Gold Debit Card
LHV’s au-clients use the LHV Gold Card for everyday settlements
- Broad-cover travel insurance
- Purchase insurance
- Free Estravel Gold Card in mTasku
- Annual interest rate of 1% on the current account is accounted on sums up to 100,000 euros
Gold Debit Card Features
Broad-cover travel insurance
The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The sums insured apply for each insured person and insured event separately. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car deductible. Please bare in mind that most car rental companies may only accept credit card payments. The travel insurance applies to both business and personal trips, if you have an active Gold Card. Travel insurance is provided by the LHV Kindlustus. What does the travel insurance cover?
The purchase insurance included with the Gold Debit Card provides 180 days of protection for durable goods that you have paid for with a Gold Debit Card. The insurance protects against unexpected breakage, even if the incident was your own fault.
There is a maximum sum insured for every insured object, insured event and calendar year.
The deductible for each insured event is 30 euros.
Estravel Gold Card in mTasku
To always ensure convenient travel and the best possible service, the LHV Gold Card may be supplemented with free mTasku Estravel Gold Card. Estravel Gold Card holders receive priority service at Estravel, along with price discounts when purchasing travel services, numerous permanent discounts and special offers from Estravel’s partners. An au-client receives the information on ordering Estravel Gold Card along with the LHV Gold Card. Estravel Gold Card information
Functions also abroad and online
You can use LHV cards to pay in Estonia, abroad, as well as online.
With LHV cards you can make convenient and fast contactless payments. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.
Terms and conditions for becoming an au-client
The prerequisite of becoming an au-client is that you receive 2000 € to LHV Pank every month or the volume of your assets at LHV Pank exceeds 50,000 €. au-client’s monthly fee is 10 €.
Cash withdrawal from LHV’s ATM is free of charge. Cash withdrawal from the ATMs of other banks, in Estonia as well as Europe, is only 1 €. ATM locations
View card’s PIN code in the LHV mobile app or internet bank.Read more
The number of the account tied to the card is located on the rear of the card
Secure card payments online
To ensure security and raise the feeling of confidence when making payments on the Internet, LHV has added a new security feature to its bank cards. After entering card data and the confirmation code, you must log in to the LHV internet bank as an additional form of identification, or use the security code sent to your mobile phone via SMS.Read more
Invest with every card payment
Microinvestment enables you to grow your investment portfolio without even noticing, investing up to 1 euro to your Growth Account with each debit card payment.
Card mailed to your home
We will mail the card conveniently to your home, free of charge.
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.Read more
Google Pay is a faster and more secure way to pay, both offline and online.Read more
Your good deed
Activate a permanent donation with your card and do a good deed with each card payment.Read more
The travel insurance is valid worldwide for private and business trips lasting up to 90 days. In addition to you, family members travelling with you are also insured.
The insurance covers, for example, medical assistance, damage to luggage, trip cancellations and interruptions and missed departures, and rental car insurance excess.
Travel insurance is provided by LHV Kindlustus AS. Be sure to read the Gold Card insurance conditions that list the types of insurance cover and the applicable exclusions.
The sums insured and indemnity limits indicated in the table apply to each insured person and each insured event separately. Example: A family member’s illness delays a family trip for which airline tickets have been purchased. In this case, we will reimburse the costs of exchanging the air tickets up to 150 euros per family member.
|Insurance cover||Sum insured/indemnity limit||Excess|
|Travel disruption insurance|
|Travel disruption sum insured||€ 2,000|
|including change of flight tickets||€ 150|
|including purchase of essential items in the event of a public transport delay||€ 200/€ 300||4 hours/24 hours|
|including the indemnity limit for event tickets if your trip has to be cancelled||€ 150|
|Medical assistance sum insured||€ 500,000|
|including the indemnity limit for dental care||€ 500|
|including the indemnity limit for a medical device||€ 200|
|Luggage insurance sum insured||€ 1,000|
|including the indemnity limit for delayed luggage||€ 500||up to 4 hours|
|including the indemnity limit for smart devices and video equipment||€ 500|
|including the indemnity limit for replacement documents||€ 200|
|In the case of permanent disability||Sum of up to € 50,000|
|In the case of death (insured person over 16 years of age)||€ 50,000|
|In the case of death (insured person up to 16 years of age)||€ 2,000|
|Liability insurance sum insured||€ 100,000|
|including in the case of damage to sports equipment, premises, apartment or building in the possession or use of the insured person||€ 2,000|
|Legal costs sum insured||€ 10,000|
|Bail indemnity limit||€ 5,000|
|Rental car insurance excess|
|Rental car excess sum insured||€ 10,000|
The purchase insurance included with the Gold Card provides 180 days of protection for durable goods that you have paid for with a Gold Card.
The insurance protects in various cases where an item has been broken, destroyed or stolen. For more information, please read the terms and conditions of insurance.
Purchase insurance is provided by LHV Kindlustus.
Validity 180 days
Deductible 30 euros
The sum insured is the purchase price of the insured objects, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5000 euros
Limit of indemnity
5000 euros for each insured event
Up to 10,000 euros per year
Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.
Claims and travel assistance
Tel +372 680 1122 (24/7)
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),
Price list and terms and conditions
Free (the applicant must conclude an LHV AU-Client agreement)
|Issuing, renewal, closing|
Free of charge
Free of charge at LHV ATMs
|Conversion fee for transactions in foreign currencies|
1% of transaction amount
|Information request from an ATM|
Free of charge from LHV ATMs, from the ATMs of other Estonian banks 0.20 €
To apply for a card, you must be an Au-Client of LHV
1 The EEA includes 28 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
Travel and Purchase Insurance is offered by AS LHV Kindlustus. The policyholder is LHV Pank AS. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist.