Invest as little as €1
New to investing
You haven’t started investing because it felt like it needed more time, knowledge, or money than you have. It doesn’t.
A flexible way to invest, for anyone. Whether you’re just getting started or already an experienced investor.
Commission-free investing
Building your child’s future
Gift your child a Growth Account, so they get decades of compound interest to work with. Purchase transactions are free until age 26.
Savings as investment
Growing money with purpose
A down payment for a new home, a business, early retirement, a sabbatical, you name it. Our Growth Account will help you get there.
For everyone
Smallest investment is still an investment
You don’t need a lot of money or a financial background to start. From just €1, you can invest in real funds and companies, and at the same price as everyone else. The only thing that matters is getting started.
How it works
Learning by doing, with real money
Pick securities and set an amount. Growth Account invests automatically into stocks and funds, spreading risk and allowing your assets to grow. You build real investing experience while your money is doing all the work. Choose from our full range of funds and stocks to build a portfolio that fits you best.
Invest with every card payment
Your morning coffee is already investing
With micro investing, every card payment gets rounded up, and the difference goes straight into your portfolio. On average, our customers micro invest just €1.1 a day. That adds up to €400 in extra investments a year.
Tell us what you want to own
Pick up to 10 funds or individual stocks. Set how much of each you want.
Decide how much goes in
Make a one-time or recurring payment to your Growth Account. You can raise, lower, or pause the payments whenever you like. Also, set up Microinvestments to reach your goals faster.
Wednesday is investment day
Every Wednesday between 11:00 and 19:00 EET, we invest whatever is ready in your Growth Account. You don’t need to be online, logged in, or paying attention, it’s fully automatic.
Check in when you feel like it
You can keep track of your portfolio in the LHV app. Nevertheless, the investing happens whether you check or not.
Price list
| Conclusion of agreement | Free of charge |
| Fee for a purchase transaction | 0.5% LHV funds free of charge Free for persons under 26 years of age |
| Fee for a sales transaction | 0.14% of trade value, min 5 € LHV funds free of charge 0 € is applied if the client sells Growth Account funds for home loan down payment before the loan money is paid out* |
| Management fee | 0.01% per month, plus VAT; first year without management fee; management fee for persons under 26 years of age is 0 €** |
* Sell your funds in the desired amount from your Growth Account within 2 weeks prior to the date of loan money being paid out. We will reimburse the fees associated to sales of the Growth Account funds within 2 weeks.
** Applies only for the first Growth Account.
View the terms and conditions, price list and risks of the Growth Account. Before making an investment decision, review the fund’s prospectus and key investor information and risks involved in the investment. We advise you to get acquainted with the fund and the costs involved in the investment service with the help of the resources available on the website.
Frequently asked questions
A parent requires:
- an active client agreement
- a child account agreement
- an investment services agreement
- an appropriateness test (not required if the security to be purchased is trading in Europe and it is not a complex instrument (such as crypto assets, or index funds tracking the prices of crypto assets of precious metals))
In addition, it is necessary to conclude the following on behalf of the child:
- an investment services agreement
If the child’s account is to be used for transactions in US equities, a W-8 form will also need to be filled in on behalf of the child. In addition, a free Baltic securities account needs to be opened for a child to be able to purchase Baltic securities for him/her. An easy way to start investing is the Growth Account, where you can invest from as little as one euro if you want.
You can sign all the necessary additional agreements in the ‘Information and Settings’ → ‘Contracts’ section of LHV Internet Bank. To complete the appropriateness questionnaire, go to Information and Settings → Appropriateness Assessment Questionnaire.
No, there is not.
You can conveniently close your Growth Account yourself in the Internet or Mobile banking. The prerequisite is that you have sold the securities in the Growth Account and the money has been transferred to your current account.
However, sometimes closing the Growth Account is not absolutely necessary, and there are other options for receiving the money or temporarily suspending the service.
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If you want to temporarily stop investing, select “Stop automatic investments” in the Growth Account settings and confirm your choice. This will prevent accidental reinvestments from microinvestments, dividends, or standing orders.
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If you use an LHV bank card and have activated micro-investing, please turn off this service. To do this, remove the “tick” from the option “I use micro-investing and contribute with every card payment” and confirm the change. This will prevent money from accumulating in the Growth Account again.
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If you wish, you can also withdraw money partially by selling a suitable portion of the securities in the Growth Account. In the event of a sale, a service fee will apply according to the price list. You don’t pay an administration fee for an empty Growth Account.
If you are still sure that you want to terminate the Growth Account agreement, you can do so in the Growth Account settings view in the Internet or Mobile banking. You can sell securities in the Growth Account by selecting Money Growth → Purchase and Sale → Shares and Index Funds from the Internet banking menu or Investments → Money Growth → Stock → Sell from the Mobile app menu. Please note that when selling, a separate sales fee applies to each fund according to the price list. The income from the sale of securities will automatically be credited to your current account.
If you need assistance with selling securities, please contact our brokers at (+372) 680 0420.