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LHV Pank

AS LHV Pank · Estonia
Key points
Official sourceUnclaimedMiCA-licensed · Estonia

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Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇪🇺 Estonia
Founding date
1999
Team size
250-4999
Number of customers
≈ 514 000

Regulation

Regulatory licences
MiCA licence, notified on 18/05/2026
Licensing authority
Estonian Financial Supervision Authority (EFSA)
Registered services
  • Custody
  • Reception and transmission of orders
Register consulted
Consult the register → · verified on 07/11/2026

LHV Pank is the first Estonian-owned bank (LHV group, listed on Nasdaq Tallinn). Its retail and business customers can buy, sell and hold around twenty crypto-assets (including Bitcoin, Ether, Solana and XRP) directly in the mobile app and online banking, 24/7, with a 0,5 % fee per transaction and no custody fee. LHV has held its own MiCA authorisation since 18/05/2026 (the first Estonian bank to be authorised); execution and custody are entrusted to Bitstamp and Coinbase.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingInstant verification (KYC) : not disclosed

Available cryptos: 24

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, LHV Pank suits some use cases more than others.

Minimum deposit: €20Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €20. Mandatory custody: no withdrawal to a personal wallet.

Available in Estonia.

03How much it costs

Deposit
SEPA transfer0 %
Trading
0,5 %
spread not quantifiable
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Official LHV schedule with a transaction fee of 0,5 % on purchases and sales whatever the amount, free management and custody, a minimum order of €20 for purchases and €10 for sales, and a maximum order of €100 000.

Fee source: https://www.lhv.ee/en/crypto · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Crypto-assets held on behalf of the customer by LHV's partners Bitstamp and Coinbase (the FAQ also mentions BitGo for custody). LHV receives and transmits orders, without executing them itself or operating a trading platform.

05What to know before you start

Offer built into the bank, so reserved for LHV customers (Estonia). App and website in Estonian, English and Russian.
Fee of 0,5 % on purchases and sales whatever the amount, free custody. Minimum of €20 for a purchase and €10 for a sale, maximum of €100 000 per order.
No transfer of crypto to or from an external wallet.
Suitability questionnaire to complete before the first purchase. Crypto bought since 18/05/2026 is eligible for the Estonian investment account (tax deferral).
Staking of ETH (around 1 to 4 % per year, from 0,1 ETH, operated via Bitstamp) and SOL (around 3 to 7 % per year, from 1 SOL, operated via Coinbase), with fees already deducted from the displayed rate and staked assets not covered by the guarantee fund.
No incident linked to the crypto service identified as at 07/11/2026.

Compensation transparency: affiliate partnership with LHV Pank: Non. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is LHV Pank licensed under MiCA?

Yes. AS LHV Pank is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Estonian Financial Supervision Authority (EFSA), Estonia. Notification to the ESMA register: 18/05/2026. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on LHV Pank?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,5 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees checked on 07/11/2026 against the official fee schedule.

How many cryptos can you buy on LHV Pank?

24 crypto-assets are available on LHV Pank.

What is the minimum deposit on LHV Pank?

The minimum deposit is 20 €.

Can you withdraw your crypto from LHV Pank to your own wallet?

No, LHV Pank does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on LHV Pank?

Yes, LHV Pank offers staking.

Can you schedule recurring purchases (DCA) on LHV Pank?

No, LHV Pank does not offer scheduled recurring purchases (DCA).