Private banking service

LHV’s Private Banking offers you full service and convenient solutions. We are much more than a traditional bank – we are innovative and have strong investment and entrepreneurship experience. We offer simple and convenient financial services and the best service.

  • Annual interest rate of 1% on the current account is accounted on sums up to 1,000,000 euros
  • Private Banking Card and Platinum Card
  • Personal client executive
  • Service by phone
  • Portfolio management service together with detailed reporting for financial assets with a volume exceeding EUR 100,000

Bank cards

To apply for the card, you must have a Private Banking Service Agreement.
Contact your Private Banker.

Platinum card
Platinum card back
Platinum Card
  • Credit card with contactless payment function
  • Travel insurance for the entire family
  • Purchase insurance
  • Priority Pass with unlimited visits
  • Estravel Platinum Club membership
  • Interest 14%
  • Up to 40 days’ interest free period
Private Banking Card
  • Debit card with contactless payment function
  • Purchase insurance
  • Also enables payments over the Internet

The Platinum Card includes broad travel insurance coverage from AIG for you and the family members travelling with you, regardless of how you have paid for the travel.

What does the travel insurance cover?

Type of indemnitySum insuredExcess

Medical treatment expenses, accident during the trip€200,000 or up to one year
Medical treatment expenses, illness during the trip€200,000 or up to 45 days
Additional expenses related to the trip and accommodation in case of a trip extended by an accident or illnessup to 10 days
Medical equipment€200
Dental treatment expenses€200
24 h Travel emergency serviceCovered in the insurance
Medical transport to the nearest treatment facility€200,000
Transport back home in case of an illness or accident during the trip€200,000
Transport back home for a child travelling with the insured person€50,000
Transport back home for a deceased person€20,000
Travel, living and accommodation costs of a family member in relation to visiting the insured person at the hospitalUp to 2 persons, 5 days
Death by accident, persons over 16 years of age€100,000
Death by accident, persons under 16 years of age€5000
Permanent disability due to an accident, persons over 16 years of age€100,000
Permanent disability due to an accident, persons under 16 years of age€5000

Travel interruption
Cancellation of trip€2000
Tickets purchased to concerts or sporting events that were not used due to the cancellation of the trip€150€50
Missed departures€1000
Missed connecting flights€1000
Exchange of plant tickets due to cancellation of the trip or missed departures or connecting flights€150
Travel interruption€2000
Purchase of basic personal items due to a flight being delayedUp to €200 + €2004 hours + 24 hours
Purchase of basic personal items due to arrival of baggage being delayedUp to €4004 hours
Loss of baggage€1000

Third Party Liability insurance, for proprietary insurance€100,000
Third Party Liability insurance, for damages to health€100,000
Rental vehicle excess€10,000€100

Other costs
Recovery of documents€200
Phone calls made during an emergency€200
Legal assistance€10,000

Purchase Insurance included with the Platinum Card and Private Banking Card covers all durable goods for which you have paid using your Platinum Card or Private Banking Card, for a period of 180 days after the purchase. Insurance helps even if the fault is your own.

Sums insured

For purchase insurance, a maximum sum insured is determined for each insured item, insured event and calendar year. The excess for each insured event is €30.

Insurance cover

  • Minimum purchase value €100
  • Maximum purchase value and indemnity per claim €5000
  • Maximum indemnity in a year per cardholder €10,000
  • Valid for 180 days
  • Excess €30

Priority Pass – The Platinum Card comes with a Priority Pass membership card, which grants you free access to the VIP lounges of more than 1000 airports around the world. With the Platinum Card, you have unlimited access to Business Class Lounges. More detailed info and conditions.

Platinum Club members can pay with their ticket bought via Estravel at the Tallinn Airport Business Class Lounge and at the Platinum Club department of personal service Read more

Customer service and loss adjustment in Estonia
AIG Europe Limited
Nimekast 7024
14002 Tallinn, Estonia
Mon–Fri 9–20, Sat 10–16
tel +372 686 7800, Fax +372 673 7242

Emergency service abroad
SOS International AS
tel +45 7010 5054, Fax +45 7010 5056

The insurance policy is available in the Internet Bank under the details of the Platinum Card. Please fill in the travel insurance or purchase protection insurance claims form in case there is a need for it.

If a Platinum Card is lost or stolen during a trip, block it immediately. The travel insurance will be still valid during the trip if it was active at the beginning of the trip.

Price list and terms and conditions

Monthly fee

Monthly Private Banking Client fee € 30

European payments

Free of charge

Current account interest

Annual interest rate of 1% on the current account is accounted on sums up to 1,000,000 euros

Private Banking card

Free of charge

Platinum Card

Free of charge

Priority Pass

Free for the cardholder, USD 27 per visitor

Travel insurance

Applies to the owner of the Platinum Card and the family members travelling with them. What does the travel insurance cover?

Purchase Insurance

Applies to all durable goods that have been paid for with the Platinum or Private Banking Debit Card. What does Purchase Insurance cover?

Member status in the Estravel Platinum Club

Travel service, club member’s permanent discounts and bonuses. Platinum Club info

Emergency replacement card or cash

If your card is lost or stolen abroad, you can order an emergency replacement card or cash

Holding of Baltic securities

Free of charge

Holding of foreign securities

Up to €30,000: free of charge. on the part exceeding €30,000: 0.015%

Baltic analyses

Free of charge

Portfolio management

monthly 0.1%, min €30 of the service. Read more

Prerequisites for becoming a Private Banking client

Volume of assets at LHV Pank €100,000

Always consider your credit decisions carefully. The financial service provider is AS LHV Pank. Review the Terms and Conditions at and consult our specialist. The annual percentage rate of the Platinum credit card is 11.95% per year on the following sample conditions: limit €4000, annual interest rate 14% (fixed), interest-free period 32 days, repayment sum of €4250.44, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

Estonia’s best private banking

Financial magazine Euromoney’s annual private banking and asset management survey revealed that Estonia’s best private banking service is offered by LHV.

Read more


Artjom Vakulenko

Head of Private Banking

680 2775

680 2775

Kairi Veere

Client Manager

680 0455

680 0455

Ringo Raudvee

Client Manager

680 2619

680 2619

Olga Alamaa

Client Manager

680 2747

680 2747

Aleksei Gavrikov

Client Manager

680 2669

680 2669

Mikk Taras

Portfolio manager

680 0435

680 0435

Kaius Kiivramees

Portfolio manager

680 0439

680 0439

Jani Mäenpää


680 2676

680 2676