LHV no longer supports Internet Explorer on our website to better protect you against viruses, scams and other threats. You can still use our website using Internet Explorer, but keep in mind that not everything might work as expected. To log in, please use one of these free browsers: Chrome, Firefox or Edge.

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.


Withdrawing cash is free of charge from LHV ATM’s. Cash is withdrawn from the ATM’s of other banks in Estonia and Europe for only 1 €.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

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

Read more
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

Discounts with the Youth Card

When paying with the Youth Card, all hot food and drinks are 20% cheaper.

MyFitness+ Full package costs 54 €. Becoming a member is free for all types of packages.

Shopping festival at Sportland! Discounts up to 60%!

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 draw

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 € 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.

Read more frequently asked questions

  • 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

Join the ISIC card newsletter

  • 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

Join the ISIC card newsletter

Issue and renewal

Free of charge until 31.01.2023

Monthly fee

No fee


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


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 €

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)

Claims adjustment
phone +372 680 1122 (24 hours a day)

I Participation
  1. 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.
  2. The campaign will be held between 01.01–31.12.2023.
  3. 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.
  4. 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.
  5. 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.
  6. The prize draw is carried out on 12 occasions. The same person may prove to be the winner on multiple occasions.
II Prize
  1. The campaign prize is 100 euros, and is transferred by the organiser to the winner’s current account in LHV Bank.
  2. 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.
  3. The bank shall not issue the prize in cash.
  4. 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.
  5. The organiser shall inspect compliance with the campaign terms and conditions, and notify the winner within three working days after the monthly prize draw.
  6. 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.
  7. Any taxes on the disbursement of the prize shall be borne by the organiser.
III Other
  1. The campaign participant shall adhere to the rules established and decisions made by the organiser with regard to the campaign.
  2. 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.
  3. The organiser shall have the right to make any decisions regarding the campaign without giving any advance notification thereof.
  4. Any complaints with regard to the campaign shall be submitted to the organiser’s postal address at Tartu mnt 2, Tallinn 10145.
  5. Additional information on the campaign is available by phoning 6 800 400, e-mailing info@lhv.ee and on lhv.ee/noor.

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.
  • 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


LHV website uses cookies to provide you with the best user experience. By clicking "I accept", you consent to the use of all cookies. Read more about the principles of using cookies.