Yes. Crypto trading is built into the Estonian app, and the UK arm banks Coinbase and Bitstamp, but coins cannot leave the bank.
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | yes (2) | source · checked 8 September 2026 |
| Stablecoin off-ramp | no (0) | source · checked 8 September 2026 |
| Business accounts for Web3 | yes (2) | source · checked 8 September 2026 |
| Custody | partial (1) | source · checked 8 September 2026 |
| Staking and yield | no (0) | source · checked 8 September 2026 |
| Card | partial (1) | source · checked 8 September 2026 |
| Multiple jurisdictions | partial (1) | source · checked 8 September 2026 |
| Open to retail | yes (2) | source · checked 8 September 2026 |
Total 9 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
Scores are revised when a bank's documents change. Each revision is dated and sourced.
| 8 September 2026 | Stablecoin off-ramp | yes to no | source |
| Jurisdiction | Estonia · UK |
| Type | Business banking |
| Health tag | Solid Listed parent, unrestricted UK and Estonian banking licences, profitable. · checked 26 August 2026 |
| P2P tolerance | Relaxed The most crypto-open bank in its market, with in-app trading via Bitstamp and Coinbase, and over 200 fintech clients, crypto firms among them. Thin retail P2P data, but the structural posture is tolerant. · community-reported, separate from the score |
| Last verified | 8 September 2026 |
| 2023 | LHV Bank Ltd authorised as a UK credit institution by the PRA in May, the first licence granted without restrictions that year; the Estonian branch's UK business transferred to it in August source |
| 2023 | Finantsinspektsioon fined AS LHV Pank 900,000 euros and issued a precept over anti-money laundering shortcomings in correspondent banking services source |
| 2026 | Finantsinspektsioon granted AS LHV Pank a MiCA crypto-asset service provider licence covering custody and order transmission, the first for a bank in Estonia source |
LHV does not publish a retail rule on paying crypto exchanges. Its UK arm is Coinbase's main bank in Europe and has served Bitstamp since 2019, which points to a tolerant stance. The Estonian payments page does say LHV may restrict payments tied to industries it sees as high financial crime risk, so a block is possible on a case-by-case basis.
No. LHV's terms say it does not provide crypto transfer services. Coins bought at LHV stay in omnibus accounts held with Bitstamp Europe and Coinbase Luxembourg, and the only way out is to sell for euros inside the bank.
The fee is 0.5% on each purchase and sale, with no charge for holding. The minimum buy is 20 euros, the minimum sale is 10 euros, and a single order is capped at 100,000 euros.
Yes, if you can show a connection to Estonia such as a lease, job or business, and you visit an LHV office in person. E-residency alone does not qualify. Non-resident private accounts cost 100 or 200 euros to open plus 10 or 20 euros a month depending on whether you live in the EU.