Best private banking service
LHV Private Banking gives you priority access to fast service, exclusive benefits and many advantages.
We are providers of so much more than a traditional private banking – we are innovative and flexible, and we have strong investment and business experience.
We do our best to take care of you and make you feel special.
- Personal client relationship manager for you and your businesses
- Best and prioritized service for all banking products
- Helpline for quick transactions, such as paying bills
- Platinum Debit Card and Platinum Credit Card with exclusive and best-in-market travel insurance with benefits per person, not per card
- Unlimited access to airport lounges for Platinum Credit and Debit cardholders
- Annual interest rate of 1% on the current account is accounted on sums up to 1,000,000 €
- Special interest rates on fixed-term deposits
- Possible discounts from the price list for bank products
- Special events for invited guests only
- 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 us.

- Debit card with contactless payment function
- Travel insurance for the entire family
- Purchase insurance
- Priority Pass with unlimited visits
- Estravel Platinum Club membership
- Also available as a virtual card
- Also enables payments over the Internet
- From recycled plastic

- 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
- Also available as a virtual card
The travel insurance coverage is valid up for personal and business trips up to 90 days anywhere in the world. Family members travelling with you are also insured.
We recommend that you order the Platinum Card in good time before the trip, as it can take up to a week for the card to arrive in the post and the insurance coverage will only take effect upon activation of the card.
The insurance covers medical care, baggage losses, travel cancellation and interruption and delayed departure. Comprehensive (motor hull) car insurance is also included. The sums insured are separate for each insured person and each insured event.
Covid-19 cover
- If you contract Covid-19 while abroad and need medical care as a result, we will provide up to 1,000,000 euros compensation for medical costs.
- If your trip is cancelled or interrupted because you or a travel companion contracted Covid-19 or was ordered to self-isolate, we will compensate up to 4,000 euros in costs related to travel curtailment per insured person.
Reminder:
Insurance coverage does not apply to loss events related to insufficient travel documents or other matters related to organization of travel. For example, if you are not allowed to enter a country due to lack of an appropriate coronavirus test or a country’s borders are closed, these expenses will not be covered. Nor are expenses related to Covid-19 testing and other documents necessary for travel covered. Also excluded: expenses incurred due to restrictions established on border crossing in the country of destination or country of transit. Be sure to read the travel advice posted by the Health Board and Ministry of Foreign Affairs while planning travel.
This travel insurance is provided by LHV Kindlustus. Be sure to read the terms and conditions of travel insurance for what is covered and excluded.
The table shows the sums insured for travel insurance, the indemnity limit and the deductible. These are the maximum amounts that LHV will compensate per Insured Person in the event of insured events during one trip. If the actual loss is smaller, it shall serve as the basis. The deductible is not applied to children under the age of 6 (incl.).
Insurance cover | Sum insured/limit of insurance | Deductible |
---|---|---|
Travel interruption insurance | ||
Insured sum for travel interruption insurance | € 4,000 | € 50 |
incl. the compensation limit for event tickets in the case of trip cancellation | € 150 | |
incl. the purchase of essential items in the event of a public transport delay | € 200/€ 500 | 4 hours/24 hours |
Medical assistance insurance | ||
Insured sum for medical assistance insurance | € 1,000,000 | |
incl. the limit for insurance for dental treatment | € 500 | |
incl. the limit for insurance for reimbursement of a medical device | € 200 | |
Covid- 19 cover | ||
Sum insured of medical assistance insurance | € 1,000,000 | |
Sum insured in case of cancellation of the trip and placement into quarantine of the insured person | € 4,000 | |
Baggage cover | ||
Insured sum for luggage insurance | € 2,500 | € 50 |
incl. the compensation limit for smart and video equipment | € 2,500 | € 200 |
incl. the luggage delay compensation limit | € 1,000 | up to 4 hours |
incl. the reimbursement limit for the replacement of documents | € 200 | |
Accident insurance | ||
In the case of a permanent disability | Sum of up to € 50,000 | |
In the case of death (person over 16 years of age) | € 50,000 | |
In the case of death (person less than 16 years of age) | € 2,000 | |
Liability cover | ||
Sum insured for liability insurance | € 100,000 | |
incl. in the case of damage to sports equipment, premises, apartments or buildings in the possession or use of the Insured Person | € 5,000 | |
Legal costs | ||
Sum insured for legal expenses | € 10,000 | |
Limit of insurance for security | € 5,000 | |
Rental car insurance | ||
Insured sum for rental car insurance | € 40,000 | € 250 |
Rental car excess insurance | ||
Sum insured | € 10,000 |
The purchase insurance included with a Platinum Debit Card provides 180 days of protection for durable goods that you have paid for with a Platinum Debit Card.
The insurance protects in various cases where an item has been broken, destroyed or stolen. For more information, please read the terms and conditions of insurance.
Purchase insurance is provided by LHV Kindlustus.
Insurance coverage
Validity 180 days
Deductible 30 euros
Sums insured
The sum insured is the purchase price of the insured object, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5,000 euros
Limit of indemnity
5,000 euros for each insured event
Up to 10,000 euros per year
You can get the Priority Pass card with the Platinum Cards. With Priority Pass, you have free and unlimited access to over 1,000 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
Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.
Claims and travel assistance
Tel +372 680 1122 (24/7)
kahjud@lhv.ee
Customer support
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),
kindlustus@lhv.ee
Price list and terms and conditions
Monthly fee | Monthly private banking client fee 100 € |
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 |
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Cash withdrawal using a credit card |
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Priority Pass | Free card and lounge visit. The lounge visit fee of 35$ apply for persons travelling with the cardholder |
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 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 |
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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 27 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 5,000 €, annual interest rate 14% (fixed), interest-free period 35 days, repayment sum of 5,316.62 €, 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 LHV Kindlustus. 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.
Documents and additional information
Frequently Asked Questions
- How can I become a holder of an LHV bank card?
- How quickly can I get my card?
- How do I change my bank card usage limits?
- What options do Apple Pay and Google Pay payment methods offer?
- Which LHV bank cards can be ordered as virtual card?
- I do not know my card's PIN code. How can I retrieve it?
- Can a representative of LHV Pank ask for my PIN codes or card details via email or phone call?
- I have lost my card. What do I do now?
- What kind of travel insurance does LHV offer?
- When will the bank card-related travel insurance take effect?
Contact

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.