Youth Card
Youth Card is
a free bank card
for ages 6–25
- Free to order, free to use
- Discounts at our partners
- 180 days of purchase insurance
- Monthly pocket money giveaway
- Save or invest with every card payment
- Card sleeve for your phone
Order Youth Card
A card that everyone wants but only those under 26 can have
If you're between the age of 18 and 25, you can order the card yourself.
Order Youth CardIf you're under 18, your parent can order the card after opening a Child Account for you.
Open a Child Account
Youth Card Features
The specs that make the Youth Card work for you
You can order the Youth Card up to the age of 25. Ordering and using the card is then free. When you turn 26, a monthly fee of €1 will apply to the card.
The purchase insurance automatically included with the Youth Card gives you 180 days of coverage on durable goods with a purchase price between 100 and 5000 euros.
The Youth Card comes with a free card holder that you can stick to the back of your phone. This way, your favourite card is always with you.
You can activate the micro-saving or micro-investing option. Or why not both? Every time you buy something with the Youth Card, you’ll be putting a small sum aside.
Everything related to the Youth Card can be found in the LHV app. Check out discounts, card details, look up your PIN code, change the card limits or block the card.
Additionally, on our private cards page you will find features that apply to all LHV bank cards.
Youth Card Discounts
Save euros,
and make them grow
Partners selected based on youth shopping habits.
You can find the valid offer on our collaboration page and in the Bolt Food app
The discount is applied automatically when you’ve selected the Youth Card as your payment method and see the LHV banner in the restaurant or store view. The discount does not apply to Apple Pay or Google Pay payments.
You can find the valid offer on our collaboration page and in the Bolt app
The discount applies automatically when you select your Youth Card as the payment method. The offer is not valid for Apple Pay or Google Pay. To get the discount, add your Youth Card as a payment method by entering the card details.
Get 20% off at Sportland’s online store with the Youth Card
To get the discount, use the promo code found in the Youth Card section of the LHV app. The discount applies to all brands and is calculated from the full product price. The offer is valid until 31 December 2026.
MyFitness+ Täispakett is €54 with the Youth Card (instead of €67), free sign-up with any plan
To get the discount, register as a MyFitness member online and enter your Youth Card promo code. You can find the code in the LHV app or online bank under the card details view. The offer is valid for Youth Card holders aged 25 and under.
When paying with the Youth Card, all hot food and drinks are 20% cheaper
To receive the discount you must pay with the Youth Card. Ask the seller for the discount before making a purchase. Only one discount is valid at a time. The discount is not valid at shops located in Tallinn Airport, Tallinn Bus Station, Pärnu beach, or on ferries abroad.
The Youth Card gives you 15% off at VLND Burger
To receive the discount, ask the cashier before making your purchase and pay with your Youth Card. The discount is valid at all VLND locations.
With the Youth Card, all movie tickets are €5
To get your discount, either select the “LHV Youth Card” ticket online and show your card at the cinema, or present your card to the cashier before paying.
With the Youth Card, get 20% off at Bangbang
To get the discount in the store, present your Youth Card to the cashier before making the purchase and pay with it. When buying online, use the discount code in the shopping cart. Find the code in the LHV app under the Youth Card view. The discount is calculated from the full price.
Score a Hundred
Pay with the Youth Card and win pocket money
Make at least 15 payments with your Youth Card during the month to be entered into a €100 prize draw. If you have activated micro-investing, you can win an additional €100 for your Growth Account.
You can opt in to the campaign when ordering the Youth Card. If you already have a Youth Card, check in the internet bank ("Youth Card" → "Card details and limits") to see if you are participating.
Pocket money winner in October is
Kristina Derkach
Youth Card in the LHV App
Download the LHV mobile app to manage your finances the fastest way
- Order, replace or block the card
- View Youth Card discounts
- View card details and PIN code
- Change card limits
- View ATM locations
Terms and Conditions and Price List
| Monthly fee | Virtual card free of charge €0 if you’re younger than 26 |
|---|---|
| Renewal, closing | Free of charge |
| Replacement | €5 Replacement to a virtual card is free of charge |
| Cash withdrawals |
|
| Cash deposits | Up to €5,000 per month is free at the LHV ATM (+ 0.3% of the amount that exceeds €5,000 per month)2 |
| Conversion fee for transactions in foreign currencies | 1% of transaction amount |
| Information request from an ATM |
|
1 The EEA includes 27 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
2 The service fee applies on a customer basis, meaning it is independent of the number of accounts and cards (including additional cards).
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.
What does purchase insurance cover?
The purchase insurance included with the Youth Card provides 180 days of protection for durable goods that you have paid for with a Youth 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
You will receive 500 euros per insured event if the damage has occurred
- to a smart device, mobile phone, tablet or laptop
- photo or video camera
- fur item
- eyeglasses and sunglasses
- painting, graphic work or sculpture
In other cases, the indemnity limit is 5,000 euros per insured event
Up to 10,000 euros per year
What should I do in the case of a loss event?
Notify us of the loss event as soon as possible and follow the instructions of the LHV claims handling specialist.
In case of a loss event, submit a purchase insurance claim.
Documents you need to fill in the purchase insurance claim:
- item purchase receipt and card payment receipt (card payment statement from internet bank also acceptable as the latter)
- in the case of burglary or robbery, the police report as well
Customer support
tel (+372) 699 9111 (Mon – Fri 9–17)
kindlustus@lhv.ee
Claims adjustment
phone (+372) 680 1122 (24 hours a day)
Campaign terms and conditions
I Participation
- The “Sajaga edasi” (“Full on with a hundred”) campaign (hereinafter the campaign) is organised by AS LHV Pank (hereinafter the organiser), located at Tartu mnt 2, Tallinn, registry code: 10539549, telephone: 6 800 400, e-mail: info@lhv.ee.
- The campaign will be held between 01.01–31.12.2026.
- All LHV Youth Card users who are up to 25 years old and have made at least 15 card payments with the LHV Youth Card during the calendar month preceding the prize draw day may participate in the campaign.
- No registration is required in order to participate in the campaign, but the participant must accept the terms and conditions, including giving consent to the disclosure of his or her name on the lhv.ee website, as well as in the e-mail and social media channels of LHV’s client communication, if he or she proves to be the winner.
- Employees of AS LHV Pank and its group companies LHV Group, LHV Varahaldus, LHV Kindlustus and LHV Finance shall not be eligible to participate in the campaign.
- The prize draw is carried out on 12 occasions. The same person may prove to be the winner on multiple occasions.
II Prize
- The campaign prize is 100 euros, and is transferred by the organiser to the winner’s current account in LHV Bank.
- If the winner has activated the micro-investment option, he or she will gain an additional prize of 100 euros, which will be transferred by the organiser to his or her Growth Account. If the winner is a minor who has activated the micro-investment option, the additional prize of 100 euros will be transferred to the parent’s current account in LHV Bank.
- The bank shall not issue the prize in cash.
- The organiser shall raffle the prizes from 5 January 2026 (included) onwards, on the 5th day of the month or the following banking day, in the presence of LHV Bank’s compliance officer.
- The organiser shall inspect compliance with the campaign terms and conditions, and notify the winner within three working days after the monthly prize draw.
- The campaign participant shall be responsible for the correctness of the e-mail address and telephone number submitted to the organiser in his or her customer data. The prize shall be paid out within three banking days after the winner has been contacted.
- Any taxes on the disbursement of the prize shall be borne by the organiser.
III Other
- The campaign participant shall adhere to the rules established and decisions made by the organiser with regard to the campaign.
- In the event of force majeure circumstances, the organiser shall have the right to suspend the campaign without any advance notification or consequences. The organiser shall notify participants of such a suspension via the lhv.ee website or other channel.
- The organiser shall have the right to make any decisions regarding the campaign without giving any advance notification thereof.
- Any complaints with regard to the campaign shall be submitted to the organiser’s postal address at Tartu mnt 2, Tallinn 10145.
- Additional information on the campaign is available by phoning 6 800 400, e-mailing info@lhv.ee and on lhv.ee/en/youth-card.
Frequently asked questions about the Youth Card
The minimum age is 13 for Apple Pay and 16 for Google Pay.
To add the card to Apple Pay, go to “Cards” in the LHV mobile app and tap “Add to Apple Wallet” (or do this in the Wallet app). The card has to be added to any device you plan using Apple Pay on. Read more about how to set up Apple Pay.
Apple Pay requires Face ID or Touch ID and the latest software version on your phone. You will also need an Apple ID account.
To add your card to Google Pay, go to “Cards” in the mobile app and tap “Add to GPay” (or do this in the Google Pay app).
If you get a new Youth Card and activate it before you close the old one, you won’t have to re-add it.
If you close the old card before activating the new one, you will have to add it again.
Log in to the LHV mobile app with the username on your client agreement. Once you’re logged in, choose “Cards” → “Activate” and enter the last four digits of your card number.
Instructions for activating a bank card in the internet bank or mobile app
For Estonian addresses, the bank card will arrive within 10 working days (depends on the Omniva postal service) and the delivery is free.
Sending your card abroad will take a bit longer, and the exact delivery time depends on your location. You can check approximate delivery times on the Omniva website. Please note that there is a €15 service fee for mailing a card abroad via regular mail.
Ordered a PIN code with your bank card? For your security, your bank card and PIN code will be mailed in separate envelopes. Please expect them to arrive at different times.
A physical card is a plastic card that has all the functions of a bank card.
A virtual card exists only in a digital form on your device: your phone or smartwatch. You can use it to pay for purchases both in physical stores and online.
With a virtual card, you can only withdraw cash from ATMs that support contactless. You cannot deposit cash or change the card’s PIN with a virtual card.
Find LHV ATM locations on our website or in the LHV mobile app: Cards → Card-related information → ATMs.
The Youth Card is free for everyone under 26.
Starting from the month following your 26th birthday, a €1 monthly fee will apply to the card. The fee will be charged on the 10th day of each month going forward. For example, if you turn 26 on January 10, €1 will be deducted from your account every month starting from February 10.
You can use the Youth Card until the end of its validity period. For example, if you turned 26 but the card is still valid for two more years, you can continue to use it for those two years, now simply paying the monthly card fee of €1.
However, if the Youth Card expires when you are already at least 26 years old, it will not be possible to order a new Youth Card once it has expired.
If you pay for a purchase with a Youth Card, you will automatically enjoy purchase insurance. You’ll get 180 days of coverage (starting from the purchase date) for purchases with a price of 100 to 5000 euros.
If anything happens to your purchased product, let us know as soon as possible and file an insurance claim notice.
In the LHV mobile app: Cards → Limits.
If your card is lost, block it temporarily or close it permanently. Go to the LHV mobile app or internet bank: Cards → Block. There you can choose whether to temporarily or permanently block it.
The fastest way to find your PIN code is in the LHV mobile app: Cards → PIN code.
The PIN code can also be looked up in the internet bank. Detailed instructions for looking up your card’s PIN code.
Changing your card’s PIN code requires the chip to be rewritten, so you can only change the code using the physical card in an LHV ATM.
Look for LHV ATM locations on our website and in the LHV mobile app: Cards → Card-related information → ATMs.