Private banking

Unique and innovative Private Banking

Always with You

Priority fast service and exclusive benefits

Innovative

We are much more than traditional private banking: we are innovative and flexible, with strong investment and entrepreneurship experience

Personalized

We care about you and want you to feel special

Everyday Banking

Personal account manager for you and your businesses
Fast and priority best service for all banking products
Telephone service for quick tasks, such as bill payments
Special interest rates for fixed-term deposits
Savings account interest rate 0.5% higher than the standard price list
Current account interest of 1% up to 1,000,000 euros

Platinum Credit Card

Contactless payment credit card
Travel insurance for the whole family
Purchase insurance
Unlimited visits with Priority Pass and Fast Track
Special offers in the Bolt and Bolt Food apps
Discount in the Snabb app
Estravel Platinum Club membership
Interest starting from 10%
Interest-free period up to 40 days
Can also be ordered virtually

Learn more

Platinum Debit Card

Contactless payment debit card
Travel insurance for the whole family
Purchase insurance
Unlimited visits with Priority Pass and Fast Track
Special offers in the Bolt and Bolt Food apps
Discount in the Snabb app
Estravel Platinum Club membership
Can also be ordered virtually
Enables online payments
Made from recycled plastic
Cash withdrawal up to 10,000 euros per month without service fee

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	Platinum Credit Card	Platinum Debit Card
Linked account	Credit account	Current account
Travel insurance for the whole family
Purchase insurance
Unlimited visits with Priority Pass
Unlimited visits with Fast Track
Estravel Platinum Club membership
Special offers from partner companies
Contactless payment
Can be ordered virtually
Cash deposit
Cash withdrawal up to 10,000 euros per month from LHV’s ATM without service fee
Cash withdrawal from any bank ATM in Estonia, the United Kingdom, and European Economic Area countries, up to 3,000 euros per month free of charge⁽²⁾
Credit limit
Credit card interest starting from 10%
Interest-free period up to 40 days
No conversion fee for transactions made in foreign currency

Platinum Credit Card

Platinum Debit Card

Linked account

Travel insurance for the whole family

Purchase insurance

Unlimited visits with Priority Pass

Unlimited visits with Fast Track

Estravel Platinum Club membership

Special offers from partner companies

Contactless payment

Can be ordered virtually

Cash deposit

Cash withdrawal up to 10,000 euros per month from LHV’s ATM without service fee

Cash withdrawal from any bank ATM in Estonia, the United Kingdom, and European Economic Area countries, up to 3,000 euros per month free of charge⁽²⁾

Credit limit

Credit card interest starting from 10%

Interest-free period up to 40 days

No conversion fee for transactions made in foreign currency

Credit account

Current account

⁽²⁾ The service fee according to the banks’s price list may be added for the use of another bank’s ATM.

Portfolio Management

Personalized securities portfolio management service starting from 100,000 euros
Continuous portfolio monitoring considering long-term economic outlook
Portfolio management by experienced professionals
Maintaining asset liquidity
Transparent reporting
Comprehensive seminars for clients on portfolio and economic developments

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Investing

Free custody of foreign securities for private clients up to 500 000 euros
Transactions with foreign securities for private clients 0.14%, minimum 3 euros*
Free custody of Baltic securities
Free Baltic analyses
Possible discounts on currency exchange

*XETRA, NYSE, NASDAQ and AMEX exchange noted securities

Financing

Home loan with no contract fee
We cover notary fees for refinancing
In-house real estate/standard asset valuation for free
Personal loan manager
Possible discounts on leasing

Insurance

More personalized offers for insurance products
Priority customer service
25% discount on Home insurance
25% discount on Casco insurance
25% discount on Travel insurance

Private Banking for Athletes

Personal wealth management service
Additional protections
Payment exceptions
Community

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Succession planning

Management of passive assets
Arranging the transfer of active assets
Planning the transfer of active assets (professional advisor)
Asset consolidation, providing an overview of important considerations
Preparing a will or inheritance contract (notary or professional advisor)
International network

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Exclusive and Invitation-Only Events and Partner Offers

Restaurants
Hotels
Unique events with companions
Outings, sporting events and networking

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	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, the United Kingdom 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 with Platinum Credit Card	From any bank ATM in Estonia, the United Kingdom, and European Economic Area countries, up to 3,000 euros per month free of charge (a fee of 2 € + 2.5% applies to amounts exceeding 3,000 euros).⁽²⁾ An interest-free period of up to 40 days applies to cash withdrawals.
Transactions made in foreign currency with a Platinum Credit Card	No conversion fee is applied
Cash deposit	Up to €5,000 per month is free at the LHV ATM (+ 0.3% of the amount that exceeds €5,000 per month)⁽¹⁾
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 and transaction fee	Up to 500,000 € free of charge. On the part exceeding 500,000 €: 0.01%, plus VAT. Transactions with foreign securities for private clients 0.14%, minimum 3 euros.⁽³⁾
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 €

⁽¹⁾ The service fee applies on a customer basis, meaning it is independent of the number of accounts and cards (including additional cards).
⁽²⁾ The service fee according to the banks’s price list may be added for the use of another bank’s ATM.
⁽³⁾ XETRA, NYSE, NASDAQ and AMEX exchange noted securities.

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

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