Youth Card

- Free bank card for a young person aged 6-25
- Enjoy great discounts
- Pay by card and you could win 100 € pocket money and 100 € investing money
- Contactless payments and Apple Pay
- Your purchases are insured
- Also available as a virtual card
- Invest each time you pay by card
The Youth Card is all-powerful
Bank card without service fees
You can order the Youth Card if you are 6–25 years old and use it to pay in Estonia, abroad and on the internet. Ordering a bank card and making European payments are free in LHV – there are no service fees for transfers. The account number associated with the card can be found on the back of the card.
Pay by swiping
You can use the Youth Card to make contactless payments, which is a convenient and fast way to make payments of up to 50 €. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.
Purchase insurance
Purchase insurance protects all durable goods that are paid with the Youth Card for a period of 180 days after the date of purchase.
Receive discounts with the Youth Card
With the Youth Card you can enjoy discounts from our partners.
Pay with the Youth Card and win pocket money
If you make 15 or more payments with your Youth Card per month, you will be entered into the draw with a chance to win 100 € pocket money and 100 € investing money.
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.
ATMs
Withdrawing cash is free of charge from LHV ATM’s. Cash is withdrawn from the ATM’s of other banks in Estonia and Europe for only 1 €.
Convenient mobile app
LHV mobile app is particularly convenient and an easy way to handle your everyday banking. Check your account balance, make payments, request money or start investing.
Apple Pay
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.
PIN code
Google Pay
Your good deed
Discounts with the Youth Card
Score a hundred

Make payments with your LHV Youth Card and you can win 100 euros to your bank account and 100 euros to your Growth Account.
We know that for a young person every euro counts, especially considering that time is of the essence when growing larger sums of money. The money that you save and start growing today may help you fulfil your dreams and score high in the future. That’s why the Youth Bank fully supports the efforts of future founders, with a monthly prize draw of up to 200 euros pocket money for one Youth Card holder.
Terms and conditions of the drawIf you make 15 or more payments with your Youth Card per month, you will be entered into the draw with a chance to win:
100 € straight to your current account
An additional prize of 100 € to your Growth Account if you have activated the micro-investment option
Pocket money winner in January is
Teet Muiste
Virtual ISIC Student card
Order a virtual ISIC Student card in LHV mobile app as proof of your student status, and enjoy thousands of international discounts conveniently on your mobile phone. One plastic card less in your wallet – a student card that is always with you.
Who can order the virtual ISIC Student card?
You can order a virtual ISIC Student card in app if:
- you are a customer of LHV
- you are at least 16 years old
- you are currently studying in a university or an institute of professional higher education in Estonia, regardless of the level of engagement (full-time or part-time) or form of study (daytime learning, distance learning, cycle learning, etc.). You can also apply for the card if you are on an academic leave.
You cannot apply for the ISIC card, if you are an extern, intern, a resident, or student of the Open University, unless you are a student of the University of Tartu Open University.
- Open the cards view in the mobile app, and select “ISIC virtual card”
- Add the school name and a photograph of yourself to the application
- Agree to the terms and conditions and the processing of data by the Federation of Estonian Student Unions
- You can find the issued virtual student card on the “Cards” view
- Open the cards view in the mobile app, and select “ISIC virtual card”
- Add the school name and a photograph of yourself to the application
- Agree to the terms and conditions and the processing of data by the Federation of Estonian Student Unions
- You can find the issued virtual student card on the “Cards” view
Issue and renewal | Free of charge until 31.01.2023 |
Monthly fee | No fee |
Validity | Virtual ISIC Student cards ordered between January 1 and July 31 will remain valid until the end of the calendar year. Virtual ISIC Student cards ordered between August 1 and December 31 will remain valid until the end of the next calendar year. |

We issue the ISIC student card in cooperation with the Federation of Estonian Student Unions (EÜL), the official representative of the ISIC trademark in Estonia.
Price List and Terms and Conditions
Monthly fee | No fee |
Renewal, closing | Free of charge |
Replacement | 5 € Replacement to a virtual card is free of charge |
Cash withdrawals |
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Cash deposits | Free of charge at LHV ATMs |
Conversion fee for transactions in foreign currencies | 1% of transaction amount |
Information request from an ATM |
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1 The EEA includes 27 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
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.
The purchase insurance included with the Youth Card provides 180 days of protection for durable goods that you have paid for with a Youth 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 object, 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
You will receive 500 euros per insured event if the damage has occurred
- to a smart device, mobile phone, tablet or laptop
- photo or video camera
- fur item
- eyeglasses and sunglasses
- painting, graphic work or sculpture
In other cases, the indemnity limit is 5,000 euros per 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 claims handling specialist.
In case of a loss event, submit a purchase insurance claim.
Documents you need to fill in the purchase insurance claim:
- item purchase receipt and card payment receipt (card payment statement from internet bank also acceptable as the latter)
- in the case of burglary or robbery, the police report as well
Customer support
tel +372 699 9111 (Mon – Fri 9–17)
kindlustus@lhv.ee
Claims adjustment
phone +372 680 1122 (24 hours a day)
kahjud@lhv.ee
I Participation
- The “Sajaga edasi” (“Full on with a hundred”) campaign (hereinafter the campaign) is organised by AS LHV Pank (hereinafter the organiser), located at Tartu mnt 2, Tallinn, registry code: 10539549, telephone: 6 800 400, e-mail: info@lhv.ee.
- The campaign will be held between 01.01–31.12.2023.
- All LHV Youth Card users who are up to 25 years old and have made at least 15 card payments with the LHV Youth Card during the calendar month preceding the prize draw day may participate in the campaign.
- No registration is required in order to participate in the campaign, but the participant must accept the terms and conditions, including giving consent to the disclosure of his or her name on the lhv.ee website, LHV’s online magazine Investeeri, as well as in the e-mail and social media channels of LHV’s client communication, if he or she proves to be the winner.
- Employees of AS LHV Pank and its group companies LHV Group, LHV Varahaldus, LHV Kindlustus and LHV Finance and their family members shall not be eligible to participate in the campaign.
- The prize draw is carried out on 12 occasions. The same person may prove to be the winner on multiple occasions.
II Prize
- The campaign prize is 100 euros, and is transferred by the organiser to the winner’s current account in LHV Bank.
- If the winner has activated the micro-investment option, he or she will gain an additional prize of 100 euros, which will be transferred by the organiser to his or her Growth Account. If the winner is a minor who has activated the micro-investment option, the additional prize of 100 euros will be transferred to the parent’s current account in LHV Bank.
- The bank shall not issue the prize in cash.
- The organiser shall raffle the prizes from 5 January 2023 (included) onwards, on the 5th day of the month or the following banking day, in the presence of LHV Bank’s compliance officer.
- The organiser shall inspect compliance with the campaign terms and conditions, and notify the winner within three working days after the monthly prize draw.
- The campaign participant shall be responsible for the correctness of the e-mail address and telephone number submitted to the organiser in his or her customer data. The prize shall be paid out within three banking days after the winner has been contacted.
- Any taxes on the disbursement of the prize shall be borne by the organiser.
III Other
- The campaign participant shall adhere to the rules established and decisions made by the organiser with regard to the campaign.
- In the event of force majeure circumstances, the organiser shall have the right to suspend the campaign without any advance notification or consequences. The organiser shall notify participants of such a suspension via the lhv.ee website or other channel.
- The organiser shall have the right to make any decisions regarding the campaign without giving any advance notification thereof.
- Any complaints with regard to the campaign shall be submitted to the organiser’s postal address at Tartu mnt 2, Tallinn 10145.
- Additional information on the campaign is available by phoning 6 800 400, e-mailing info@lhv.ee and on lhv.ee/noor.
Documents and additional information
Terms and conditions of the campaign
Terms and conditions of the campaign
- The Youth Card sales campaign organized by AS LHV Pank takes place during 10.01.2023-30.01.2023.
- All 6-25-year-old customers who have ordered LHV’s Youth Card as their first LHV Pank card during the campaign period, will participate in the campaign.
- 5 (five) euros (campaign fee) will be transferred to the LHV Pank account of all campaign participants.
- Campaign fee payment for customers who have ordered LHV’s Youth Card during 10.01.2023-16.01.2023 will be made 17.01.2023, for customers who have made the order during 17.01.2023-23.01.2023 payment will be made 24.01.2023 and for customers who have made the order during 24.01.2023-30.01.2023 payment will be made 31.01.2023.
- The employees of LHV Pank, as well as employees of the groups belonging to the same bank concern are not entitled to take part in the campaign.
- Clients who have an outstanding debt to the LHV Pank and to the companies belonging to the same group as LHV Pank, are not entitled to take part in the campaign.
Obligations/Other
- Each participant of the campaign commits to accept all rules established by LHV Pank including decisions made during the campaign.
- In case of force majeure, the LHV Pank holds the right to interrupt the campaign without any consequences and prior notice. LHV Pank will notify of such discontinuation of the campaign, if possible, via bank’s website (lhv.ee) or using any other client communication channel.
- The LHV Pank reserves the right to make any decisions regarding the promotional campaign without prior notice thereof. All complaints related to the organisation of the campaign must be presented to the LHV Pank via mail, to the address Tartu mnt 2, Tallinn 10145.
- More information on the promotional campaign: 6 800 400 or info@lhv.ee or www.lhv.ee/youthbank.
- The prize draw is organised by AS LHV Pank, address Tartu mnt 2 Tallinn, registry code 10539549, Tel. 6 800 400, e-mail info@lhv.ee.
November Winners
Winners of the 50 euro Sportland giftcard
Auris Aleksandrov
Patrick Malm
Emili Toompuu
Tiina Ütt
Kadrin Hallik
Laura Maala
Ranek Koni
Karmen Lahe
Liisa Kai Siimut
Jane Priimägi
Karl Robert Arulaan
Andra-Riin Abel
Taavi Christopher Tuisk
Viktor Romanov
Katrin Voloditšev
Lauri Pähn
Georg Madis Puhm
Pille Riin Kuningas
Kerttu Jaansalu
Ott Pastarus
Winners of the 25 euro Partner e-giftcard
Johannes Teder
Oskar Lepik
Andreas Ayrton Luhala
Sander Tiitso
Diana Kolossova
Viktor Rüütel
Oliver Harris Hütt
Brit Põld
Evely Kajala
Marta-Marleen Tamm
Kristjan Kasesalu
Olga Tšitšikalova
Karl Joosep Mardisoo
Naima Vilms
Kaarel Kiho
Oliver Hellaste
Reimo Link
Sarah Ellermaa
Marion Maasar
Halina Panarad
Adele Alavere
Janne Nurme
Erik Mühls
Laurelin Männik
Karl Tetsmann
Karmen Lahe
Kristjan Unt
Paul Opmann
Kätlin Kukebal
Aleksandr Gubachev
Winners of the 2x10 euro Apollo Cinema tickets
Jan Erik Soosaar
Gerta Pall
Carl-Johannes Kinnunen
Brit Kikas
Karl Riis
Dina Tanaga
Iris Ingelbert Sargla
Emili Kinks
Liisabel Hammer
Ilja Samoilov
Tarvi Langus
Cardo Erasmus Kakk
Sissel-Maria Mägi
Sandra Ratasepp
Fedor Gorbunov
Jevgeni Lugin
Dario Ilbi
Anna Aleksandrina
Marten Keiv
Alo Vals
Grete-Kai Teeäär
Merilin Vesingi
Raoul Ashley Fernandes
Kristelle Õispuu
Samantha Aleksandra Žurkin
Nikita Skvortsov
Taiko Tõnno Kont
Kevin Kütson
Katriin Ailen Takk
Norah Laadoga
Ilayda Kalkan
Linda Mariette Joost
Kaarel Aruoja
Konstantin Abramovitš
Kaisa-Kadi Pilt
Sander Kartau
Janete Remmelkoor
Ekaterina Iakovleva
Maarit Põllu
Oskar Orglaan
Mari-Liis Mägi
Sandra Lundver
Vladimir Logatšev
Eliise Orav
Ranno Kähr
Paula Toomsalu
Helena Kangur
Anna-Liis Mägi
Nikita Pisarenko
Hans Erik Atonen