Price List

Accounts and bank transfers

Valid as of 01.12.2022

Accounts
Opening an accountfree of charge (1)
Maintaining the accountfree of charge (1)
Closing the accountfree of charge
Establishment of the right of representation and opening of an account in a non-managed and managerless apartment association100 € (2)
Cash pooling account (↗)
Agreement signing200 €
Amendment of agreement50 €
ENTREPRENEUR ACCOUNT (↗)
Openingfree of charge
Monthly account administration fee (turnover up to €500/month)free of charge
Monthly account administration fee (turnover from €500 (incl.)/month)€5
Closingfree of charge
Standing payment orderINTERNET BANK OR MOBILE APP (3)WITH LHV CLIENT SERVICE (4)
Conclusion, termination and changing of the agreementfree of charge5 €
Standing order
Intra-bank paymentfree of charge
European paymentfree of charge
E-invoice standing orderINTERNET BANK OR MOBILE APP (3)WITH LHV CLIENT SERVICE (4)
Conclusion, termination and changing of the agreementfree of charge5 €
Standing order
Intra-bank paymentfree of charge
European paymentfree of charge
PaymentsINTERNET BANK OR MOBILE APP (3)WITH LHV CLIENT SERVICE (4)
European payment -
Payment order (SEPA)
(5)
outgoing payment (6)free of charge5 €
incoming paymentfree of charge
European express payment (7)
outgoing payment, shared fees (13)-22 €
incoming payment (8)7 €
Intra-bank payment (15)
outgoing paymentfree of charge5 €
incoming paymentfree of charge
Wise payment
outgoing paymentAccording to Wise service fees
Foreign payments (9)INTERNET BANK OR MOBILE APP (4)WITH LHV CLIENT SERVICE (3)
Outgoing payments
[-] An ordinary payment, shared fees (10) (16)7 €12 €
[-] An urgent payment, shared fees (11) (16)9 € / 17 €22 €
[-] An express payment, shared fees (16)32 €37 €
[-] Full amount to beneficiary, additional fee (12) (13)22 €22 €
Outgoing payments - Payment order between third countries (non-SEPA)
[-] An ordinary payment, shared fees (16)7 €12 €
[-] An urgent payment, shared fees (16)17 €22 €
[-] An express payment, shared fees (16)32 €37 €
[-] Full amount to beneficiary, additional fee (12) (13)22 €22 €
Incoming payments (8) (16)7 €
Other fees concerning payments
Correction or cancellation of a foreign payment, recall of payment, inquiries regarding foreign payments25 € (14)
Issuing a foreign payment confirmation /
issuing a copy of a SWIFT message /
Issue of payment journey information
10 €

[disclaimer] (1) Except non-residents and business entities related to them. You can familiarize yourself with non-residents pricelist here.
(2) The service fee is not applied if the apartment association submits a valid notarised power of attorney concerning the appointment of a representative.
(3) Also applies to payments made via bank link, open banking, and Connect.
(4) Includes service in a client office or by digital signing. Also, transactions carried out by phone through a client executive of LHV private banking.
(5) European payment or Payment order (SEPA) is a payment made in Euro currency within Estonia or the SEPA area. The service fee type - shared. The use of IBAN is mandatory for European payment. European payment is made as Instant Payment if the payment amount is up to EUR 100,000 and the beneficiary's bank has joined the pan-European instant payment system (RT1).
(6) All fees for the financial institutions, payment services providers and customers who make more than 5,000 outgoing payments per month will be agreed separately.
(7) European express payment is a payment where beneficiary´s bank is a member of the Target2 payment system. Payment currency is euro. Beneficiary receives payment same settlement day, within 2 hours. The Payment Instruction shall be executed, if accepted by the Bank on a Settlement Day before 17:00.
(8) The fees of other banks may be added to the fees of LHV Bank. Receiving a full payment to the payee is free of charge, unless payment is received from the European Economic Area bank.
(9)) Foreign payment is payment: 1) the beneficiary’s bank is in SEPA area and the payment currency is not euro or 2) the beneficiary’s bank is in SEPA area and the payment currency is euro but beneficiary´s bank is not member of pan- European payment system RT1 or STEP2 or 3) the beneficiary´s bank is located outside of SEPA area and the payment currency is any currency supported by LHV Pank (inc. EUR).
(10) The payment can not be selected if the beneficiary's bank is located in the European Economic Area and the payment currency is in a circulation in the European Economic Area.
(11) Fee, 9 €, applies if the beneficiary's bank is located in the European Economic Area and the payment currency is in a circulation in the European Economic Area.
(12) The remitter pays the service fee of LHV Pank and foreign banks. If the full amount of service fees exceeds the service fee amount paid by the remitter for LHV Pank, the current account of the remitter shall be automatically debited with the corresponding difference of service fees. The remitter’s bank cannot guarantee that the full amount is transferred to the beneficiary’s account – it can only guarantee that the full amount is transferred by the correspondent bank.
(13) Full amount to beneficiary (OUR) type of service fee can not be selected if the payment payer´s and beneficiary´s bank is located in the European Economic Area.
(14) The fee is applicable if the payment has been sent out from LHV Pank or received by LHV Pank. Service fees of other banks or payment intermediaries can be added.
(15) Intra-bank payment is a payment order, made within Estonian region (SEPA) in accordance with SEPA regulations, where insertion of IBAN is mandatory. It is a shared cost type payment. The payment recipient’s account is in LHV Bank. The recipient receives the payment immediately.
(16) Correspondent bank fees are deducted from the amount of the transferred payment if the beneficiary´s bank is located outside the countries of the European Economic Area or the currency is not in a circulation in the European Economic Area (for example USD). The beneficiary may therefore receive a smaller amount than was initiated by the payer.

Bank link
Conclusion of the agreementfree of charge
Transaction fees
[-] Identification servicefree of charge
[-] Payments and identification service1% of the transaction amount, max 3 € per transaction
Connect
Conclusion of the agreementfree of charge
Monthly feefree of charge
Cash withdrawal from LHV office (9)
Transaction fee0.4% of the transaction amount
Other fees
Account overdue charge (10)0.1% per day
Debt collection fee5 € (11)
Issuing documents and certificates10 € (11)
Currency exchange on the account without making a payment in a client office10 €
Setting up Smart-ID in a client office10 € (12)
Statements
[-] Account statement (13) (14) (15)10 €
[-] Other statement or certificate10 €
Responding to inquiries
[-] Responding to inquiries (16)10 €
[-] Inquiries from auditors20 €
PIN calculator
[-] Issuing50 €
[-] Replacing50 €

[disclaimer] (9) Service is available only in a client office for customers with Private Banking Services Agreement.
(10) Overdue charge is applied for clients who have minus on their account and who have not accepted special terms and conditions for loan and margin transactions and who do not have an active overdraft agreement.
(11) The price includes VAT of 20%. The VAT rate is 0% for VAT-liable legal persons from EU countries other than Estonia as well as for legal persons from outside the EU.
(12) The price includes VAT of 20%.
(13) Account statements in the internet bank are free of charge.
(14) Account statement fee is applicable to one statement of one bank account.
(15) An extra fee of 0.1 € is applicable to every page starting from the 6th page of account statement printed in the Client office.
(16) Except for the inquiries from the state, supervisory, law enforcement authorities and notaries concerning the rights and obligations of the bequeather.

Bank link
Conclusion of the agreementfree of charge
Transaction fees
[-] Identification servicefree of charge
[-] Payments and identification service1% of the transaction amount, max 3 € per transaction
Connect
Conclusion of the agreementfree of charge
Monthly feefree of charge
Cash withdrawal from LHV office (9)
Transaction fee0.4% of the transaction amount
Other fees
Account overdue charge (10)0.1% per day
Debt collection fee5 € (11)
Issuing documents and certificates10 € (11)
Statements
[-] Account statement (11) (12) (13)10 €
[-] Other statement or certificate10 €
Responding to inquiries
[-] Responding to inquiries (14)10 €
[-] Inquiries from auditors20 €
PIN calculator
[-] Issuing50 €
[-] Replacing50 €
Debt collection fee5 € (15)

[disclaimer] (9) Service is available only in Tallinn office for customers with Private Banking Services Agreement.
(10) Overdue charge is applied for clients who have minus on their account and who have not accepted special terms and conditions for loan and margin transactions and who do not have an active overdraft agreement.
(11) Account statements in the internet bank are free of charge.
(12) Account statement fee is applicable to one statement of one bank account.
(13) An extra fee of 0.1 € is applicable to every page starting from the 6th page of account statement printed in the Client office.
(14) Except for the inquiries from the state, supervisory, law enforcement authorities and notaries concerning the rights and obligations of the bequeather.
(15) VAT of 20% is included in the price. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.

Bank cards

Valid from 01.12.2022

Debit cards and credit cards

Cards
Primary plastic card orderfree of charge
Each subsequent plastic card order5 €
Virtual card order (1)free of charge
Renewalfree of charge
Closingfree of charge
Replacement5 €
Replacement to a virtual cardfree of charge
Conversion fee for transactions in foreign currencies1% of transaction amount
Depositing cash with a debit card at LHV ATMsfree of charge
Issue of emergency card or emergency cash in a foreign countryactual costs, up to 150 €
Express order for a bank card (8)25 €
Ordering a bank card to a client office10 €
Receiving a temporary card from a client office10 €
FEE FOR A GROUNDLESS DISPUTE OF A CARD TRANSACTION
[-] Undue claim for recovery25 €
CARD DELIVERY
[-] By regular mail in Estoniafree of charge
[-] By regular mail abroad15 €
[-] By registered mail in Estonia or abroad20 €
[-] By courier in Estonia or abroad20 € + fee according to the service provider
Balance and Transactions Query
[-] From LHV ATMsfree of charge
[-] From other ATMs in Estonia0.2 €
[-] From other ATMs in a foreign country0.4 €
Cash withdrawal from current account
[-] From LHV ATMsfree of charge + 0.3% of the amount that exceeds 2,000 € per month
[-] From other ATMs in Estonia, Great Britain and in any other Member State of the European Economic Area1 € + 0.3% of the amount that exceeds 2,000 € per month
[-] From other ATMs in another foreign country2 € + 2.5% of the amount
[-] From another bank’s office2 € + 2.5% of the amount
Withdrawal of cash from a credit account and transfer from the credit account to the current account (5)2 € + 2.5% of the amount
Debit Card, Partner Debit Card, Football Debit Card, Youth Card
Virtual card monthly feefree of charge
Monthly fee1 €
Monthly fee for persons under 26 years of agefree of charge
Monthly fee for persons from 65 years of agefree of charge
PRIVATE CREDIT CARD, PARTNER CREDIT CARD, ALEXELA HOME CREDIT CARD (2)
Monthly fee1 €
Monthly fee for persons under 26 years of agefree of charge
Monthly fee for persons from 65 years of agefree of charge
Interest rate16-21% per year on the used amount of credit limit (3)
Overdue chargecontractual interest rate
Interest rate of the exceeded limit36% per year of the credit limit exceeded
Business Debit Card
Monthly fee2 €
Business Credit Card (2)
Monthly fee2 €
Interest rate18% per year on the used amount of credit (3)
Overdue charge0.2% per day
Interest rate of the exceeded limit36% per year of the credit limit exceeded
Gold Debit Card (6)
Monthly feefree of charge (9)
Monthly fee for additional card (incl. on a virtual card)10 €
Gold Credit Card (6) (2)
Monthly feefree of charge (9)
Monthly fee for additional card (incl. on a virtual card)10 €
Interest rate18% per year on the used amount of credit (3)
Overdue chargecontractual interest rate
Interest rate of the exceeded limit36% per year of the credit limit exceeded
Charge Card
Monthly fee2 €
Overdue chargeECB interest rate (4) + 7% per year
Interest rate of the exceeded limit36% per year of the credit limit exceeded
Platinum Card (7)
Monthly feefree of charge
Monthly fee for additional card (incl. on a virtual card)30 €
Credit card interest rate14% per year on the used amount of credit (3)
Credit card overdue chargecontractual interest rate
Interest rate of the exceeded credit limit36% per year of the credit limit exceeded
the Priority Pass salon visit fee
[-] for user of Platinum Credit Cardfree of charge
[-] for persons accompanying Platinum Credit Card user32 $ per visitor

[disclaimer] (1) Debit cards for private customers can be ordered as a virtual card (except Partner debit card).
(2) Transactions with the card while purchasing goods or services (cash withdrawals from ATMs are excluded) have an interest free period, starting from the day of the transaction until the repayment date of month following the transaction (in case the repayment date has not been agreed on in the agreement, then until the 20th day of the month following the transaction).
(3) The precise interest rate depends on the credit card type and the client’s estimated credit worthiness.
(4) The interest rate applicable to the main refinancing operations of the European Central Bank (ECB).
(5) In the case of an amount withdrawn in cash from a credit account or transferred to a current account, interest calculation begins immediately, i.e. there is no interest-free period. Interest is not calculated if free money that exceeds the amount of the credit limit is withdrawn or transferred from the credit account. For example: if the credit limit is €500, and the credit account has €600, then when withdrawing €100 in cash or transferring it to a current account, interest will not be calculated nor will a transfer fee be charged from the credit account to the current account. If the transfer is made at a client office, the usual transfer feemade at a bank office will be added.
(6) A Gold Card is issued to a client who meets the criteria of an Au-client and concludes an Au-client agreement. The added benefits of a Gold Card include travel insurance, purchase protection insurance and upon client request Estravel Gold Card.
(7) A Platinum Card is issued to a customer who meets the criteria of Private Banking and enters into a Private Banking Services Agreement. With the Platinum Card, you are able to choose between a Platinum Debit Card and Platinum Credit Card. The added benefits of a Platinum Card include travel insurance, purchase insurance and an Estravel Platinum Club card will be issued to the customer upon their request.
(8) The card will be available for pick-up at the LHV Tallinn, Tartu or Pärnu office. Delivery elsewhere will include a courier fee based on the actual cost.
(9) Gold Card’s monthly fee without an Au-client agreement is 10 €.

Payment acquiring

Valid from 14.07.2020

AGREEMENT FEES AND OTHER CHARGES
Conclusion of the agreementfree of charge
Service charge of transactionas agreed
Monthly feefree of charge

Servicing of payment cards

Valid as of 01.12.2022

Agreement fees and other fees
Agreement signingfree of charge
Payment card service feeupon agreement
Monthly terminal rental fee (1)upon agreement
Monthly fee of e-commerce terminal (1)upon agreement
Early termination of agreement (2)50 €
Processing fee for chargeback25 €

[disclaimer] (1) Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.
(2) Early termination fee applies if the Merchant terminates the agreement within 6 months of signing the agreement.

Deposits

Valid as of September 14, 2022

CURRENT ACCOUNT (1)
CurrencyInterest rate
Interest rate on current accountsEUR0.01%
Term deposit
Interest rates

[disclaimer] (1) The interest rate on current accounts is calculated daily on the current account balance as at the end of the day and rounded to two decimal places. The accrued interest shall be paid out at the beginning of the following month. Interest rate is expressed as a percentage per 360-day year. Interest rate for currencies other than EUR is 0%. The price list applicable to current accounts of payment intermediaries and financial institutions is determined based on a separate agreement with the client.

Pension

Valid from 14.04.2022

Payouts
II pillar
Application for single payout3 €
Application for fund pension5 €
Application for suspension of contributions3 €
Application for full payout15 €
III pillar
Submitting a payout application3 €
Succession (1)
II pillar
Resale of inherited fund units or pension investment account assets20 €
Transfer of inherited fund units to the successor's pension account3 €
III pillar
Resale of inherited units or transfer to inheritor’s pension account3 €
Inquiries
Pension account statement from a bank office1.5 € 20% plus VAT
Pension Investment Account transaction fees (2)(3)
Estonian (OMX Tallinn), Latvian (OMX Riga) and Lithuanian (OMX Vilnius) sharesfree of charge
US, Finnish, Swedish, German, UK(2), Canada, Russian, Danish, Norwegian, Italian(2), Spanish(2), French(2), Netherlands, Portugese, Belgian, Austrian, Polish and Swiss shares0.14%, minimum 9 €
Bonds (4)6 € + 0.2%
Fund units
[-] LHV Maailma Aktsiad FondPurchase transaction free of charge; Sales transaction 1%
[-] Other funds (5)Purchase and sales transaction 1%
Fund switch5 €
Automatic investments
Purchase1%
Saleaccording to the Account Price List
Pension Investment Account management fees (6)
Estonian, Latvian and Lithuanian sharesfree of charge
Securities (excl. securites listed above)
[-] up to 50,000 €free of charge
[-] The part exceeding 50,000 €0.01% per month, plus VAT

[disclaimer] (1) Fee applies to each application
(2) Financial transaction tax may be implemented on the purchase of certain securities: 0.2% of trade size for Spanish shares, 0.2% of trade size for Italian shares, 0.3% of trade size for French shares, 0.5% of trade size for UK shares, and 1% of trade size for Irish shares.
(3) Transaction fees are taken in the trading currency of the security
(4) Minimum amount of 50,000 euros is required, except bonds traded on Nasdaq Baltic bond list.
(5) In case of a purchase or sale of Avaron Asset Management fund units, the fund’s subscription or redemption fee may apply according to the terms and conditions of the fund.
(6) Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to management fees.

Securities

Valid as of 01.12.2022

Transaction fees (1)(2)
Account, Portfolio Management AccountINTERNET BANK OR MOBILE APPWITH LHV CLIENT SERVICE
Estonian (OMX Tallinn), Latvian (OMX Riga) and Lithuanian (OMX Vilnius) shares (3)free of charge25 € in addition to transaction fee
US, Finnish, Swedish, German, UK (1), Canada, Russian, Danish, Norwegian, Italian(1), Spanish(1), French(1), Netherlands, Portugese, Belgian, Austrian, Polish and Swiss shares0.14%, minimum 9 €25 € in addition to transaction fee
Bonds (4)6 € + 0.2%25 € in addition to transaction fee
Account, Portfolio Management Account
Other sharesupon agreement
Options
US options6 €/contract
[-] Exercise17 €/contract
[-] Modification or cancellation of an option order3 €
Fund units
[-] LHV Maailma Aktsiad FondPurchase transaction free of charge; Sales transaction 1%, max 3 €
[-] Other funds (5)Purchase and sales transaction 1%, max 3 €
Fund switch5 €
Growth Account
Purchase1%
Saleaccording to the Growth Account price list(6)
Crypto Assets
Purchase and sale transaction0,5%

[disclaimer] (1) Financial transaction tax may be implemented on the purchase of certain securities: 0.2% of trade size for Spanish shares, 0.2% of trade size for Italian shares, 0.3% of trade size for French shares, 0.5% of trade size for UK shares, and 1% of trade size for Irish shares.
(2) Transaction fees are taken in the trading currency of the security
(3) Up to 100 transactions per calendar month are free, the fee for each transaction exceeding the cap is 0.2% of the value of each transaction (valid from 12.12.2022).
(4) Minimum amount of 50,000 euros is required, except bonds traded on Nasdaq Baltic bond list.
(5) In case of a purchase or sale of Avaron Asset Management fund units, the fund’s subscription or redemption fee may apply according to the terms and conditions of the fund.
(6) 0 € is applied to Growth Account sales fee when the client has signed a home loan agreement in LHV Bank, and the lent money has not been deposited to client's account yet.

Management fees (12)
Account (7) (8)
Estonian, Latvian and Lithuanian sharesfree of charge
II pillar pension fund unitsfree of charge
III pillar pension fund unitsfree of charge
Securities (excl. securites listed above)
[-] Private person up to 50,000 €free of charge
[-] Legal person up to 50,000 €0.01% per month, min 2 €, plus VAT
[-] The part exceeding 50,000 €0.01% per month, plus VAT
Growth Account (7) (8) (10)
[-] Up to 30,000 €0.02% per month, min 0.5 €, plus VAT
[-] The part exceeding 30,000 €0.01% per month, plus VAT
[-] Persons under 26 years of agefree of charge
Portfolio Management Account (8) (11)
Assets0.1% per month, min 30 €, plus VAT
Baltic analyses
Monthly fee5 €, plus VAT
Trader
Monthly fee10 € + 0.01% per month, plus VAT
Crypto Assets
Purchase and sale transaction0,5%

[disclaimer](7) Management fee is calculated on the basis of a month’s average market value of securities. If the market value is not available, the nominal value is taken as a basis.
(8) No fee is charged for an empty account.
(9) Fee is payable for each calendar month where the client has an active contract as of the 1st calendar day of the given month. The Baltic analysis service is without additional fee for the holders of Au-client and Private Banking agreement.
(10) First year free of charge.
(11) Management fee is calculated on the basis of a month’s average market value of the assets (incl. money, deposits and securities). If the market value is not available, the nominal value is taken as a basis.
(12) Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to management fees.

Other fees (13)
Account, Growth Account, Portfolio Management AccountINTERNET BANK OR MOBILE APPWITH LHV CLIENT SERVICE
Security transfers (14)
[-] Free of payment (FOP) transfer of Baltic securities to LHV accountfree of charge
[-] Free of payment (FOP) transfer of Baltic securities from LHV account3 €25 € in addition to transaction fee
[-] Free of payment (FOP) transfer of foreign securities between banks15 € (15)(16)25 € in addition to transaction fee
[-] Free of payment (FOP) transfer of foreign securities out of account within LHV3 €25 € in addition to transaction fee
[-] Free of payment (FOP) transfer of foreign securities to account within LHVfree of charge
[-] Delivery versus payment (DVP) transfer of securities-15 €
Baltic account manager change10 €
Pledge registration10 €
Opening pledge account20 €
Transaction with pledged securities20 €
Corporate actionsfree of charge
Changing the securities market to another market25 € + costs incurred by external operators
[-] Estonian, Latvian and Lithuanian security buying from IPO or additional offering (17)3 €25 € in addition to transaction fee
[-] Subscription of foreign securities and participation in voluntary corporate events with foreign securities, which may be supplemented by service fees of foreign external operators (17)(18)10 €25 € in addition to transaction fee
Participating in shareholders meetingupon agreement
Russian corporate actions (participating in shares buy back)50 € + actual costs
Transmission of electronic voting instructions for the general meeting10 €
Amendment of a paper security certificate to electronic form50 €
LEI code administrative service
Initial LEI code registration for one year120 €, plus VAT
Yearly renewal of the LEI code80 € per year, plus VAT

[disclaimer] (13) If there should be additional brokers’ fees due to corporate actions or securities held in foreign markets then those might be debited from client’s account.
(14) Transfer fees are taken in the trading currency of the security
(15) Other banks may apply service charges that exceed charges applied by LHV Pank.
(16) Modification of an order that has not been forwarded to external bank is free of charge. In case of modifying already forwarded order new service change is applied.
(17) If the subscription order is canceled, the fee charged for submitting the subscription order will not be refunded.
(18) Subscription of foreign securities and participation in voluntary corporate events with foreign securities, which may be supplemented by service fees of foreign external operators

Loans

Valid as of 12.07.2022

Margin loan and selling short
Interest rates
Margin rates
Home Loan
Agreement feeup to 1% of the loan sum, from 300 €
Amending the terms and conditions of the agreementfrom 100 €
Premature repayment (incl. partial repayment)free of charge
Student Loan
Agreement feefree of charge
Amending the terms and conditions of the agreementfree of charge
Premature repaymentfree of charge
Microloan for a legal person
Agreement fee1.5% of the loan amount, max 300 €
Amendment of the agreement100 €
Premature termination of the agreement3% of the outstanding loan balance, or free of charge upon 3 month’s notice
Debt collection fee40 €
Apartment Association Loan
Agreement fee0.5-1% of the loan amount
Amendment of the agreement100 €
Premature termination of the agreement3% of the outstanding loan balance, or free of charge upon 3 month’s notice
Other fees
LHV real estate appraisal100 €

Leasing

Valid as of 18.02.2015

Agreement fees
Agreement signing fee1% of the asset price, min €
Amendment to the lease agreement100 €
[-] Change of payment date30 €
Early termination by the lessee
[-] Private person in case of agreement with variable interest ratefree of charge
[-] Private person in case of agreement with fixed interest rate (maturity date of the agreement is within 1 year)0.5% of the residual
[-] Private person in case of agreement with fixed interest rate (maturity date of the agreement is over 1 year)1% of the residual
[-] Legal person in case of agreement with variable interest rate3 month interest
[-] Legal person in case of agreement with fixed interest rate1% of the residual
Other fees
Power of attorney, document processing fee10 € (1)
Notarised power of attorney100 € (1)
Release of additional collateral100 €
Administration of asset related fines and claims20 € (1) + actual costs

[disclaimer] (1) Value added tax is applied. Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.

Au-clients

Valid as of 01.01.2021

Monthly fee (1)
Au-client monthly fee10 €
Current deposit (2)
EUR1% per year
Securities management fees (3) (4) (5)
Estonian, Latvian and Lithuanian sharesfree of charge
Securities (excl. securites listed above) (6)
Up to 50,000 €free of charge
The part exceeding 50,000 €0.01% per month, includes VAT

[disclaimer] (1) The prerequisite for concluding the Au-client agreement is one of the following: monthly € 2,000 income to the customer’s LHV Bank account or overall value of the customer’s assets deposited in LHV Bank at least € 50,000.
(2) ) For a current deposit, i.e. for money on the account up to 100,000 euros interest is calculated every day based on the day’s ending balance of money for all the named currencies and rounded to 2 digits after the decimal point. Interests are paid to the account at the beginning of the next month. Interest is calculated on all accounts, except for money on Startup accounts, Credit accounts, Limit accounts, Portfolio Management accounts, Trader-accounts or Pension Investment Account (PIA).
(3) Value added tax is added. For European Union companies outside of Estonia that are subject to value added tax and the companies outside of European Union are subject to value added tax of 0%.
(4) Management fee is calculated on the basis of a month’s average market value of securities. If the market value is not available, the nominal value is taken as a basis.
(5) No fee is charged for an empty account.
(6) Except Growth Account and Trader account fee.

Private Banking

Valid as of 01.12.2022

Monthly fee (1)
Private Banking client monthly fee (2)100 €
Cash withdrawals (3)
From LHV’s ATMsfree of charge (+ 0.3% of any amount in excess of 10,000 € per month)
ATMs of other banksfrom the current account in Estonia and a contracting party to the EEA Agreement 1 € 1 and, elsewhere abroad 2 € + 2.5% of the amount
Current deposit (4)
EUR1% per year

[disclaimer] (1) The prerequisite for concluding the Private Banking Services Agreement is overall value of the customer’s assets and securities deposited in LHV Bank at least € 100,000.
(2) The service includes interbank securities transfers without payment and against the payment without additional service fee, as well as subscription of shares with assistance of a client manager.
(3) The EEA includes 27 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
(4) Terms of a current deposit are valid if Private Banking Services Agreement is signed. For a current deposit, i.e. for money on the account up to 1,000,000 interest is calculated every day based on the day’s ending balance of money for all the named currencies and rounded to 2 digits after the decimal point. Interests are paid to the account at the beginning of the next month. Interest is calculated on all accounts, except for money on Startup accounts, Credit accounts, Limit accounts, Portfolio Management, Trader-accounts or Pension Investment Account (PIA).

Non-residents

Valid as of 01.12.2022

Account openingMonthly fee
Estonian citizens and residentsfree of chargefree of charge
Residents of EU member states, Norway, Iceland, Liechtenstein, Switzerland (1)100 €10 €
Residents of other countries (1) (3)200 €20 €
Legal entity registered in Estoniafree of chargefree of charge
Legal entity registered in Estonia with non-resident owners (1) (2)300 €30 €
Legal entity registered in an EU member state (except Cyprus, Luxembourg, Malta, United Kingdom) or Norway300 €30 €
Legal entity registered in another country600 €60 €
Company with a high-risk field of activity (4)1,000 €100 €

[disclaimer] (1) Fee won't apply for Estonian citizens living abroad.
(2) Applies if in the ownership structure has a legal person registered outside of Estonia or one of the beneficial owners (person who owns or controls more than 25% of company shares) is a non-resident.
(3) Fee won't apply for Ukrainian citizen accounts opened after 24.02.2022.
(4) High risk fields of activity

LHV Finance

Valid as of 17.03.2022

Agreement and other fees
Agreement signing
[-] Hire purchase9.9 – 99.9 €
[-] Consumer loan, home repair loan, car loan, home furnishing loan, appliance loan, refinancing loan, health and beauty loan, private person2% from loan sum, min. 29.9 €
Amendment to the hire purchase agreement25 €
Overdue charge
[-] Private personContractual interest rate, min. ECB interest rate (1) + 8% per year
[-] Legal person0.2% per day
Overdue management feeu5 € (2)
Early termination by the customer
[-] Private personfree of charge
[-] Legal person3% from loan balance
Fee for paper invoice1 € (2)
Document processing fee10 € (2)

[disclaimer] (1) The interest rate applicable to the main refinancing operations of the European Central Bank (ECB).
(2) Value added tax is included.

Trade Finance

Valid as of 11.04.2017

Guarantees for a legal person (1)
Guarantees issued by LHV Bank (incl Stand-by Letters of Credit)
[-] Agreement fee, agreement amendment feeas agreed
[-] Issuance fee100 €
[-] Guarantee feeas agreed
[-] Fee for non-standard wording (issuance fee will not apply)150 €
[-] Guarantee or its amendment drafting fee (if requested by customer)min 50 €
[-] Fee for handling a claim0.1%, min 150 €
[-] Amendment fee (in case the amount is increased or period extended, relevant guarantee fee will be also applied)100 €
[-] Return of the guarantee before expiry50 €
[-] SWIFT, mail and courier fees (applicable to international guarantees only)as per cost, min 20 €
Guarantee issued in favour of LHV Bank’s client
[-] Advising100 €
[-] Amendment advising100 €
[-] SWIFT delivery of the claim under the guarantee100 €
[-] Guarantee or its amendment drafting fee (if requested by customer)as per cost, min 100 €
[-] Authenticity check (if requested by client)50 €
[-] Guarantee cancellation notice to the issuer50 €
[-] SWIFT, mail and courier feesas per cost, min 20 €

[disclaimer] (1) In case the services of other banks are being used (advising, authenticity check, etc), these fees are to be borne by the client in addition to the fees stated herein.

Letters of Credit (1) (2)
Import Letter of Credit
[-] Agreement fee, agreement amendment feeas agreed
[-] Issuance fee100 €
[-] Risk fee under full cash cover1% p.a., min 100 €
[-] Risk fee under other collateralas agreed, min 100 €
[-] Document checking fee0.15% of the documents value, min 100 €
[-] Deferred payment feerisk fee rate
[-] Letter of Credit or amendment drafting fee (if requested by client)min 75 €
[-] Amendment fee100 €
[-] Amount increase or prolongation feerisk fee rate
[-] Discrepancy fee (will be collected from the beneficiary)100 €
[-] SWIFT, mail and courier feesas per cost, min 20 €
[-] Payment fee (will be deducted from beneficiary’s payment)35 €
Export Letter of Credit
[-] Advising fee100 €
[-] Confirmation risk feeas agreed, min 100 €
[-] Letter of Credit or amendment drafting fee (if requested by client)min 100 €
[-] Document checking fee (includes pre-checking)0.15% of the documents value, min 100 €
[-] Discounting fee0.1%, min 100 €
[-] Discounting interestas agreed
[-] Deferred payment fee65 €
[-] Assignment of proceeds100 €
[-] Amendment fee100 €
[-] Cancellation fee50 €
[-] Transfer fee (in addition, regular export letter of credit fees will apply)0.25%, min 100 €
[-] SWIFT, mail and courier feesas per cost, min 20 €

[disclaimer] (1) In case the services of other banks are being used (advising, authenticity check, etc), these fees are to be borne by the client in addition to the fees stated herein.
(2) LHV Bank is handling Letters of Credit subject to and in accordance with "Uniform Customs and Practice for Documentary Credits"), Publication no 600, Paris 2007.

Documentary collection (1)
Cash against documents0.2% of documents value, min 100 €
Documents against acceptance0.25% % of documents value, min 135 €
Partial payment fee (from the second payment)50 €
Amendment to collection instructions50 €
Release of documents free of payment65 €
Cancellation notice fee65 €
Fee for release of the goods, (bill of lading endorsement) in case the goods have been consigned to AS LHV Pank65 €
SWIFT, mail and courier feesas per cost, min 20 €

[disclaimer] (1) In case the services of other banks are being used (advising, authenticity check, etc), these fees are to be borne by the client in addition to the fees stated herein.

Loyalty cards

Valid as of 01.12.2022

Virtual ISIC Student card (1)
Monthly feefree of charge
Issuing5 €
Renewal5 €

[disclaimer] (1) Virtual ISIC Student card is a proof of client’s student status, and is entitled to a person acquiring higher education in the Republic of Estonia according to the University Act or the Applied Higher Education Institution Act (RT I 1998, 61, 980).