Take your LHV Debit Card with you and leave the fees behind.
Use your card anywhere with no foreign transaction fees
Spend freely at home or abroad. There are no foreign transaction fees, no currency conversion charges, and no hidden costs.
Just your money, working wherever you are.
A competitive exchange rate with nothing added
When you pay in another currency, we use the Mastercard exchange rate - and we don’t add any fees or mark-ups on top.
With LHV Bank, what you see is what you get. The Mastercard rate, passed on directly. No hidden charges. No extra costs.
Withdraw cash abroad fee-free
You can withdraw cash overseas without any fees from us.
The same daily limits apply as in the UK.
Apple Pay and Google Pay, wherever contactless is accepted
Use Apple Pay or Google Pay with your LHV Debit Card when you see the Apple Pay, Google Pay, or contactless symbol - no matter where you are in the world.
Manage your card in the app, wherever you are
Freeze your card, check your balance, or view your PIN - all from the LHV Bank app.
Everything stays in your control, even when you’re away from home.
How the exchange rate works
The European Central Bank (ECB) publishes a daily reference rate based on averages across major banks - but it’s not a rate you can use directly.
Instead, when you make a payment abroad, it goes through a card scheme like Mastercard. They set their own exchange rates, which often differ slightly from the ECB rate.
Use the Mastercard Currency Converter Calculator to see what you can expect to pay with your LHV Debit Card.