LHV Youth Bank

With LHV Youth Bank, you don't have to worry about service fees, and with the convenient mobile app, you can make payments or ask a friend for money, even while on the move. In addition, you have the opportunity to take the first steps in the world of investments, to save money for fulfilling your dreams.

Youth Card

  • Free bank card

  • Your purchases are insured

  • Enjoy discounts

  • Pick your colour

You can order the Youth Card if you are 25 years old or younger.

Discounts with the Youth Card

When paying with the Youth Card, all hot food and drinks are 20% cheaper.

MyFitness+ Full package costs 54 €. Becoming a member is free for all types of packages.

Lux Express
When showing your Youth Card, you will receive a discount of 30% on all routes within Estonia.

When paying with the Youth Card the goods of one brand will be 20% cheaper for you.

Score a hundred

Make payments with your LHV Youth Card and you can win 100 euros to your bank account and 50 euros to your Growth Account.

We know that for a young person every euro counts, especially considering that time is of the essence when growing larger sums of money. The money that you save and start growing today may help you fulfil your dreams and score high in the future. That’s why the Youth Bank fully supports the efforts of future founders, with a monthly prize draw of up to 150 euros pocket money for one Youth Card holder.

Terms and conditions of the draw

If you make 15 or more payments with your Youth Card per month, you will be entered into the draw with a chance to win:
If you make 15 or more payments with your Youth Card per month, you will be entered into the draw with a chance to win up to 150 €.

100 € straight to your current account
An additional prize of 50 € to your Growth Account if you have activated the micro-investment option

Pocket money winner in May is
Annabel Jürgenson

The first steps in the field of investing

Growth Account and microinvesting

We have made investing easy for you – start with microinvesting. This is the opportunity to collect a small sum from each card transaction in your Growth Account. The money will not simply be sitting there, it will instead be invested automatically. If you wish, you can also make larger one-time deposits. Growth Account is without maintenance fee for you until age of 26.

How does microinvesting work?

The amount of the debit card payment is rounded to the next whole number and the difference is transferred to the Growth Account.

In case of smaller payments (up to 10 €) 10% limit can be applied. Microinvestment is limited to 10% of the amount of debit card payment.

Read more

Student Loan

Student Loan will help you cover the costs related to your studies, from housing costs to your tuition fee. The largest loan amount secured by the State is 2500 €, with annual interest of 5%.

Becoming a client is easy

Become a client without visiting the bank

Open an account by e-identification at LHV Internet bank or mobile app. You will need a Mobile-ID, Smart-ID or ID-card to sign the customer agreement.

If you are under 18 years of age

If you are under 18, your parent or legal representative can create a Child Account for you and order a Youth Card conveniently via internet bank or mobile app.

Child Account

Open an account for your child conveniently via internet bank or mobile app

Campaign terms and conditions

I Participation
  1. 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:
  2. The campaign will be held between 1 January and 31 December 2020.
  3. 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.
  4. 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 website, LHV’s online magazine Investeeri, 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.
  5. Employees of AS LHV Pank and its group companies AS LHV Group, AS LHV Varahaldus and AS LHV Finance and their family members shall not be eligible to participate in the campaign.
  6. The prize draw is carried out on 12 occasions. The same person may prove to be the winner on multiple occasions.
II Prize
  1. The campaign prize is 100 euros, and is transferred by the organiser to the winner’s current account in LHV Bank.
  2. If the winner has activated the micro-investment option, he or she will gain an additional prize of 50 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 50 euros will be transferred to the parent’s current account in LHV Bank.
  3. The bank shall not issue the prize in cash.
  4. The organiser shall raffle the prizes from 5 January 2020 (included) onwards, on the 5th day of the month or the following banking day, in the presence of LHV Bank’s compliance officer.
  5. The organiser shall inspect compliance with the campaign terms and conditions, and notify the winner within three working days after the monthly prize draw.
  6. 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.
  7. Any taxes on the disbursement of the prize shall be borne by the organiser.
III Other
  1. The campaign participant shall adhere to the rules established and decisions made by the organiser with regard to the campaign.
  2. 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 website or other channel.
  3. The organiser shall have the right to make any decisions regarding the campaign without giving any advance notification thereof.
  4. Any complaints with regard to the campaign shall be submitted to the organiser’s postal address at Tartu mnt 2, Tallinn 10145.
  5. Additional information on the campaign is available by phoning 6 800 400, e-mailing and on

Terms and conditions of the LHV Youth Bank essay competition “How can the bank be useful to me in money matters?”

1. The LHV Youth Bank essay competition: “How can the bank be useful to me in money matters?” (hereinafter: competition) is organized by AS LHV Pank, address Tartu mnt 2, 10145 Tallinn, registry code 10539549, tel 6 800 400, email address (hereinafter: organizer).
2. The competition shall run from 30 July to 30 August 2019.
3. All holders of LHV bank cards aged 7-25 years of age are eligible to participate.
4. Employees of the organizer or companies belonging to the same group (AS LHV Group, AS LHV Varahaldus and AS LHV Finance) and their family members are not eligible to compete.
5. Every participant may submit one essay in the competition.
6. By participating in the competition, each participant accepts the terms and conditions of the competition and shall abide by the decisions taken by the organizer during the competition.

7. The topic of the essay is: “How can the bank be useful to me in money matters?”
8. The length of the essay shall be at least one page and a maximum of 10,000 characters (including spaces).
9. The essay shall be written in Estonian.
10. The essay submitter confirms that he or she is the author of the essay.
11. The essay must be submitted by email to no later than 30 August 2019 at 17.00.
12. Each essay writer shall consent to the publication of the essay, should the essay win the competition, on the website, the organizer’s webzine Investeeri, the organizer’s emails and social media channels.

13. The grand prize of the competition shall be 200 euros, which the organizer shall transfer to the winner’s bank account at LHV Bank.
14. The organizer has the right to award special prizes in a category of its choice.
15. The winner of the competition shall be determined by a five-member committee formed by the organizer. The organizer shall contact the winner by telephone within three banking days of the making of the decision.
16. The organizer shall verify compliance with the competition terms and conditions after the winning essay is determined.
17. The participant at the competition shall ensure that the contact details he or she submits to the organizer are correct and current. If the contact details prove incorrect or if for other reasons beyond the control of the organizer it is not possible to contact the winner within three banking days, or if the winner does not consent to the publication of his or her name, the organizer shall award the prize to the next best essay writer.

18. The organizer shall have the right without advance notice and regardless of consequence to discontinue the competition, providing notice thereof on its website or another information channel.
19. In all matters related to the competition, the organizer has the right to take any decisions without advance notice.
20. All complaints regarding the competition must be submitted to the organizer by regular mail at Tartu mnt 2, 10145 Tallinn.
21. Additional information about the competition is available by telephone at 6 800 400, by email at and on the website

December Winners

Winners of the 50 euro Sportland giftcard

Auris Aleksandrov

Patrick Malm

Emili Toompuu

Tiina Ütt

Kadrin Hallik

Laura Maala

Ranek Koni

Karmen Lahe

Liisa Kai Siimut

Jane Priimägi

Karl Robert Arulaan

Andra-Riin Abel

Taavi Christopher Tuisk

Viktor Romanov

Katrin Voloditšev

Lauri Pähn

Georg Madis Puhm

Pille Riin Kuningas

Kerttu Jaansalu

Ott Pastarus

Winners of the 25 euro Partner e-giftcard

Johannes Teder

Oskar Lepik

Andreas Ayrton Luhala

Sander Tiitso

Diana Kolossova

Viktor Rüütel

Oliver Harris Hütt

Brit Põld

Evely Kajala

Marta-Marleen Tamm

Olga Tšitšikalova

Karl Joosep Mardisoo

Naima Vilms

Kaarel Kiho

Oliver Hellaste

Reimo Link

Sarah Ellermaa

Marion Maasar

Halina Panarad

Janne Nurme

Erik Mühls

Laurelin Männik

Karl Tetsmann

Karmen Lahe

Kristjan Unt

Paul Opmann

Kätlin Kukebal

Aleksandr Gubachev

Winners of the 2x10 euro Apollo Cinema tickets

Jan Erik Soosaar

Gerta Pall

Carl-Johannes Kinnunen

Brit Kikas

Karl Riis

Dina Tanaga

Iris Ingelbert Sargla

Emili Kinks

Liisabel Hammer

Ilja Samoilov

Tarvi Langus

Cardo Erasmus Kakk

Sissel-Maria Mägi

Sandra Ratasepp

Fedor Gorbunov

Jevgeni Lugin

Dario Ilbi

Anna Aleksandrina

Marten Keiv

Alo Vals

Grete-Kai Teeäär

Merilin Vesingi

Raoul Ashley Fernandes

Kristelle Õispuu

Samantha Aleksandra Žurkin

Nikita Skvortsov

Taiko Tõnno Kont

Kevin Kütson

Katriin Ailen Takk

Norah Laadoga

Ilayda Kalkan

Linda Mariette Joost

Kaarel Aruoja

Konstantin Abramovitš

Kaisa-Kadi Pilt

Sander Kartau

Janete Remmelkoor

Ekaterina Iakovleva

Maarit Põllu

Oskar Orglaan

Mari-Liis Mägi

Sandra Lundver

Vladimir Logatšev

Eliise Orav

Ranno Kähr

Paula Toomsalu

Helena Kangur

Anna-Liis Mägi

Nikita Pisarenko

Hans Erik Atonen