Multifunctional bank card

LHV Multifunctional bank card allows you to access both your current account and credit account. One card, one PIN – you choose, which account to use.

You can use a bank card with two accounts until its expiry date.
We are issuing new debit and credit cards with contactless capability since autumn 2016.
Read more about contactless payment here.

In POS terminals
the card can be used similarly to any other bank card. The POS terminal or ATM will ask you to choose which account to use for the transaction.

  • Should you choose “DEBIT” in the POS terminal, the card will function as a debit card, with the purchase amount debited from your current account.
  • Should you choose “CREDIT” in the POS terminal, the card will function as a credit card, with the purchase amount debited from your credit account. You can apply for a credit limit in the internet bank.

When making purchases via a POS terminal that does not support a bank card which has been tied to several accounts, the card will function as a debit card, with the purchase amount debited from your current account.

When making purchases on the Internet
you can choose which account to use for payment.

Should you wish to use the funds on your current account, enter the debit card number on the front of the card (1) as well as the debit card security code on the rear of the card, next to the signature strip (2).

Should you wish to use the funds on your credit account, enter the credit card number (3) and the credit card security code (4).

PIN and user limits
The PIN and user limits of the card are the same, irrespective of whether you effect transactions from your current account or your credit account.