Fraud prevention

Protect your data and yourself from fraud

From time to time, various scams are attempted to misuse the LHV name and brand. LHV’s logo, typeface, and other brand-related materials have been used to encourage bona fide clients to share their personal information or make a payment from their account to a third party account. To help protect you from potential scams, here are the most common scams so you can identify and avoid them if you need to.

Report fraud

Fraud sites

LHV’s correct Internet Bank and website can be found at: https://www.lhv.ee.
Our website and Internet Bank are in Estonian, English, and Russian.
When logging into the internet bank, always make sure you are on LHV’s official banking channel: check that the address is correct, the links are functional and the page has the proper appearance. LHV internet bank's homepage address always starts with https://www.lhv.ee/ or https://api.lhv.eu/psd2...
LHV Financial portal, a website managed by LHV for investment enthusiasts is located on the address https://fp.lhv.ee/. Temporarily, articles posted to the portal can be found on the page https://news.fp.lhv.ee/uudised.
It is good to know that in addition to Estonia, LHV also has an official branch in London, with a website at https://www.lhv.com.
If you come across a site with what appears to be LHV’s logos at an address other than https://www.lhv.ee or https://www.lhv.com (even if only one symbol is different), or if the site looks suspicious for any other reason, close your browser. Please report a suspicious site to us at https://www.lhv.ee/en/security.
In the case of doubt, the safest thing to do is to type www.lhv.ee in the browser’s address bar, rather than click on the link you have been sent, which looks similar but is different in some characters.

Scam emails

Some features to help you identify a possible scam email:

Such emails usually ask you to suspend payments, ensure the security of your account or otherwise log in to your Internet Bank account using a link attached to the email. The emphasis is always on speed, i.e., answering quickly, clicking on links, and giving your details. LHV never sends a request to review or suspend payments by email.
LHV’s official communication always takes place via the ‘@lhv.ee’ email address. If the end of the sender’s email address is something else (even if one letter is different), please be careful.
LHV never sends official emails from ‘@gmail’, ‘@hot’, ‘@mail’ or any other email address for personal use.
We do not expect a quick and immediate response (e.g., to prevent fraud) by email.
If you receive a suspicious email, do not click on unknown links or share your personal information with anyone. Please report suspicious emails by writing to us at security@lhv.ee. If possible, please attach the original scam email.
If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

Fraud messages

Some features to help you identify a possible scam message (or SMS):

Fraud messages contain suspicious links, including foreign domains (e.g., https://lhv-pangandus.com) or shortened links (e.g., starting with https://bit.ly/) to hide the true destination of the fraudulent link. LHV never sends you links by text messages (SMS).
LHV sends its SMS messages from the sender ‘LHV’. However, you should be aware that it is possible to forge the name of the sender. For this reason, the security of a message should not only be assessed by the name of the sender, but also by the content and possible links.
LHV never asks you to confirm your payments or stop fraudulent transactions by SMS.
If you receive a suspicious SMS, do not click on unknown links or share your personal information with anyone. Please report a suspicious message by writing to us at security@lhv.ee. If possible, attach a screenshot of the suspicious SMS.
If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

Voice phishing

Some features to help you identify a possible scam phone call:

We usually always call you from the LHV client support number 6 800 400. However, remember that it is possible to forge the caller’s phone number when making a phone call. Therefore, it is not only the number of the caller that should be used to assess the credibility of a call, but also the content of the call.
Voice phishing always has an emphasis on time-sensitivity and panic: for example, instantly requesting PINs, bank card numbers or personal information to identify the person who answered the phone. We never ask for personal information when we call you, we already know who we are calling. We also know your LHV username. If during the call, you are asked to do this under the pretext of identifying you, please be careful as this phone call is not from LHV.
For example, scam phone calls ask you to enter personal PINs to prevent money from allegedly being withdrawn from your account. It is worth remembering: if we detect a suspicious payment, we will stop it ourselves. We do not ask for your consent or confirmation over the phone, and we never require you to confirm your PIN1 and PIN2 to stop a payment.
We always speak to you in the language you have chosen as your preferred language in the LHV Internet Bank. If your language is Estonian, we will never speak to you in Russian or English. All LHV employees speak fluent Estonian. Scam phone calls have been on the rise recently, starting with an attempt to explain in poor Estonian that the caller’s language is not their mother tongue, and offering to switch to Russian or English. This is how you can tell this call is not coming from LHV. It is also advisable for Russian and/or English speaking clients to always be particularly attentive to the content of the phone call.
We never ask for your credit card numbers, passwords or codes during the call. We also do not ask you to enter PIN1 and PIN2 codes. Not even if there is a problem with your card or a related transaction.
If you receive a suspicious phone call, please do not share your personal details with anyone, disconnect the call immediately and let us know by writing to security@lhv.ee.
If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

If you have fallen victim to fraudsters, entered on a suspicious page or given out your personal details to strangers, please let us know as soon as possible by calling the LHV client support number (+372) 6 800 400.

Outside of working hours, our partner will help you. In addition, be sure to report the incident to the police.

Filling out the crime report is convenient and quick. Every report, regardless of the amount of damage, is very important to the police in catching criminals. We help the police in every way by providing additional information.
If the fraudsters are caught, the money will be returned to the victims who have filed a claim, if possible. It may not happen right away, but even after a year or two, there may be a chance to get your money back.