United Kingdom
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- Fee
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LHV Bank
PRA/FCA UK bank. FRN 993767. FSCS. Not AS LHV Pank and not an EMI.
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6.7Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — UK bank — LHV Bank Limited, FRN 993767, company 13180211 (PRA / FCA). Still read the entity on the statement.
If it fails?
FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025)
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
Product-priced — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.7
/10 · Mixed
LHV Bank Limited is a UK bank. PRA and FCA, FRN 993767, 1 Angel Court, company 13180211. FSCS up to £120,000. The Estonian AS LHV Pank file is Tagatisfond. This one is FSCS. Banking-as-a-service for fintechs is a SKU, not a second scheme. Starling remains the salary default on this desk. Do not flatten the two LHV objects.
What it is
UK branch of LHV Pank became a subsidiary bank. Directories still say ‘LHV UK branch of an Estonian bank’. The PRA list says LHV Bank Limited. Read FRN 993767.
Best for: UK residents and UK-facing fintechs who want a PRA bank, not the Estonian retail app.
Last checked 2026-08-30. Not advice.
What it does well
- +Named PRA/FCA bank
- +FSCS £120k
- +FRN on the footer
- +Separate from AS LHV Pank
What to watch
- −Not Starling for SME toolkit
- −Retail is thinner than the Estonian parent
- −Name collision
- −1 Angel Court is not Tallinn
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- UK personal / savings · fintech banking
- Partner bank
- LHV Bank Limited (FRN 993767)
- Minimum balance
- £0
- Lowest monthly fee
- Product-priced — confirm live
- Who can open
- UK residents and UK-facing firms
- Availability
- United Kingdom
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- IBAN / SEPA · Faster Payments
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- LHV Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025)
Who holds the money: LHV Bank Limited
- PRA / FCAUK bank — LHV Bank Limited, FRN 993767, company 13180211 · United Kingdom
Fees
- Monthly
- Product-priced — confirm live
- FX markup
- Bank tariff
- ATM
- UK network
- Interest
- Savings SKUs (Raisin and own) — rates move
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- UK bank current / savings
- FSCS
- Fintech banking services
- PRA FRN 993767
- Not Estonian Tagatisfond
Score
- Safety25%
- 8.6
- Fees20%
- 7.0
- Features15%
- 6.8
- App15%
- 6.0
- Global15%
- 3.4
- Support10%
- 6.8
Change log
Full logLicence
LHV Bank Limited, FRN 993767, FSCS
PRA/FCA UK bank. 1 Angel Court. Separate from AS LHV Pank.
Available in
Straight answers
FAQ
01Is LHV Bank a bank?
LHV Bank holds a banking-style licence (PRA / FCA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025)
03Where is LHV Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with LHV Bank.
04Card and wallets?
LHV Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open LHV Bank 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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