etru

Private client

You do not have an Estonian passport, ID card or residence permit

If you do not have an Estonian passport, ID card or residence permit, we will ask you to submit additional documents that prove that you have a connection with Estonia.

You are a holder of an e-resident’s digital ID

The e-resident’s digital ID is not an identity document and e-resident status by itself is not a sufficient basis for opening a bank account.
If you do not have an Estonian passport, ID card or residence permit, we will ask you to submit additional documents that prove that you have a connection to Estonia.

You have an Estonian passport, ID card or residence permit

If you have a passport, ID card or residence permit issued by the Estonian state, you can open a bank account conveniently without leaving home, either with the app or in the internet bank. Read the instructions for opening an account.

Steps of account opening

  • An account opening application form

    Fill in an account opening application form.

  • Documents

    Send to nonresident@lhv.ee

    • A filled out application
    • a copy of your identity document
    • documents that prove your connection to Estonia
      Examples of suitable documents:
    • signed residential lease agreement
    • signed employment contract
    • certificate from an educational institution regarding enrolment
    • document substantiating connection to enterprise
  • Decision on your application
    Once we have received your application for opening an account and documents, we will contact you shortly.

  • Identification

    If we approve your application to open an account, you will be asked to come to an LHV office for face-to-face identification and signing the client agreement.

    If you have already identified yourself at LHV, you will not have to come to the office again. In that case, we will e-mail the client agreement to you and you can sign it digitally using your e-resident’s digital ID.

Non-resident clients can not be digitally identified, so we will ask you to come to an LHV office. We provide service in Estonian, Russian and English.

After you have opened an account...

Log in

You can enter our internet bank using your ID card, the e-resident’s digital ID, mobile-ID, Smart-ID, password, or password generator issued by LHV.

Enter the bank
FAQ

Make payments

When sent as an instant payment, funds are received in seconds at any time of the day or night. Free.

Read more
Start a payment
FAQ

Order a bank card

If desired, you can order a payment card that supports contactless payments and Apple Pay. Home delivery by mail is free within Estonia.

Bank cards
FAQ

Price list

Account opening

100 € Residents of EU member states (including Norway, Iceland, Liechtenstein and Switzerland)

200 € Residents of other countries

Monthly fee

10 € Residents of EU member states (including Norway, Iceland, Liechtenstein and Switzerland)

20 € Residents of other countries

Bank card monthly fee

1 € (Free of charge for clients under 26 years of age)

European payments within SEPA region

Free of charge

Additional information on the price list and terms and conditions

Client support

In case of additional questions, please contact us via e-mail at nonresident@lhv.ee.

Business client

Your company must have a clear connection to Estonia

To open an account at LHV Pank, your company will need to prove a clear connection to Estonia and a need to open an account here.
If your company was registered in Estonia but is location-independent, submit an overview of its activities and clients. If possible, include the business plan.

You have an e-resident’s digital ID

The e-resident’s digital ID is not an identity document and e-resident status by itself is not a sufficient basis for opening a bank account.
If you do not have an Estonian passport, ID card or residence permit, we will ask you to submit additional documents that prove that you have a connection with Estonia.

Your company is registered in an offshore location or its ownership structure includes companies registered in offshore countries

LHV Pank does not open accounts for these companies.

Need help with business establishment?
Xolo offers a full service from company registration to daily accounting.

Steps of account opening

  • An account opening application form

    Complete and submit the application form for opening an account.

  • Documents

    Send the following documents to nonresident@lhv.ee:

    • completed application (be as precise in the details as possible; this allows us to make a decision faster)
    • copy of the passport of board members and beneficial owners (holding of over 25%)
    • detailed and precise overview of the ownership structure, including beneficial ownership (we will request additional information in the case of a more complicated ownership structure)
    • account statement for the last 12 months
  • Decision on your application
    Once we have received your application for opening an account and documents, we will contact you shortly.

  • Identification

    If we approve your application to open an account, you will be asked to come to an LHV office for face-to-face identification and signing the client agreement.

    If you have already identified yourself at LHV, you will not have to come to the office again. In that case, we will e-mail the client agreement to you and you can sign it digitally using your e-resident’s digital ID.

  • An account opening application form

    Complete and submit the application form for opening an account.

  • Documents

    Send the following documents to nonresident@lhv.ee:

    • completed application (be as precise in the details as possible; this allows us to make a decision faster)
    • copy of the passport of board members and beneficial owners (holding of over 25%)
    • detailed and precise overview of the ownership structure, including beneficial ownership. We will request additional information in the case of a more complicated ownership structure
    • articles of association of the company (notarised), translated into Estonian, Russian or English
    • list of the company’s signatories (notarised)
    • register excerpt for the company (notarised), not older than 6 months, translated into Estonian, Russian or English
    • account statement for the last 12 months
  • Decision on your application
    Once we have received your application for opening an account and documents, we will contact you shortly.

  • Identification

    If we approve your application to open an account, you will be asked to come to an LHV office for face-to-face identification and signing the client agreement.

    If you have already identified yourself at LHV, you will not have to come to the office again. In that case, we will e-mail the client agreement to you and you can sign it digitally using your e-resident’s digital ID.

Non-resident clients can not be digitally identified, so we will ask you to come to an LHV office. We provide service in Estonian, Russian and English.

After you have opened an account...

Enter the bank

You can enter our internet bank using your ID card, the e-resident’s digital ID, mobile-ID, Smart-ID, password, or password generator issued by LHV.

Enter the bank
FAQ

Make payments

When sent as an instant payment, funds are received in seconds at any time of the day or night. Free.

Read more
Start a payment
FAQ

Order a bank card

If desired, you can order a payment card that supports contactless payments and Apple Pay. Home delivery by mail is free within Estonia.

Bank cards
FAQ

Price list

Companies registered in EstoniaCompanies registered
abroad
European Union and Norway (excluding Cyprus, Luxembourg, Malta and the United Kingdom)Companies registered elsewhere in the world
Opening an account200 €200 €500 €
Monthly fee20 €20 €50 €
Bank card monthly fee2 €2 €2 €
Euro payments within the SEPA regionFree of chargeFree of chargeFree of charge

Additional information on the price list and terms and conditions

Client support

In case of additional questions, please contact us via e-mail at nonresident@lhv.ee.