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.
- 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
- 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 indemnity | Sum insured | Excess |
|---|---|---|
Health | ||
| 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 illness | up to 10 days | |
| Medical equipment | €200 | |
| Dental treatment expenses | €200 | |
| 24 h Travel emergency service | Covered 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 hospital | Up 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 delayed | Up to €200 + €200 | 4 hours + 24 hours |
| Purchase of basic personal items due to arrival of baggage being delayed | Up to €400 | 4 hours |
| Loss of baggage | €1000 | |
Insurance | ||
| 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
E-mail aig@transcom-estonia.ee
Emergency service abroad
SOS International AS
24/7
tel +45 7010 5054, Fax +45 7010 5056
e-mail sos@sos.dk
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 lhv.ee/privaatpangandus 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
