LHV Pank review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026
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Our verdict
LHV Pank suits investors across Europe who want stocks, ETFs, bonds, funds and crypto alongside everyday banking in Internet Bank, Mobile App and Trader. Stock trade fees run €5 with account fees of €0 and minimum deposits of €0, while support spans email, phone and help centre under Estonian Financial Supervision Authority supervision.
Key facts
- Best for
- Bank based investing with savings and crypto in the same app
- Minimum deposit
- €0↗
- Stock trade fee
- €5↗
- Account fee
- €0↗
- Markets
- Stocks, ETFs, Bonds, Funds, Crypto↗
- Regulators
- Estonian Financial Supervision Authority (EFSA)↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Currency conversion fee
- 1%↗
- Margin rate
- 7.5%↗
- Deposit and withdrawal fees
- Free SEPA payments↗
- Platforms
- Internet Bank, Mobile App, Trader↗
- Interest on cash
- 0.01%↗
- Legal entity
- AS LHV Pank↗
- Headquarters
- Estonia↗
- Founded
- 1999↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Crypto, Mobile app
- Pricing model
- No monthly fee
- Official website
- lhv.ee
Loans
- APR
- 19.67% to 19.9%↗
- Loan amount
- €200 to €15,000↗
- Term
- 6 to 120 months↗
- Arrangement fee
- 2% (min EUR 29.9)↗
- Funding time
- Within minutes↗
- Representative example
- Monthly EUR 64.02, APR 19.67% for EUR 2400, 13.9% fixed, 54 months↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Age 18-75, Estonian citizen or residence permit, income min EUR 400↗
- Origination fee (%)
- 2%↗
- Loan types
- Personal↗
Savings
Debit cards
Facts checked September 29, 2026, 11 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediainstagram.com
Pros and cons
Pros
- Account fees of €0 with minimum deposits of €0 keep entry simple
- Markets span stocks, ETFs and bonds via Internet Bank, Mobile App and Trader with mobile app access
- Transfers use Free SEPA payments with savings terms of Withdraw at any time with no service charge
Cons
- Stock trade fees of €5 sit above commission free rivals such as ActivTrades at $0
- Margin rate of 7.5% adds cost for leveraged positions
- Monthly card fees of €1 apply for debit card use
Who it suits
- Investors who prefer LHV Pank over XTB for bank style custody with bonds and funds alongside crypto
- Savers who prefer LHV Pank over eToro for easy access savings plus securities in the same relationship
Who should look elsewhere
- Traders focused purely on lowest equity commissions may prefer ActivTrades over LHV Pank
- Investors seeking broad CFD or forex specialisation may prefer XTB over LHV Pank
How LHV Pank compares
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 8.3
9.0 vs 8.5
9.0 vs 9.4Lower stock dealing costs apply at $0 versus €5 for active equity traders
9.0 vs 9.3Lower stock dealing costs apply at €0 versus €5 for frequent orders
9.0 vs 8.7
9.0 vs 9.2Lower entry deposits apply at $50 for those starting with small balances
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.8
Where LHV Pank is available
- Available
- Estonia
- Licence in Estonia
- Estonian Financial Supervision Authority (EFSA) (MiCA CASP 529900GJOSVHI055QR67), checked September 28, 2026, also valid in Estonia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What fees apply to the LHV Pank securities account?+
Stock trade fees run €5 while account fees stand at €0 and minimum deposits stand at €0. Transfers use Free SEPA payments. Charges remain visible in the price list and vary by market and order size, so review terms before placing trades.
Is LHV Pank regulated and how is money protected?+
LHV Pank operates as AS LHV Pank under Estonian Financial Supervision Authority (EFSA). Cash balances fall under EU DGS up to EUR 100,000 while securities fall under EU ICS up to EUR 20,000. Cover limits and eligibility rules apply, so check client categorisation and account structure before funding.
What can be traded and on which platforms?+
Markets cover stocks, ETFs and bonds for diversified portfolios across shares, funds and digital assets. Access runs through Internet Bank, Mobile App and Trader with added features such as crypto and mobile app. Availability varies by instrument and venue, so confirm order types and market access inside the trading menu.
How does the LHV Pank savings account work?+
The savings headline rate is 1.75% with a structure described as variable and easy access. Terms allow Withdraw at any time with no service charge. Rates can move over time and interest accrues under account conditions, so review payout timing and balance rules before saving.
What are the LHV Pank consumer loan terms?+
Loan amounts span €200 to €15,000 with terms spanning 6 to 120 and APRs of 19.67% to 19.9%. Funding arrives Within minutes after approval and early repayment is permitted. Eligibility and income checks apply for residents, so review the representative example and contract terms before borrowing.
What are the LHV Pank debit card charges?+
The card is a debit on the Mastercard network with monthly fees of €1. ATM allowances reach €2,000 and currency conversion carries 1%. Limits and charges depend on card tier and usage, so check the price list before travel or withdrawals.
Sources
- lhv.ee/en/consumer-loan checked September 29, 2026
Backs: Loan amount, APR, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term
“Loan amount from 200 to 15,000 euros”
- lhv.ee/et/era-deebetkaart checked September 29, 2026
Backs: Free ATM withdrawals, Monthly fee
“LHV sularahaautomaadist tasuta kuni 2000 EUR kuus - Erakliendi deebetkaart”
- lhv.ee/et/erakaardid checked September 29, 2026
Backs: Card type, Card network
“Erakliendi deebetkaart sobib igapaevaste rahaasjade ajamiseks”
- lhv.ee/et/hinnakiri checked September 29, 2026
Backs: Currency conversion fee
“Konverteerimistasu valisvaluutas tehtud tehingu eest 1% - Deebetkaardid”
- lhv.ee/et/kkk/vaikelaen checked September 29, 2026
Backs: Eligibility
“Laenu saad taotleda siis, kui oled 18-75-aastane”
- lhv.ee/en/about checked September 29, 2026
Backs: Founded
“LHV was founded in 1999”
- lhv.ee/en/conditions-of-savings-account checked September 29, 2026
Backs: Rate type
“Savings Account - Bank shall have the right to establish a new interest rate for each subsequent Deposit Period”
- lhv.ee/en/price-list checked September 29, 2026
Backs: Account fee, Interest on cash, Deposit and withdrawal fees, Pricing model, Stock trade fee
“Maintaining the account free of charge”
- lhv.ee/en/savings-account checked September 29, 2026
Backs: Access terms, Account kind, Headline rate
“Savings Account - Withdrawals not limited by time or by service charges”
- lhv.ee/en/securities-account checked September 29, 2026
Backs: Features, Margin rate, Markets, Minimum deposit, Platforms, Support channels
“Download LHV mobile application”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 28, 2026
Backs: Deposit protection, Headquarters, Investor protection, Legal entity, Regulators, Licences
“ae_homeMemberState=EE”
Compiled from 11 source pages, checked September 29, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Retail accounts that lose money.