Private banking

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 €
Platinum Debit Card and Platinum Credit Card
Personal client executive
Service by phone
Portfolio management service together with detailed reporting for financial assets with a volume exceeding 100,000 €

Become a client

Bank cards

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

Platinum Debit 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

Platinum Credit 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

Travel insurance with If for the entire family

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 indemnity	Sum insured or indemnity limit	Excess
Medical insurance	500 000 €	–
incl. dental treatment	500 €	–
incl. medical equipment	200 €	–
Additional accommodation costs in case of an insured event of medical insurance	Up to 10 days	–
Additional accommodation and transport expenses of a family member or travel companion for staying with/travelling to the insured	Up to 5 days	–
Baggage cover	1 000 €	–
incl. indemnity limit of a camera, laptop or tablet	50% of the sum insured of luggage insurance	–
Luggage delay	400 €	up to 4 hours
Costs for replacement documents	200 €	–
Trip cancellation	2 000 €	–
incl. event tickets due to cancellation of trip	150 €	–
Travel disruption related to departing means of transport	1 000 €	–
Travel disruption related to flight	1 000 €	–
Change of flight tickets	150 €	–
Trip interruption	2 000 €	–
Delay of public transport – indispensable items	200 € + 200 €	4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age	100 000 €	-
Death or permanent disability due to an accident, persons up to 16 years of age	5 000 €	–
Liability cover	100 000 €	–
Legal costs	10 000 €	–
Excess of rental car	10 000 €	100 €

Purchase insurance

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

You can get the Priority Pass card with the Platinum Cards. With Priority Pass, you have free and unlimited access to over 1000 airport lounges worldwide. More detailed info and conditions.

Estravel Platinum Club travel service

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

How should I proceed in case of an insured event?

Customer service and loss adjustment
If P&C Insurance AS
Tel: +372 777 1211 (24/7)
info@if.ee

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.

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 €
Platinum Card	Free of charge
Cash withdrawal using a debit card	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 € (+ 0.3% of any amount in excess of 10 000 € per month) and, elsewhere abroad 2 € + 2.5% of the amount
Cash withdrawal using a credit card	2 € + 2.5% of the sum
Priority Pass	Free for the cardholder, 32 $ per visitor
Travel insurance	Applies to the owner of the Platinum and private banking 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 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
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. Familiarize yourself with terms and conditions of Private Banking and consult our specialist. The annual percentage rate of the Platinum Credit Card is 11.85% per year on the following sample conditions: limit 5000 €, annual interest rate 14% (fixed), interest-free period 35 days, repayment sum of 5316.62 €, 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