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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 €

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 card
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

The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The sums insured apply for each insured person and insured event separately. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car insurance.

Travel insurance applies to both personal and business trips in the presence of an active Platinum Card or private banking card. Travel insurance is provided by If Kindlustus. Kindly read the travel insurance conditions, which provide an overview of both the insurance cover and exclusions.

What does the travel insurance cover?

Type of indemnitySum insured or indemnity limit per insured personExcess
Medical insurance700 000 euros-
including dental treatment500 euros-
including medical equipment200 euros-
Luggage insurance2500 euros-
including indemnity limit for camera, laptop or tablet50% of the sum insured by luggage insurance-
Luggage delay1000 eurosup to 4 hours
Expenses on replacement documents200 euros-
Trip cancellation2000 euros-
including event tickets due to cancellation of trip150 euros-
Travel disruption related to means of transport2000 euros-
Change of flight tickets150 euros-
Trip curtailment2000 euros-
Delay of public transport – indispensable items200 + 500 euros4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age50,000 euros-
Death or permanent disability due to an accident, persons up to 16 years of age2000 euros-
Liability cover100 000 euros-
including damage caused to sports equipment, premises, apartment or building in the possession or use of the Insured5000 euros-
Legal costs10 000 euros-
including bail bond5000 euros-
Telephone calls from abroad200 euros-
Rental car insurance40 000 euros250 euros

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 €

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.

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.

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 Platinum 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 card and lounge visit. The lounge visit fee of 32$ apply for persons travelling with the cardholder

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 50,000 €: free of charge
  • On the part exceeding 50,000 €: 0.01%
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.


Karel Parve

Head of Private Banking

684 6811

684 6811


Kristi Jõeleht-Nastaj

Sales and Development Manager for Portfolio Management

684 6890

684 6890


Angeelika Popova

Client Manager

684 6884

684 6884


Argo Metsaru

Client Manager

684 6867

684 6867


Kärt Paju

Client Manager

684 6876

684 6876


Marje Siiner

Client Manager

684 6870

684 6870


Kristina Galjanitš

Client Manager


Mikk Taras

Portfolio Manager

Kaius Kiivramees

Portfolio Manager

LHV portfolio management

The aim of portfolio management is to grow capital with moderate risk through economic cycles. In order to achieve the best long-term results, we manage investment portfolios actively, taking risks when prices are low and reducing risks when prices are high.

Read more


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