LHV
LHV is a European (EEA-based) fintech-infrastructure provider (IBAN sponsor, BaaS). Verified at source - licence, regulator and registry reference. Active
Who it's for
LHV is built for products that need customer accounts and IBANs issued under the provider's licence. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: local IBANs in EE, GB.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Estonia)
- Local IBANs: EE; GB
- Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)
What LHV does
Capabilities & rails
- 🛤️ Payment rails (documented): SCT · SCT Inst · FPS
- Account model: Virtual · Named virtual
- Account currencies: EUR; GBP
Verified licence profile
LHV Pank (Tallinn; 4th-largest EE bank) + LHV Bank (UK full banking licence 2023). The fintech-preferred BaaS bank: virtual IBANs, SEPA Instant + Faster Payments, FX; 200+ fintech clients (Wise, Lightyear...).
Verified 2026-07-19. How we verify → · Spotted something out of date? Report a correction. · Are you LHV? Work with us →
Known to power
- Wallester (ibans-via) — IBANs via LHV
Timeline
- 2023 [licence] LHV Bank granted a full UK banking licence
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FAQ
Is LHV European / EEA-based?
Yes. LHV hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Estonia.
What does LHV do?
LHV covers: IBAN sponsor, BaaS. Verified at source by Fintechnologica.