LHV Pank
AS LHV Pank · EE · 1 country served
MiCA-licensed · Finantsinspektsioon (EFSA) - MiCA CASP★ 4.2 / 5
LHV Pank (AS LHV Pank) is Estonia's largest domestic bank, which received a MiCA CASP licence from Finantsinspektsioon (EFSA) in 2026-05. Customers can buy, sell and hold 15 of the most popular cryptocurrencies directly in the LHV internet bank and mobile app. A flat 0.5% fee on buys and sells regardless of amount, with free custody. Trading and custody are provided by the licensed Bitstamp and BitGo. Crypto withdrawals to external wallets are not possible - trading only within the bank.
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Fees
| Spot maker | 0.50% |
| Spot taker | 0.50% |
| SEPA deposit | Free |
| Card deposit | — |
| SEPA withdrawal | Free |
Features
- ✓SEPA transfers
- ✓Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- −Derivatives (futures/perp)
- ✓15+ crypto trading pairs
Supported fiat currencies: EUR
Pros
- ✓Finantsinspektsioon (EFSA) MiCA CASP licence (2026-05)
- ✓Integrated into Estonia's largest bank's internet bank and mobile app
- ✓Flat 0.5% fee - no hidden costs, regardless of amount
- ✓Free crypto custody
- ✓Trading and custody provided by licensed Bitstamp and BitGo
- ✓Majority of assets in cold storage, insured wallets
- ✓Bank of a Nasdaq Tallinn-listed group (LHV Group, LHV1T)
- ✓Can also buy for business and child accounts
- ✓Simple tax reporting - capital gains shown per instrument
Cons
- ✗Only 15 cryptocurrencies - narrow selection
- ✗No crypto withdrawals to external wallets (trading only)
- ✗Cannot make payments with crypto
- ✗Available mainly to Estonian residents (EE)
- ✗Crypto not part of the investment account system (different tax treatment)
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