LHV's transaction fee is 0.5% regardless of the amount.

See the price list.

Fractional buying and selling

You can also buy crypto assets in fractions of units. The minimum buy order is 20 euros and minimum sell order is 10 euros.

Send tax information easily

For individual investors who have acquired crypto assets, income tax returns are easy, because we display your capital gains by each instrument. You no longer have to report each transaction to the tax office separately. Instead, you can declare your gains for each instrument.

Read more about taxation of crypto transactions.

Crypto assets

Bitcoin is a digital decentralized virtual currency. Bitcoin uses a type of distributed ledger technology, where all computers on the network are involved in record-keeping. The fact that the addresses of the computers are not personalized enables the same kind of anonymity that is associated with cash.

Bitcoin
BTC

Ether is the currency used on the Ethereum platform, and can be used to pay for various services and perform transactions on the platform. Ethereum is a decentralized blockchain platform, on which various applications can be built. It is a specific type of cryptocurrency that keeps a wide network running. But Ethereum is also a tradable crypto asset.

Ethereum
ETH

Litecoin is an open-source code blockchain, often referred to as Bitcoin's little brother. Litecoin is similar to Bitcoin precisely in that it is also considered a digital currency and payment system that can also be used for payment. The speed of Litecoin transaction processing is four times faster than Bitcoin's and a larger amount of Litecoin can be mined.

Litecoin
LTC

Uniswap is one of the most popular decentralized crypto exchange protocols running on the Ethereum blockchain. The Uniswap platform allows you to exchange one crypto asset for another.

Uniswap
UNI

Chainlink is a decentralized virtual currency linked to smart contracts built on the Ethereum platform. The Chainlink service allows data from the outside world, such as stock prices, to be linked to Ethereum's smart contracts and the contracts can be automatically applied.

Chainlink
LINK

Stellar is a crypto asset that aims to serve as a cross-border payment system for any asset (shares, crypto assets, euros, etc.). It is a payment system designed for consumer use.

Stellar Lumens
XLM

Polygoni aims to increase the number and speed of transactions on the Ethereum platform while reducing the cost of those transactions.

Polygon
MATIC

The Aave protocol matches up two parties: lender and the borrower. The lender earns interest on the loans and the borrower can take out a fixed interest loan in the selected crypto asset. Aave runs on the Ethereum network using smart contract technology.

Aave
AAVE

How do I buy crypto assets?

Open the LHV mobile app (link) and navigate to the "Investment" screen (third icon from left at the bottom).

Select "+" at the top right and then "Buy Crypto Assets".

Fill in the appropriateness questionnaire and accept the terms of service for the crypto transaction.

Select the desired crypto asset from the search, specify the amount you want to buy, and click "Buy".

The crypto assets will show up on your account immediately.

Taxation

Private person

If you're trading crypto assets as an individual, bear in mind that any transaction that nets gains should be reported to the tax authorities and is subject to income tax. Note: Gains are not offset by losses. So, for example, if you have a capital gain of €20 from selling Bitcoin and make a loss of €30 later on, you still have to pay income tax on the €20 gain.

We have made it as easy as possible to declare the income from crypto assets to the tax authority. When it comes time to file you taxes, you will receive a summary of your crypto asset transactions via LHV internet bank, which you can submit to the Tax Board more easily: by each instrument. As an individual, you won't have to report each transaction to the tax office separately, but you can submit the summary to the tax office, prepared by us for each instrument.

Read about the taxation of crypto assets for private persons.

Legal person

We've made it easy for business clients to buy crypto assets: you don't have to spend time opening an account with another crypto trading site. A company also does not need an LEI code (link) to buy crypto assets. If you have a corporate account with LHV, you can also buy crypto assets there. Gains from crypto assets are taxed in the same way as any other corporate income: the tax liability only arises if the company pays dividends, salaries or fringe benefits.

Price list

Transaction fee (buy-sell)

0,5%

Management fee

Free

Minimum buy order

20 €

Minimum sell order

10 €

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