Estonia
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LHV Pank
Estonian bank. Finantsinspektsioon / ECB. Tagatisfond €100k. Not the UK LHV Bank Ltd file.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
No. LHV Pank is not a bank. Your money sits with AS LHV Pank.
If it fails?
Tagatisfond (Estonian Deposit Guarantee Fund) up to €100,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account packs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
AS LHV Pank is an Estonian credit institution. Finantsinspektsioon, Eesti Pank, ECB. Tagatisfond up to €100,000. Euromoney still calls it Estonia’s best bank in 2026. LHV Bank Limited in London is a separate PRA bank with FSCS. Two licences. Two schemes. Directories smash them because the letters match. This desk will not.
What it is
Tallinn, 1999 as a broker, bank from 2009. LHV Group is listed. The UK subsidiary is the other file on this intake. Read the IBAN country. A Tagatisfond euro is not FSCS. An EE IBAN is not a sort code. Two LHV tiles, two regulators.
Best for: Estonia residents who want a local bank IBAN, not a Lithuanian EMI and not the UK LHV file.
Last checked 2026-08-30. Not advice.
What it does well
- +Named Estonian credit institution
- +Tagatisfond €100k
- +Listed parent
- +Not an EMI
What to watch
- −Estonia-resident for retail
- −UK LHV Bank Ltd is a different company
- −Not a travel FX champion
- −Investment SKUs are not the deposit
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · business · investment
- Partner bank
- AS LHV Pank
- Minimum balance
- €0
- Lowest monthly fee
- Account packs — confirm live
- Who can open
- Estonia residents
- Availability
- Estonia
How money actually moves
- Who holds the cash
- Issued / held via AS LHV Pank
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- LHV Pank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Tagatisfond (Estonian Deposit Guarantee Fund) up to €100,000 per depositor per bank
Who holds the money: AS LHV Pank
- Finantsinspektsioon / Eesti Pank / ECBCredit institution — AS LHV Pank · Estonia
Fees
- Monthly
- Account packs — confirm live
- FX markup
- Bank tariff
- ATM
- Network schedule
- Interest
- Savings / investment SKUs — rates move
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- ✓Stocks
- ✓Business
- –Kids
- –Halal
- Estonian IBAN
- Retail + business
- Brokerage adjacency
- Tagatisfond
- Listed parent
Score
- Safety25%
- 8.6
- Fees20%
- 7.2
- Features15%
- 7.8
- App15%
- 6.2
- Global15%
- 4.0
- Support10%
- 7.2
Change log
Full logLicence
AS LHV Pank — Tagatisfond €100k
Estonian credit institution. Not LHV Bank Limited in London.
Available in
Straight answers
FAQ
01Is LHV Pank a bank?
LHV Pank is not a licensed deposit-taker in the classic sense. Money, if any, sits with AS LHV Pank.
02How is money protected?
Tagatisfond (Estonian Deposit Guarantee Fund) up to €100,000 per depositor per bank
03Where is LHV Pank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with LHV Pank.
04Card and wallets?
LHV Pank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open LHV Pank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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