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Gold Debit Card

LHV’s Au-clients use the LHV Gold Card for everyday settlements

  • From recycled plastic
  • Broad-cover travel and purchase insurance
  • Free Estravel Gold Card in mTasku
  • Also available as a virtual card
  • 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?

Purchase insurance

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.

Contactless payment

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 2,000 € 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

PIN code

View card’s PIN code in the LHV mobile app or internet bank.

Read more
Account number

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.

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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.

Apple Pay

Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.

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Google Pay

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 coverage is valid up for personal and business trips up to 90 days anywhere in the world. Family members travelling with you are also insured.

We recommend that you order the Gold Card in good time before the trip, as it can take up to a week for the card to arrive in the post and the insurance coverage will only take effect upon activation of the plastic card. If you ordered the virtual card, be sure to note that with virtual cards, the insurance coverage will take effect 72 hours after activation.

The insurance covers, for example, medical care, baggage losses, travel cancellation and interruption and delayed departure. Rental car excess insurance is also included.

Covid-19 cover.

  • If you contract Covid-19 while abroad and need medical care as a result, we will provide up to 500,000 euros compensation for medical costs.
  • If your trip is cancelled or interrupted because you or a travel companion contracted Covid-19 or was ordered to self-isolate, we will compensate up to 2,000 euros in costs related to travel curtailment per insured person.

Insurance coverage does not apply to loss events related to insufficient travel documents or other matters related to organization of travel. For example, if you are not allowed to enter a country due to lack of an appropriate coronavirus test or a country’s borders are closed, these expenses will not be covered. Nor are expenses related to Covid-19 testing and other documents necessary for travel covered. Also excluded: expenses incurred due to restrictions established on border crossing in the country of destination or country of transit. Be sure to read the travel advice posted by the Health Board and Ministry of Foreign Affairs while planning travel.

This travel insurance is provided by LHV Kindlustus. Be sure to read the Terms and conditions of Gold Card insurance for what is covered and excluded.

The sums insured and limits on indemnity listed in the table apply separately for each insured person and each insured event.

Insurance coverSum insured/limit of insuranceDeductible
Travel interruption insurance
Insured sum for travel interruption insurance€ 2,000€ 50
incl. the compensation limit for event tickets in the case of trip cancellation€ 150
incl. the purchase of essential items in the event of a public transport delay€ 200/€ 3004 hours/24 hours
Medical assistance insurance
Insured sum for medical assistance insurance€ 500,000
incl. the limit for insurance for dental treatment€ 500
incl. the limit for insurance for reimbursement of a medical device€ 200
Covid- 19 cover
Insured sum for medical assistance insurance€ 500,000
Insured sum for travel interruption insurance€ 2,000
Baggage cover
Insured sum for luggage insurance€ 1,000€ 50
incl. the compensation limit for smart and video equipment€ 1,000€ 200
incl. the luggage delay compensation limit€ 500up to 4 hours
incl. the reimbursement limit for the replacement of documents€ 200
Accident insurance
In the case of a permanent disabilitySum of up to € 50,000
In the case of death (person over 16 years of age)€ 50,000
In the case of death (person less than 16 years of age)€ 2,000
Liability cover
Sum insured for liability insurance€ 100,000
incl. in the case of damage to sports equipment, premises, apartments or buildings in the possession or use of the Insured Person€ 2,000
Legal costs
Sum insured for legal expenses€ 10,000
Limit of insurance for security€ 5,000
Rental car excess insurance
Insured sum for rental car excess insurance€ 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.

Insurance coverage
Validity 180 days
Deductible 30 euros

Sums insured
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 5,000 euros

Limit of indemnity
5,000 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)

Customer support
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),

Price list and terms and conditions

Monthly fee

Free (to use the card, conclude an Au-client agreement a monthly fee of which is 10 euros)

Renewal, closing

Free of charge


5 €

Replacement to a virtual card is free of charge

Cash withdrawals
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 2,000 € per month)
  • ATMs of other banks: from the current account in Estonia, the United Kingdom and a contracting party to the EEA Agreement € 11 (+ 0.3% of any amount in excess of 2,000 € per month) and, elsewhere abroad 2 € + 2.5% of the amount
Cash deposits

Free of charge at LHV ATMs

Conversion fee for transactions in foreign currencies

1% of transaction amount

Currency Conversion calculator for MasterCard transactions

Information request from an ATM

Free of charge from LHV ATMs, from the ATMs of other Estonian banks 0.20 €

Applicant requirements

To use the card, you must be an LHV Au-client

1 The EEA includes 27 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
Travel and Purchase Insurance is offered by 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.


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