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Protect your data and yourself from fraud

From time to time, various scams are attempted to misuse the LHV name and brand. LHV’s logo, typeface, and other brand-related materials have been used to encourage bona fide clients to share their personal information or make a payment from their account to a third party account. To help protect you from potential scams, here are the most common scams so you can identify and avoid them if you need to.

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Fraud sites

  • LHV’s correct Internet Bank and website can be found at:
  • Our website and Internet Bank are in Estonian, English, and Russian.
  • When logging into the internet bank, always make sure you are on LHV’s official banking channel: check that the address is correct, the links are functional, the page has the proper appearance and there is a green padlock symbol on the address bar. LHV internet bank's homepage address always starts with or
  • LHV Financial portal, a website managed by LHV for investment enthusiasts is located on the address Temporarily, articles posted to the portal can be found on the page
  • It is good to know that in addition to Estonia, LHV also has an official branch in London, with a website at
  • If you come across a site with what appears to be LHV’s logos at an address other than or (even if only one symbol is different), or if the site looks suspicious for any other reason, close your browser. Please report a suspicious site to us at
  • In the case of doubt, the safest thing to do is to type in the browser’s address bar, rather than click on the link you have been sent, which looks similar but is different in some characters.

Scam emails

Some features to help you identify a possible scam email:

  • Such emails usually ask you to suspend payments, ensure the security of your account or otherwise log in to your Internet Bank account using a link attached to the email. The emphasis is always on speed, i.e., answering quickly, clicking on links, and giving your details. LHV never sends a request to review or suspend payments by email.
  • LHV’s official communication always takes place via the ‘’ email address. If the end of the sender’s email address is something else (even if one letter is different), please be careful.
  • LHV never sends official emails from ‘@gmail’, ‘@hot’, ‘@mail’ or any other email address for personal use.
  • We do not expect a quick and immediate response (e.g., to prevent fraud) by email.
  • If you receive a suspicious email, do not click on unknown links or share your personal information with anyone. Please report suspicious emails by writing to us at If possible, please attach the original scam email.
  • If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

Fraud messages

Some features to help you identify a possible scam message (or SMS):

  • Fraud messages contain suspicious links, including foreign domains (e.g., or shortened links (e.g., starting with to hide the true destination of the fraudulent link. LHV never sends you links by text messages (SMS).
  • LHV sends its SMS messages from the sender ‘LHV’. However, you should be aware that it is possible to forge the name of the sender. For this reason, the security of a message should not only be assessed by the name of the sender, but also by the content and possible links.
  • LHV never asks you to confirm your payments or stop fraudulent transactions by SMS.
  • If you receive a suspicious SMS, do not click on unknown links or share your personal information with anyone. Please report a suspicious message by writing to us at If possible, attach a screenshot of the suspicious SMS.
  • If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

Voice phishing

Some features to help you identify a possible scam phone call:

  • We usually always call you from the LHV client support number 6 800 400. However, remember that it is possible to forge the caller’s phone number when making a phone call. Therefore, it is not only the number of the caller that should be used to assess the credibility of a call, but also the content of the call.
  • Voice phishing always has an emphasis on time-sensitivity and panic: for example, instantly requesting PINs, bank card numbers or personal information to identify the person who answered the phone. We never ask for personal information when we call you, we already know who we are calling. We also know your LHV username. If during the call, you are asked to do this under the pretext of identifying you, please be careful as this phone call is not from LHV.
  • For example, scam phone calls ask you to enter personal PINs to prevent money from allegedly being withdrawn from your account. It is worth remembering: if we detect a suspicious payment, we will stop it ourselves. We do not ask for your consent or confirmation over the phone, and we never require you to confirm your PIN1 and PIN2 to stop a payment.
  • We always speak to you in the language you have chosen as your preferred language in the LHV Internet Bank. If your language is Estonian, we will never speak to you in Russian or English. All LHV employees speak fluent Estonian. Scam phone calls have been on the rise recently, starting with an attempt to explain in poor Estonian that the caller’s language is not their mother tongue, and offering to switch to Russian or English. This is how you can tell this call is not coming from LHV. It is also advisable for Russian and/or English speaking clients to always be particularly attentive to the content of the phone call.
  • We never ask for your credit card numbers, passwords or codes during the call. We also do not ask you to enter PIN1 and PIN2 codes. Not even if there is a problem with your card or a related transaction.
  • If you receive a suspicious phone call, please do not share your personal details with anyone, disconnect the call immediately and let us know by writing to
  • If you have already given your data to a third party, please call our client support number (+372) 6 800 400 immediately, regardless of the day of the week or time of day. Outside of working hours, our partner will help you.

If you have fallen victim to fraudsters, entered on a suspicious page or given out your personal details to strangers, please let us know as soon as possible by calling the LHV client support number (+372) 6 800 400.

Outside of working hours, our partner will help you. In addition, be sure to report the incident to the police.

  • Filling out the crime report is convenient and quick. Every report, regardless of the amount of damage, is very important to the police in catching criminals. We help the police in every way by providing additional information.
  • If the fraudsters are caught, the money will be returned to the victims who have filed a claim, if possible. It may not happen right away, but even after a year or two, there may be a chance to get your money back.

Some examples of common fraud schemes

Know how to spot and recognise the most common fraud schemes.

Transferring money to a ‘secure account’

You may receive a phone call or text message telling you that your account has been hacked and you need to transfer money to a ‘secure account’ immediately. Usually, there is an insistence that you have to act very quickly to avoid losing all your money. You may also receive instructions and an account number on how to make the payment to the ‘secure account’ yourself as soon as possible. Unfortunately, this account is under the control of a fraudster and the money cannot be recovered.

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Pen-pal and/or romance scam

Victims are often single older people who are approached via social media (e.g., Facebook) or dating apps (e.g., Tinder). There is a desire to become pen-pals, the conversation is friendly and can turn romantic. Such a scam can take several months. Initially, the aim is to gain the victim’s trust until they believe they have met the love of their life. After a while, the ‘trusted pen-pal’ will start asking for money or asking you to make transfers on their behalf. There can be many reasons and excuses for this. The most common of these is sudden illness, where money is asked to pay hospital bills. Sometimes this is due to an unexpected travel emergency, where the ‘pen-pal’ asks for financial help to buy plane tickets to return home. For example, they may promise to visit the victim to pay back the money. In addition, access to the victim’s account may be requested. This type of scam is very popular to find ‘money mules’, i.e., the victim’s bank account is used to transfer money obtained criminally to ensure the anonymity of the beneficial owners. Usually, the excuse is that the account cannot be accessed at the moment (e.g., forgotten password, etc.). When a bona fide person falls into the role of a ‘money mule’, they are engaging in money laundering and this can have very serious consequences.

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Message from a friend or acquaintance via social media

In this type of scam, a friend’s or acquaintance’s social media account has been taken over by fraudsters. For example, the victim receives a message on Facebook or Instagram from a friend or acquaintance asking for a quick transfer of money. This is because they have run into difficulties while travelling and need extra money to sort things out or get home. This scam can also be used to share links that infect the victim’s device with malware. This allows scammers to copy the victim’s details or identify their Internet Bank login details.

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Suspicious ‘investment pages’ on social media

Victims are being offered an incredibly good investment opportunity on social media, promising zero risk and an extremely high rate of return. It is mainly related to investing in crypto assets. The victim is asked to open an account on a specific crypto platform and send the crypto to the Wallets provided by the scammers. There are also scams where an initial investment is returned to the victim in the form of ‘earned profit’, and the victim is then persuaded to ‘invest’ even more. Part of the investment scam is also known as Ponzi schemes, where victims are steered into investing in various businesses with very high rates of return. Initially, a certain amount of money is returned to the victim to encourage them to invest increasing amounts. There have also been many cases in Estonia where well-known people are used to promote investment schemes. For example, articles are published in which a well-known person praises a particular investment campaign, often with a link to access the investment platform.

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Job advertisement fraud

Job advertisements are shared on social media, including the names of highly trusted companies. You will be offered a simple job that does not require many skills. The scam involves asking for money, for example, for a background check or to review a job application. In addition, there is a possibility that the victim will be directed to open an account at a bank. They will then be asked to log in to their account and use the victim’s personal information collected during the job application. It is used to take out loans, open credit cards, etc. in the victim’s name. In addition, job advertisement fraud is also widely used to recruit ‘money mules’, where the job advertisement involves transferring money from one account to another. Victims of job advertisement fraud are often selected from those areas of the country where unemployment is highest.

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Fraud related to known authority or service provider

Victims receive a scam call from the ‘police’, ‘tax office’ or some other well-known agency. The call tells the client that they have unpaid fines or taxes and demands immediate payment. Otherwise, the victim is to be immediately ‘arrested’ and sent to prison. A similar scheme is used to pretend to be a service provider. For example, a victim may receive a phone call saying they are having problems with their service (e.g., internet bandwidth and coverage, or a package in transit). You will be asked to make a transfer or, for example, download an additional programme to your computer that will allow fraudsters to take over your account and drain your money.

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Facebook Marketplace

The victims are people, who sell goods at Facebook Marketplace. The supposed buyer (fraudster) contacts the seller via Messenger, shows interest in the goods and asks the seller to send it to the fraudster by courier. The buyer sends the seller a fake courier service link, where they ask to insert the seller’s personal details (e.g. bank card number, mobile-ID or Smart-ID codes, etc.). At the same time the fraudster makes a transaction with the seller’s card data or payment confirmation in a cryptocurrency platform, for example, or adds the seller’s bank card to someone else’s digital wallet to abuse it. The fraudulent page may look like the ordinary website of Omniva or another courier service, where one can enter the seller’s and bank card details. In addition, fraudsters may create a fake sales environment, offering products that do not exist – victims make a prepayment to the fraudster seller, but never receive the goods.

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Omniva and parcel services

Fraudsters send fake Omniva parcel notifications, trying to lure people to share their personal details. They also call people, claiming to be Omniva’s employees and trying to defraud money. There is a link in the package SMS with which it is apparently possible to pay for the parcel (e.g. customs tax). At first it may seem that this is a reliable Omniva link, where one can enter card data and, upon inserting the data, an SMS with confirmation code is sent. Actually, this is a fraudulent link and the inserted card data is abused (e.g. transactions are made with various service providers, or a bank card is added to a stranger’s digital wallet).

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Fraudsters create a fake social media account through which they organise fraudulent draws or sell expensive products (e.g. smartphones, tools, etc.) with cheap prices. Fraudsters write to people that they have won a prize. Actually, this is a fraud scheme, the aim of which is to get access to the personal data of people or defraud money from them. Fraudsters send a link to the draw winner, asking to insert their card data, which is later abused.

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