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 €
  • 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 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
  • Travel insurance for the entire family
  • Purchase insurance
  • Priority Pass with unlimited visits
  • Estravel Platinum Club membership
  • Also enables payments over the Internet

The Platinum Card and private banking card includes broad travel insurance coverage from If 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 insured or indemnity limitExcess
Medical insurance500 000 €
incl. dental treatment500 €
incl. medical equipment200 €
Additional accommodation costs in case of an insured event of medical insuranceUp to 10 days
Additional accommodation and transport expenses of a family member or travel companion for staying with/travelling to the insuredUp to 5 days
Baggage cover1 000 €
incl. indemnity limit of a camera, laptop or tablet50% of the sum insured of luggage insurance
Luggage delay400 €up to 4 hours
Costs for replacement documents200 €
Trip cancellation2 000 €
incl. event tickets due to cancellation of trip150 €
Travel disruption related to departing means of transport1 000 €
Travel disruption related to flight1 000 €
Change of flight tickets150 €
Trip interruption2 000 €
Delay of public transport – indispensable items200 € + 200 €4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age100 000 €-
Death or permanent disability due to an accident, persons up to 16 years of age5 000 €
Liability cover100 000 €
Legal costs10 000 €
Excess of rental car10 000 €100 €

Purchase Insurance included with the Platinum Card and private banking card covers durable goods for which you have paid using your Platinum Card or private banking card, for a period of 180 days after the purchase. The insurance cover helps in different instances, if the object is broken, has been destroyed or stolen. Read more about the Terms and Conditions of Insurance. Purchase Insurance is offered by If Kindlustus.

Sums insured

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

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 – both Platinum Card and Private Banking Card come with Priority Pass. With Priority Pass, you have free and unlimited access to over 1000 airport lounges worldwide. 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
If P&C Insurance AS
Tel: +372 777 1211 (24/7)

In the case of a loss event, please fill in the If Insurance Travel Loss or Property Damage form. Make sure to write „LHV“ in the form’s insurance policy field.

Starting from 1 January, 2019, the travel and purchase insurance is offered by If Kindlustus. If your loss event occurred in 2018, please fill in the AIG travel insurance or purchase insurance claim form. Send the claim notice at and, if needed, ask for advice on the AIG insurance line +372 686 7800 (Mon-Fri 9-17).

If a 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 €

Private Banking card

Free of charge

Platinum Card

Free of charge

Cash withdrawals
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 10,000 € per month)
  • ATMs of other banks: from the current account in Estonia and a contracting party to the EEA Agreement 1 € and, elsewhere abroad 2 € + 2.5% of the amount
Priority Pass

Free for the cardholder, 32 $ 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, plus VAT. Read more

Prerequisites for becoming a Private Banking client

Volume of assets at LHV Pank 100,000 €

The EEA includes 28 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.

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.

Travel and Purchase Insurance is offered by If P&C Insurance AS. The policyholder is LHV Pank AS. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist.

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

Anna Krasnikova

Client Manager

680 2747

680 2747

Kristiina Senno

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