This bank offers great interest rates and a superb app. Customer service is high quality rather than being quick. Yes there is no phone support or chat service, but actually what do other providers gi... Näytä lisää
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this is a review for the customer service and not necessarily lhv or its app (which i have only just got and not used yet). i had trouble logging onto my account for the first time, worsened by t... Näytä lisää
If you want to get access to your money and pay/transfer DONT use this bank!! This is now the 3rd time they have left me with a pending transfer all because they don’t work weekends!! Will be moving m... Näytä lisää
The app was easy to load and use and the xfers in and out were instant and easy. However I had no idea of the daily add monthly withdrawal limits. No point in trying to discuss that with them as it ap... Näytä lisää
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LHV Bank (UK) is redefining banking for ambitious individuals and businesses. Our app-only retail banking services are designed to empower ambition at every step. Whether you're growing your savings or managing everyday finances, our easy-to-use interest-paying current account and attractive savings products help you achieve your goals. With our intuitive app, you can take full control of your finances, wherever you are, saving you time to focus on what matters most. At LHV Bank, your money is always at work—helping you to achieve your ambitions.
Yhteystiedot
1 Angel Court London, EC2R 7HJ, London, Yhdistynyt kuningaskunta
- help@lhv.com
- lhv.com
2,9
Keskitasoinen
103 arvostelua
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Very difficult to open a savings…
Very difficult to open a savings account with them. I have been waiting a long time, provided all the documents and I barely get a response from them.
20. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
We're sorry to hear about your experience. We know how frustrating it can be when opening an account takes longer than expected, especially after you’ve already sent the documents.
We’d like to look into this for you. Please email us at help@lhv.com with a few details about your application so we can check what’s causing the delay.
Thanks for sharing your feedback.
The LHV Bank Team
Scared to use
Scared ! I opened the account easy and a nice black card arrived. Immediately the interest dropped which is out of their control. But reading the reviews I'm put of actually using as they seem extreme worse than a bank called Monzx.
No I don't want to put money in and they freeze and the only benefit is fee free usage abroad no cashback etc
So I sadly will close as I don't want more anxiety and then stealing my money
15. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for sharing your concerns. I’m really sorry to hear that reading reviews has made you feel anxious about using your account.
We want to reassure you that LHV is a fully regulated bank, and your money is protected in line with UK regulations. We only ever restrict access to funds for specific regulatory or security reasons, for example if we need to carry out checks to protect customers from fraud or financial crime. We know how worrying this can feel, and when it does happen our teams work to resolve things as quickly and fairly as possible.
You’re right that interest rates are influenced by wider market conditions and aren’t something we can control directly, and we understand how disappointing changes can be. We also appreciate your feedback on account features, as this helps inform how we develop our offering.
If you decide to keep your account open and would like reassurance or clarity before using it, our support team is here to help and answer any questions. We want you to feel confident and comfortable with your banking.
The LHV Bank Team
Slow, inresponsive
I tried to do a simple thing, so I thought, of updating my home address after a move. The only way to contact them is via email. The first response comes after 24 hours, asking to upload a passport and a selfie so they can update the address. And even if you do it immediately, they did nothing for 3 days. So I sent a request to close the account, as I can just imagine how frustrating it would be if I actually had any issues to resolve.
9. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for sharing your experience. I’m really sorry that updating your address felt slow and frustrating. That’s not the experience we want you to have.
We understand how inconvenient it can feel to be asked for ID again for what seems like a simple change. These checks are there to protect your account, but we should have acted more quickly once you’d provided everything, and it’s disappointing to hear that this didn’t happen.
We’re also sorry that this led you to lose confidence in us and request to close your account. Your feedback is important and has been shared internally so we can improve how we handle requests like this in future.
If you’re open to it, we’d like to look into what happened in more detail. You can contact us at support@lhv.com with your details, and our team will be happy to help.
The LHV Bank Team
BE CAREFUL
BE CAREFUL! Incompetent employees ask endless questions about an account with virtually no activity, under the pretext of AML procedures. They create an appearance of compliance, while at the same time working with crypto exchanges and EMI companies whose anti-money laundering measures are significantly weaker or completely absent.
I believe there are risks to clients’ funds, because if a bank does not comply with AML requirements, its license may be revoked, and in that case clients will receive no more than EUR 100,000 in compensation under the state guarantee scheme.
8. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thank you for sharing your feedback and raising your concerns.
We recognise that being asked for information, particularly on an account with little activity, can feel excessive. These checks are a legal requirement for all regulated banks and must be carried out regardless of how an account is used. They are in place to protect customers, the wider financial system, and our ability to continue operating as a licensed institution.
We apply our anti-money laundering standards consistently across all customers and partners. This includes ongoing monitoring and periodic requests for information. While this can be inconvenient at times, it plays an important role in keeping accounts and funds safe.
We’re always reviewing how we communicate these requirements and how we can make the process clearer and smoother for customers. If you’d like us to look into your experience in more detail, you can contact us at help@lhv.com.
The LHV Bank Team
Worst Bank
Honestly one of the worst banking apps I’ve used. The app is buggy and barely works. You can’t spend your own money without issues, receiving payments means getting questioned about where the money comes from, and sending payments is just as painful. Support is slow and unhelpful, it takes hours to get a response, if you get one at all. Don’t bother. Look elsewhere.
7. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
We’re sorry to hear you feel this way.
We carry out checks on certain payments as part of our regulatory obligations, which can sometimes add friction, but they’re designed to help keep accounts and customers safe. That said, we recognise how important it is for everyday banking to feel smooth and reliable.
Our support team is there to help when issues arise, and feedback like this is reviewed carefully as we continue to improve both the app experience and our response times.
We appreciate you taking the time to share your feedback.
The LHV Bank Team
Extremely poor app
Extremely poor app! I want to open a current account with this bank due to the attractive interest rate but I have a modern Samsung S22 ultra smartphone and app downloaded directly from the play store. Well.. I've never met such a terrible bank with such a poor app. The app upon opening, freezes instantly and I can't sign up to open an account note even use the app. What makes it even more poor is that obviously management team or senior lead team have no clue this is happening and that there are issues with the app. They either don't know and don't care or are completely detached from the issue. I work for a major banking company and if this happened to our app there would be absolute pandemonium! Sort it out! Until then you won't get my money to hold... Also before anyone thinks I'm computer illetrate. My main job at the major bank is to help people with Thier online access and app problems and to problem solve. Contact your app developers immediately and get this sorted out now!
6. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for raising this. We’re sorry to hear about the problems you’ve experienced with the app and that this has stopped you from signing up.
Please contact us at help@lhv.com so we can investigate what’s happening and assist you further.
The LHV Bank Team
Cannot access the app means nothing to customers
I opened easy access account and fixed rate bond account. I applied the card too. But one day I could not access the app ......
I supplied my email, the sms passcode to my mobile, my mobile number, my instant photo, my dob, my personal pin, fingerprint ....
I still cannot acccess and need to wait cs help, which is not available on Sat and Sun. So how can I move my money to use my card? I already supplied all info. I have to prove myself.
Please set security to a reasonable level, if the customer cannot access the app and need to wait cs service, what is the bank for?
update: 8 Jan LHV solved the access issue. I believed they checked the case and response quickly. I got the access without much time and effort.
3. tammikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
We understand how frustrating it can be to lose access to the app, especially when you’re trying to use your money.
Account security is a priority for us, and in some situations this means additional checks are needed to protect customers. While this can be inconvenient, these steps are in place to help keep accounts safe.
Our support team has been in touch with you and will continue to assist directly until this is resolved. If you’ve already provided the requested information, the team will be reviewing this and guiding you through the next steps as soon as possible.
Thank you for taking the time to share your feedback — it helps us improve the experience for our customers.
The LHV Bank Team
I’ve been waiting to progress with the…
I’ve been waiting to progress with the I.D. process but to no avail. I’ll give it until close of business tomorrow then I’ll be looking elsewhere! The onboarding process to date has not impressed me.
29. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for your review. We’re sorry to hear that the ID process has taken longer than expected and that this has been frustrating. This isn’t the experience we want when you’re joining us.
If this is still outstanding, please contact us at help@lhv.com so we can look into this for you and help move things forward.
The LHV Bank Team
Impressive Rates and Ease of Use, Let Down by Missing Features
The attractive 4% interest rate on the current account initially drew me to LHV Bank, and it has certainly lived up to expectations. I was particularly impressed by the very smooth onboarding process, which took around 10 minutes, as well as the ease of opening easy-access savings products.
The only reason I haven’t given it five stars is the current lack of features. Notably, standing orders and open banking. I also feel the menu system could be improved, as it wasn’t immediately clear that I needed to press the LHV button to navigate.
I do think these areas can be improved though, and so I’m sticking with LHV Bank for now.
15. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thank you for sharing your experience with us. It’s great to hear that the 4% interest rate, quick onboarding and easy-access savings options have all made a strong first impression!
Your comments about standing orders, open banking and the app navigation are really helpful. We understand how much these features can enhance day-to-day banking, and feedback like yours highlights where the experience can feel even smoother. While these options aren’t available yet, we’re continuing to develop the app and expand its functionality over time.
We’re glad to hear you’re finding value in the account so far, and we’re grateful you took the time to tell us what’s working well and where we can improve. If you have any further thoughts or ever need support, please feel free to get in touch.
The LHV Bank Team
Wanting to open a fixed rate bond
I would like to open a fixed rate bond and understand you don't have a funding window. to date I have always opened a fixed rate bond (with other providers) with a 'testing deposit' to ensure the account opens smoothly, and that I have entered all details correctly. I have then had a 14 day window to fund the bond before the window closes. Is this something you're looking into in the near future? BTW I've never opened and run an account from an App before, so printing information could be an issue for me.
14. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for taking the time to share your feedback, and for considering us for your fixed rate bond. We really appreciate it.
At the moment, our fixed rate bonds don’t include a separate funding window or “test deposit” stage, as the account becomes fully active once the first deposit is made. We understand this differs from some other providers and why a funding window can feel reassuring. While we don’t currently have plans to introduce this, it’s something we may look into in the future as we continue refining our products. Your feedback is genuinely helpful in shaping those discussions.
We also appreciate that managing an account through an app can feel like a change if it’s not something you’ve done before. If you need any help navigating the app or saving information, please feel free to get in touch with us at help@lhv.com and our team will be happy to support you.
Thanks again for your comments; they really do help us improve.
The LHV Bank Team
Effortless onboarding and high interest on current account
I just opened my new account and the process was pretty effortless on my side. It then took a few days for final confirmation but I wasn't in a rush and that short delay was probably because I'm in the UK and this is an EU based bank.
Impressive interest rates on the current account and saver!
It will be great when you develop APIs so we can connect our accounts to our banking aggregator apps. Hopefully this is on your roadmap :)
9. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks so much for the great review. We’re really pleased to hear the onboarding felt smooth and straightforward.
It’s great to know the interest rates are making a strong first impression too – that’s something we’re proud to offer.
API connections and broader integrations are on our radar, and we know how useful they are for people managing finances across multiple apps. While we’re not quite there yet, it’s definitely something we’re exploring for the future.
Thanks again for your feedback and for joining us!
The LHV Bank Team
A simple account opening turned into a never-ending and outdated application process
I have tried to avoid raising a complaint, but the account opening process has become unnecessarily difficult.
Opening a bank account in the UK is supposed to be simple and efficient nowadays. However, LHV’s procedures feel outdated and overly intrusive.
After starting the application through the app, I never received any clear decision. Instead, the LHV team repeatedly contacted me by email asking for additional documents, such as my Tax Self Assessment and even a passport image, despite the fact that I had already provided valid government photo identification.
LHV claimed these requests were required under UK regulations, but they appear to go far beyond what is proportionate. This is inconsistent with Financial Conduct Authority (FCA) expectations, which state that firms must not gather excessive or irrelevant customer information.
Because of this unreasonable process, I now intend to raise a formal complaint with the Financial Ombudsman Service and request compensation for the time and inconvenience caused, in line with standard FOS guidance.
5. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for taking the time to share your experience and we’re sorry to hear that the account opening process hasn’t met your expectations.
We appreciate that being asked for additional documents, especially after submitting valid ID, can feel unnecessary. In some cases, we do need to request further information to meet regulatory requirements, but we always aim to do this in a way that’s proportionate and clear.
We’d really like the chance to review what’s happened in more detail. If you're happy to, please get in touch with us at help@lhv.com so we can look into this further and try to put things right.
Thanks again for your feedback.
The LHV Bank Team
Easy to open but limited features
I opened an account very easily ... 10 minutes maximum with passport. At the moment though despite an excellent interest rate a key feature namely, Standing Orders aren't available. I enquired if there is a projected date for the implimentation of Standing Orders but no date is available. I'll keep the account open for a few month but unless SOs become available I will probably close my account.
5. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for your review; we're glad to hear the account was quick and easy to open.
We know Standing Orders are a key feature for many, and at the moment they’re not something we offer. It’s a feature we’re actively considering for future updates, but there isn’t a confirmed timeline at this stage. Your feedback helps us understand what matters most, and we really appreciate you sharing it.
Thanks again for taking the time to leave a review.
The LHV Bank Team
Felt treated like a criminal
I deeply regret applying for an account with this bank.
The experience was extremely intrusive and felt more like a criminal investigation than a simple savings application.
I started the process through their app because they advertised attractive fixed-term rates.
However, within one day they demanded unnecessarily detailed documents, including my previous job titles, employment history.
The most frustrating part is that I actually provided everything they asked for.
Yet for almost a week, they gave me no response at all.
Later, I opened an account with another UK listed bank which offered a better rate, higher stability, and a smoother app experience. It took only 10 minutes to be approved — without any unreasonable checks. They also provide a flexible transfer window, unlike this bank which blocks top-ups completely.
This whole experience showed me one thing: there are far better options out there.
I cannot recommend this bank to anyone. Their onboarding process is slow, intrusive, and completely disproportionate to the amount being deposited.
3. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for taking the time to share your feedback – and I’m really sorry the experience left you feeling this way.
We know our application process can feel detailed, but as a regulated bank, we’re required to carry out checks on all new accounts. These aren’t optional – they’re legal and compliance obligations we must meet, and they help protect all our customers.
That said, we’re sorry it felt intrusive and frustrating – especially after you’d already sent the documents we asked for. We also recognise that a lack of communication while you waited made things worse, and we’re sorry we didn’t handle that better.
Your feedback is valued and will be shared with the team, so we can keep improving how we communicate during onboarding.
The LHV Bank Team
Given the runaround
I’ve been trying very hard to get customer service team to give me a call back and they have now missed the callback on two separate occasions, despite email assurances. It’s like there’s no real system set up for arranging calls. With no way of directly calling or live chatting, it’s a pain getting things actioned. Responses have also drip fed in asking for different things as time goes on (seems to depend who you’re talking to on any given day).
1. joulukuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for your review and I’m really sorry we’ve let you down here.
We know how frustrating it is to chase call backs and not get the support you need. We haven’t met the standard you should expect from us, and we understand how disjointed it’s felt with different messages coming through.
So we can get this back on track, please drop us an email at help@lhv.com with your details. We’ll make sure it’s picked up quickly and followed through properly.
Thanks again for bearing with us – we want to get this sorted.
The LHV Bank Team
Decent current account
Decent current account, app is laid out nice and they now offer easy access savings accounts which is a good addition. I am a massive fan of digital banks and LHV are up there in my list of decent ones. Only issue I would say is that faster payments are not instant and the longest I have had to wait for money to be credited was 2 days. Other than the faster payments issue everything else works perfectly.
29. marraskuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks for the 5 stars – we're really pleased to hear you're enjoying the app and the new savings accounts!
It’s great to know we’re on your list of top digital banks. We’re grateful for your feedback on faster payments and we’ll pass this on to the team to review – we know how important it is for things to move quickly.
Thanks again for taking the time to leave a review,
The LHV Bank Team
Useless App which is Buggy
Useless App which is Buggy. No App Chat or Customer Support. Only had my Account for a Few Days & want to Close it. Higher Interest Rates are No Replacement for Competency. My Debit Card does not even Work Properly.
22. marraskuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
We’re sorry to hear you are experiencing issues. Please contact us at help@lhv.com and we will get things resolved for you.
The LHV Bank Team
How not to treat your staff
Bank itself maybe ok shame it treats it staff like rubbish would never bank with them.
19. marraskuuta 2025
Oma-aloitteinen arvostelu
Quick account opening
Just opened a current account with them
The process is quick and swift
So happy with the process
18. marraskuuta 2025
Oma-aloitteinen arvostelu
Vastaus yritykseltä LHV Bank (UK)
Thanks so much for your kind words – we’re really pleased to hear the account opening process was quick and easy for you.
It’s great to know you’re happy with how everything went – that’s exactly what we aim for.
Thanks again for sharing your experience!
The LHV Bank Team
Excellent App : easy to set up
Excellent App offering, at the time, top rates for maturing funds.
'Fast Payments' made funding the required LHV 'feeder' account easy.
The instructions make this perfectly clear, but bear in mind that each 'Bond' you set up has to have the funds already in place in the feeder account; then the Bond is "fed" immediately.
You can't add to that bond; there is no "funding window" - but you can open up as many bonds as you like, up to the maximum holding limit.
It's all very transparent, and funding a bond is simplicity itself.
There's nothing not to be impressed with here.
14. elokuuta 2025
Vastaus yritykseltä LHV Bank (UK)
Thanks so much for your brilliant review – we’re really glad to hear you found the app easy to set up and the process of funding your account and opening bonds straightforward.
It’s great to know the instructions were clear and that everything felt transparent and simple from your end – that’s exactly what we aim for.
We really appreciate you taking the time to share your experience!
The LHV Bank Team
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