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Youth Card

Using the LHV Youth Card you can pay by swiping, get discounts from our partners and win prizes

  • Free bank card
  • Enjoy discounts
  • Pay with the card and win prizes
  • Your purchases are insured
  • Pick your colour

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

Order a card

The Youth Card is all-powerful

Bank card without service fees
You can use the Youth Card to pay in Estonia, abroad and on the internet. Get your bank card conveniently delivered to your home. The account number associated with the card can be found on the back of the card. European payments are free in LHV – there are no service fees for transfers.

Pay by swiping
You can use the Youth Card to make contactless payments, which is a convenient and fast way to make payments of up to 25 €.

Purchase insurance
Purchase insurance protects all durable goods that are paid with the Youth Card for a period of 180 days after the date of purchase.

Receive discounts with the Youth Card
With the Youth Card you can enjoy discounts from our partners.

Pay with the Youth Card and win prizes
By paying with the Youth Card you are entered into monthly prize draws. The more you pay with the Youth Card, the bigger the award and your chance of winning.

Invest with every card payment
Microinvestment enables you to grow your investment portfolio without even noticing, investing up to 1 euro to your Growth Account with each debit card payment.

ATMs
Withdrawing cash is free of charge from LHV ATM’s. Cash is withdrawn from the ATM’s of other banks in Estonia and Europe for only 1 €.

Discounts with the Youth Card

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

MyFitness
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.

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

Prizes with the Youth Card

When paying with the Youth Card you can win prizes
When you pay with the Youth Card you are entered into a monthly prize draw. The more often you pay with the Youth Card, the bigger the award and the greater the chance of winning.
Terms and Conditions of the draw

  • If you make 10 or more card payments per month, you will be entered into the Apollo cinema gift ticket draw. We will raffle off 60 x 2 gift tickets with a total value of 20 €.

  • If you make 20 or more card payments per month, you will be entered into the Partner gift card draw. We will raffle off 40 gift cards, each with a value of 25 €.

  • If you make 30 or more card payments per month, you will be entered into the Sportland gift card draw. We will raffle off 20 gift cards, each with a value of 50 €.

Price List and Terms and Conditions

Monthly fee

No fee

Issuing, renewal, closing

Free of charge

Replacement

5 €

Cash withdrawals
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 3000 € per month)
  • ATMs of other banks: from the current account in Estonia and a contracting party to the EEA Agreement € 11 and, elsewhere abroad € 2 + 2.5% of the amount
Cash deposits

Free of charge at LHV ATMs

Information request from an ATM
  • Free of charge from LHV ATMs
  • From the ATMs of other Estonian banks 0.20 €

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.

The purchase insurance included with the Youth Card covers all purchases of durable goods made with your Youth 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
In the case of purchase insurance a maximum insured amount is specified for each insured object, insured event and calendar year.

Cover

  • Minimum purchase value 100 €
  • Maximum purchase value and indemnity for a single claim 5000 €
  • Maximum compensation per insured event of electronic equipment is 300 €
  • Maximum compensation per year for a single card holder 10,000 €
  • Validity 180 days
  • Deductible 30 €

What should I do in the case of a loss event?
In the case of a loss event, please complete the If Insurance property damage form. Make sure to write LHV in the form’s insurance policy field.

Documents, which are required for completing the form:

  • sales receipt for the object and the card payment receipt
  • if the item in question can be repaired, then the repair estimate issued by the repair shop
  • if the incident involves a break-in or theft, then a police certificate must be submitted

Participating in the draw

  • All Youth Bank clients who have made at least 10 card payments with the LHV Youth Card in the previous calendar month before the draw, shall participate in the campaign.
  • The activity programme of the Youth Bank shall be launched on 27.08.2018. The draws shall take place once a month from 05.10.2018 until the bank decides to end the campaign.
  • Prior registration for the draw is not required; however, in order to participate in the draw, the terms and conditions must be accepted (incl. prize-winners consenting to have their name published on the websites of lhv.ee, in LHV’s magazine Investeeri, in client communications, e-mails and social media channels).
  • Employees of the bank and companies belonging to the same group as the bank (AS LHV Group, AS LHV Varahaldus, and AS LHV Finance), as well as their family members, are not eligible to participate in the draw.
  • The same person may win repeatedly.

Prizes

  • Depending on the number of card payments made during the calendar month prior to the draw, the Youth Bank clients who comply with the campaign terms and conditions shall participate in the draw of the following prizes:
    • 10 or more card payments: Apollo Kino tickets to 60 clients (2 tickets per one client);
    • 20 or more card payments: 25-€ Partner e-gift card to 40 clients;
    • 30 or more card payments: 50-€ Sportland e-gift card to 20 clients.
  • The Bank’s representatives will draw the prize, from 5 October 2018 (including) on the 5th day of each month or the next bank day, in the attendance of the bank’s Compliance Officer.
  • Compliance with the terms and conditions established for participating in the draw shall be checked within 3 (three) days from the draw and if these have been complied with, the gift card shall be sent to the winner’s e-mail address that the winner has included in their contact details.
  • The person participating in the draw shall be responsible for keeping the e-mail address included in their client data correct and current. If the winner’s e-mail address turns out to be faulty or if the e-mail does not reach the winner due to reasons beyond the bank’s control, the winner shall lose their prize and a new draw shall not be organised.
  • The prize is not in any way replaceable or exchangeable and the bank shall not reimburse any expenses related to receiving the prize.

Obligations/Other

  • Each campaign participant must accept all rules established by the bank and all decisions made by the bank during the campaign.
  • Should circumstances of force majeure appear, the bank shall have the right to discontinue the campaign without prior notice or any consequences. If possible, the bank shall provide notice of such discontinuation through the bank’s website of lhv.ee or any other information channel.
  • The bank reserves the right to make any decisions regarding the promotional campaign without prior notice thereof. All complaints related to the organisation of the campaign must be presented to the bank via mail, to the address Tartu mnt 2, Tallinn 10145.
  • More information on the promotional campaign: 6 800 400 or info@lhv.ee or lhv.ee/noor
  • The prize draw is organised by AS LHV Pank, address Tartu mnt 2 Tallinn, registry code 10539549, Tel. 6 800 400, e-mail info@lhv.ee.
Documents and additional information

Participation in the draw

  • The Youth Bank and Sweatcoin campaign takes place during 06.12.2018-21.12.2018.
  • All Youth Bank clients who have earned 5 € via Sweatcoin mobile app (SweatCo Ltd, aadress c/o OHS Secretaries Limited, 9th Floor, 107 Cheapside, London, EC2V 6DN, UK, registration code 09242159) to their LHV’s Youth Card account during the campaign period, will participate in the draw.
  • In order to take part in the draw, it is necessary to create a Sweatcoin account in the mobile app (as well as, enter your personal code to the mobile application, which will be used to link your Youth Bank account with your Sweatcoin user account). Participation in the draw includes an acceptance of terms and conditions (incl. prize-winners consenting to have their name published on the websites of lhv.ee, in LHV’s magazine Investeeri, in client communications, e-mails and social media channels).
  • The employees of LHV Bank, as well as employees of the groups belonging to the same bank concern (such as AS LHV Group, AS LHV Varahaldus, and AS LHV Finance) are not entitled to take part in the draw.

Prizes

  • The Youth Bank clients who comply with the campaign terms and conditions will be participating in the draw of the Apple Watch Series 4
  • The prize will be drawn by the Bank’s representatives in the Bank’s Compliance Officer presence on 21.12.2018
  • Fulfilment of terms and conditions by draw participators will be verified within three days after the draw has taken place. Once abovementioned is established, the winner will be contacted over the phone.
  • It is participators responsibility to ensure, that the phone number provided in client’s customer data is up to date and active. If the winner’s phone number turns out to be faulty or if the bank representative is unable reach the winner within one working day, due to certain reasons that are beyond bank’s control, the winner will lose the prize and a new draw will be organised.
  • The prize cannot be replaced or exchanged in any way. Also, the bank is not responsible for the refund of any expenses related to receiving of the prize by the winner.

Obligations/Other

  • Each participant of the campaign commits to accept all rules established by bank including decisions made during the campaign.
  • In case of force majeure, the bank holds the right to interrupt the campaign without any consequences and prior notice. LHV Bank will notify of such discontinuation of the campaign, if possible, via bank’s website (lhv.ee) or using any other client communication channel.
  • The bank reserves the right to make any decisions regarding the promotional campaign without prior notice thereof. All complaints related to the organisation of the campaign must be presented to the bank via mail, to the address Tartu mnt 2, Tallinn 10145.
  • More information on the promotional campaign: 6 800 400 or info@lhv.ee or https://www.lhv.ee/en/youthbank
  • The prize draw is organised by AS LHV Pank, address Tartu mnt 2 Tallinn, registry code 10539549, Tel. 6 800 400, e-mail info@lhv.ee.