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Open a bank account at LHV

Account opening for a student is free of charge in LHV Pank and there is no monthly fee.1 Also, we offer free European payments and instant payments. If you are under the age of 26, your bank cards are free from the monthly fees as well. In LHV, we have a convenient and fast internet bank, so you could easily manage your funds without going to a bank office.

You can start applying for an account online and to start enjoying your time in Estonia, we suggest starting with it as soon as possible.

Steps of account opening

  • An account opening application form

    Fill and submit the account opening application form.

  • Documents

    Before visiting the client office, please send the following required documents to

    • A copy of a valid identity document (passport or a two-sided picture of an ID card issued in a European country),
    • Copy of visa,
    • Certificate from an educational institution regarding enrolment.

    In addition, please let us know via e-mail if you would like to apply for a bank card. Until the age of 26 this is free from monthly fee. The fee for ordering a bank card to a client office is 10 euros. Please add a comment whether you would like to receive your bank card from our Tallinn, Tartu or Pärnu client office. You can read more about bank card on our website:

  • Visit our client office for identification and contract signing

    If you have filled in the application for opening an account and sent us all the necessary documents, please wait until we inform you about our decision regarding opening an account. It may take 2-3 working days.

    If the account opening decision will be positive, we will be awaiting your visit to one of our branch offices. In the office we will make face-to-face identification and sign the client agreement with you.

    When you are coming to our client office, please make sure you bring:

    • a valid identity document (such as a passport or ID card).

Clients who do not hold Estonian residence permit cards, can not be digitally identified, so we will ask you to come to an LHV office. We provide service in Estonian, Russian and English.

If you hold an Estonian residence permit card, you can use LHV internet bank to make transactions quickly and comfortably.

If you would like to use our internet banking options, but you do not hold an Estonian residence permit card, it is possible to purchase a PIN-calculator from our offices.

Once you have completed your studies in Estonia, do not forget to close your account with us. For this you should contact us

After you have opened an account...

Log in

You can enter our internet bank using your ID card, the e-resident’s digital ID, mobile-ID, Smart-ID, password, or password generator issued by LHV.

Enter the bank

Make payments

When sent as an instant payment, funds are received in seconds at any time of the day or night. Free.

Read more
Start a payment

Order a bank card

If desired, you can order a payment card that supports contactless payments and Apple Pay. Home delivery by mail is free within Estonia.

Bank cards

Price list

Account opening

Free of charge

Monthly fee

Free of charge

Bank card monthly fee

1 € (Free of charge for clients under 26 years of age)

European payments within SEPA region

Free of charge

1 This information and price list applies to the following universities: University of Tartu, Tallinn University of Technology, Estonian Business School, Estonian Academy of Arts, Estonian University of Life Sciences, Estonian Entrepreneurship University of Applied Sciences. Additional information on the price list and terms and conditions.


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