LHV Bank

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.

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.

LHV Bank lists UK bank — LHV Bank Limited, FRN 993767, company 13180211 under PRA / FCA in United Kingdom. On safeguarding we currently write: FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025). Holder / issuer line: LHV Bank Limited. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Product-priced — confirm live; FX Bank tariff; ATM UK network; interest Savings SKUs (Raisin and own) — rates move. This desk would open it for: UK residents and UK-facing fintechs who want a PRA bank, not the Estonian retail app.

What it does well: Named PRA/FCA bank; FSCS £120k; FRN on the footer. What to watch: Not Starling for SME toolkit; Retail is thinner than the Estonian parent; Name collision. Desk score 6.7 / 10 (safety 8.6, fees 7.0, features 6.8, app 6.0). Last verified 2026-08-30. Headquartered in London, United Kingdom; founded 2021. None of this is advice — it is a file so you can read the entity before the card colour.