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Bank cards

Applying for and using a card

1. Which bank cards does LHV offer?

We offer debit cads and credit cards.

A private client can choose between the Partner Debit Card, Private Client’s Debit Card, Football Card or Gold Debit Card. Find a solution that suits you with the help of the debit card comparison table.

We also offer our private clients the Parter Credit Card, Private Client’s Credit Card and Gold Credit Card. Find a solution that suits you with the help of the credit card comparison table.

Our corporate clients can choose between a corporate client’s debit card or credit card.

All the bank cards of LHV have contactless capacity.

2. How can I become a holder of an LHV bank card?

LHV bank cards can be applied for by:

The application for a bank card can be submitted via the LHV homepage, Internet bank or in a customer office.

The additional Partner Bank Card, which is offered in cooperation with Tallinna Kaubamaja Group, can be applied for at the information desks in the Tallinn and Tartu Kaubamaja stores and Selver supermarkets. You can pick up the card from the information desk in Tallinn or Tartu Kaubamaja stores, or from an LHV office; whichever suits you best.

LHV clients can order the bank card to be sent to their home address by post.

3. How quickly can I get my card?

The card will arrive at the customer office in about five banking days. Sending the card by post may take a little longer (depending on the services of Eesti Post), but will be delivered to your home within a week.

4. What expenses will I incur when using an LHV bank card?

As a private customer you can get an overview of possible expenses from the comparison table of private customer bank cards, and as a business customer you should look at the comparison table of business customer bank cards. We also invite you to look at LHV Bank’s price list (pdf).

5. Which LHV cards can be used for paying in online stores?

All LHV bank cards allow Internet payments. The security code required for Internet purchases is the 3-digit number on the back of your card next to the signature line.

You can pay with the card online if “Online purchases” are allowed with the card agreement. You can view and change the options of your card in the Mobile bank and in the Internet bank under the menu item “Everyday banking” -> “Bank cards” -> “Card data”.

6. How can I set a transaction limit on my bank card?

You can set daily and monthly limits for transactions that you perform with your bank card (i.e. cash withdrawal, card payments and Internet purchases) in your Internet bank and in Mobile bank.

In the interest of security, we advise you to keep the card use limits as low as possible. Keep in mind your actual money needs. As an option, you can restrict any user rights that you do not need yourself.

7. Contestation of card transactions

When you use a bank card, situations may arise where your transaction on-site or online does not produce the desired result. Such instances, and tips on how to deal with them, are outlined below.

Card payments or purchases online

  • Your account statement shows transactions not completed by you.
  • Your account has been charged for the purchase twice.
  • You have not received the goods ordered.
  • The goods ordered are defective or do not match their description.
  • You have not been provided with a refund for the goods returned or the cancelled service.
  • You have paid, but no service has been provided.

ATM transactions

  • Your account statement shows a transaction not completed by you.
  • The ATM did not dispense cash, but your account has been debited with the amount.
  • You deposited cash, but it has not reached your account.

In such instances, you are advised to always phone our customer support at 6 800 400, so that a customer service attendant can help you to decide how to proceed.

If you notice transactions on your account statement that have not been completed by you, also ask for your card to be closed immediately. If operations with your account have been completed incorrectly, you are entitled to contest the card transaction.

You are entitled to contest a card transaction with the bank within 13 months from when the transaction is completed, if the transaction was not completed by you or a person authorised by you. In other instances, contact the merchant or service provider directly if a problem occurs. If you are unable to solve the issue in this manner, contest the card transaction with the bank within 1 month from the date of the problematic transaction.

Our customer representative will e-mail you a form for contesting the transaction, although you can also complete one at the nearest LHV customer office.

Contactless payment

1. What is a contactless payment

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 €10. Contactless payments are made using contactless technology (near-field communication, NFC), which has already found wide-spread use around the world.

2. How do I use a contactless payment card?

The bank card with contactless capability can be used like a regular card, but purchases up to €10 can be paid for by simply waving the card. Card terminals supporting contactless payments can be identified by the sign nfc logo. To make a contactless payment, you simply need to wave the card near the terminal and the transaction has been concluded. The payment terminal will also display instructions and information about whether the payment was successful.

3. Where can contactless payments be used in Estonia?

Estonian banks and vendors will adopt the contactless payment option gradually: compatible payment terminals are being added weekly. These can be identified by the sign nfc logo.

4. Does the contactless card function the same abroad as it does in Estonia?

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 €10. If the local maximum limit for contactless payments permits it, LHV’s card can be used for payments up to €30.

5. Does the bank card with contactless capability also function in the old way?

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 €10, in Estonia you still need to insert the card into the payment terminal and verify the payment with your PIN code.

6. How secure is a contactless payment?

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.

7. What happens if I lose a contactless payment card or it is stolen?

In case of loss or theft, block the card in LHV’s Mobile Bank immediately or 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.

8. Can I disable contactless payments for my card?

Yes, you can view and change the options of your card in the Mobile Bank or in the Internet bank under the menu item “Everyday banking” -> “Bank cards” -> “Card data”. We also advise you to keep the limits as small as possible.

9. How can I order LHV’s bank card with contactless payment capability?

All of LHV’s new cards will have contactless capability. To apply for the card, go to: How can I become a holder of an LHV bank card?".

1. Where can I get cash from an ATM with my LHV bank card?

With an LHV bank card you can withdraw cash for free from LHV ATMs. For larger amounts (from EUR 10,000) see the pricelist.

LHV ATMs are located in Tallinn (LHV office, Tallinn Kaubamaja, Stockmann, Solaris Shopping Center, Kristiine Shopping Center, Ülemiste Shopping Center, Pirita Selver, Järve Selver, Rocca al Mare Shopping Center), Tartu (Tartu Kaubamaja, Tartu Lõunakeskus) and Pärnu (Kaubamajakas).

In case of withdrawals from the ATMs of other banks in Estonia and European Economic Area countries, a withdrawal fee of EUR 1 applies. From other ATMs in another foreign country 2 EUR + 2.5% of the amount.

Cash withdrawals from credit account, the fee 2 EUR + 2.5% of the amount applies.

2. Can I deposit cash into my LHV account?

You can deposit cash in LHV ATMs. LHV ATMs are located in Tallinn (LHV office, Tallinn Kaubamaja, Stockmann, Solaris Shopping Center, Kristiine Shopping Center, Ülemiste Shopping Center, Pirita Selver, Järve Selver, Rocca al Mare Shopping Center), Tartu (Tartu Kaubamaja, Tartu Lõunakeskus) and Pärnu (Kaubamajakas).

No cash operations are performed in the offices of LHV.

Applying for and paying back credit

1. How can I apply for credit onto my card?

You can apply for the credit limit in the Internet bank, by phone or in a customer office. To submit an application in the Internet bank, choose “Everyday banking” -> “Bank cards” -> “Card data” -> “Apply for credit”.

2. How quickly will I receive a reply to my credit application?

You will receive a reply to your credit limit application within five working days.

3. When do I have to pay interest on used credit?

Interest must be paid for the used credit limit in accordance with the interest rate set forth in the agreement (amount of interest as a percentage per year). Interest shall be calculated on the basis of the actual number of days in a month and a 360-day year. Interest starts running when the interest-free period ends.

The payment date is the 10th day of each month. On that day, all the interest that has accumulated for the credit limit used until the end of the preceding month will be debited from your LHV current account.

See also: Examples of annual percentage rate of charge for cards

4. What is the automatic repayment of the used credit limit?

The automatic repayment of the credit limit is the amount that you have chosen for the repayment of credit to the bank per month. For an LHV bank card that has a credit limit (e.g. Partner Bank Card, Private Customer Card, LHV Credit Card, Business Customer Credit Card) you can choose an automatic monthly payment in the amount of 0-100% of the credit limit. You can change the size of the repayment (0-100%) in the Internet bank whenever you want.

If you choose a 100% repayment, you can use the card interest-free as a daily means of payment.

If you choose a 0% repayment, you can repay the used limit in amounts and on times of your own choosing.

In case there is not enough money for the automatic repayment on your current account on the 10th day of the month, the existing amount on the account will be deducted. If you wish, you can transfer the missing amount to your credit account on your own. The missing part of the repayment will start to collect interest on the credit account.

5. Standard examples of the annual percentage rate of credit cards

The annual percentage rate of a Credit Card is 15.42% per annum on the following example conditions: credit limit € 1,000, interest rate 18% per annum (fixed), interest-free period 35 days, repayment sum of €1,081, assuming that the credit is used immediately, in its full amount, and is returned in the course of one year in equal monthly instalments.

The annual percentage rate of a Private Customer Card is 23.11% per annum on the following example conditions: credit limit € 500, interest rate 18% per annum (fixed), monthly fee of the card € 1, interest-free period 12 days, repayment sum of € 553, assuming that the limit is used immediately, in its full amount, and is returned in the course of one year in equal monthly instalments.

The annual percentage rate of a Partner Credit Card is 15.33% per annum on the following example conditions: credit limit € 300, interest rate 18% per annum (fixed), interest-free period 36 days, repayment sum of € 324, assuming that the credit is used immediately, in its full amount, and is returned in the course of one year in equal monthly instalments. The Partner Credit Card is presented by AS LHV Pank in cooperation with Tallinna Kaubamaja AS.

The annual percentage rate of a Partner Bank Card is 25.67% per annum on the following example conditions: credit limit € 300, interest rate 18% per annum (fixed), monthly fee of the card € 1, interest-free period 19 days, repayment sum of € 336, assuming that the limit is used immediately, in its full amount, and is returned in the course of one year in equal monthly instalments. The Partner Bank Card is presented by AS LHV Pank in cooperation with Tallinna Kaubamaja AS.

The annual percentage rate of a Gold Card is 15.09% per annum on the following example conditions: credit limit € 2,000, interest rate 18% per annum (fixed), interest-free period 40 days, repayment sum of € 2,163, assuming that the credit limit is used immediately, in its full amount, and is returned in the course of one year in equal monthly instalments.

Safety of the bank card and PIN

1. How to keep the bank card safe?

To use a bank card safely, pay attention to the following.

  • When you are paying for a purchase with the card in a shop or for a service, be sure to check that the amount displayed on the payment terminal is correct before you confirm the payment. When entering your PIN, take care that it is not visible to other people; if necessary, cover the keypad with your free hand.
  • When you are using the card for Internet purchases, do not enter your card number or its security code on any web page that does not seem trustworthy.
    • Before making the purchase, check the background of the seller.
    • Avoid using public computers for online purchases.
    • Do not share your bank card numbers with anyone over fax, mail or e-mail.
    • You can block or allow online purchases with your card at any time in LHV Internet bank. We advise you to give the permission for a payment immediately before a purchase, and block payments again as soon as the transaction has been completed.
    • To protect yourself from the damages caused by possible card fraud we advise you to keep daily and monthly payment limits as low as possible.
  • our bank card is your electronic money – keep it as carefully as you would keep your cash. Only you are permitted to use the card. Never give it to anyone else. Learn your PIN by heart. Do not carry your PIN or keep it together with the bank card.
  • Should you lose your card, inform LHV Bank immediately and our customer representative will close the card. If you have lost the card, do not use the temporary card blocking option in the Internet bank.
2. My card has been lost or stolen. What do I do now?

If you lose your card or if it is stolen, immediately call LHV Bank at +372 6 800 400 and we will close your card. You can agree with the customer representative on the best option for getting a new bank card.

3. What do I do if the card statement shows wrong transactions?

If you discover transactions on your bank card statement which you have not, to your knowledge, made, immediately contact LHV Bank. We will check the transactions and contest wrong transactions, if necessary.

4. Can I change the PIN of my bank card?

You can change the PIN of your LHV bank card in LHV ATMs. LHV ATMs are located in Tallinn (LHV office, Tallinn Kaubamaja, Stockmann, Solaris Shopping Center, Kristiine Shopping Center, Ülemiste Shopping Center, Pirita Selver, Järve Selver, Rocca al Mare Shopping Center), Tartu (Tartu Kaubamaja, Tartu Lõunakeskus) and Pärnu (Kaubamajakas).

5. My PIN was blocked due to incorrect entry; how can unblock it?

If your PIN has been locked, please contact our customer support at info@lhv.ee or +372 6 800 400.

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