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.

- 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

- 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 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 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)
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 |
|
Cash withdrawal using a credit card |
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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