СОДЕРЖАНИЕ
LHV Corporate Debit Card: A Flexible Solution for Business Payments
LHV Bank offers a compelling solution for businesses with their Corporate Debit Card, providing a range of functionalities tailored for corporate financial management. The card combines flexibility with cost-effective options, including both physical and virtual card issuance, making it adaptable to various business needs.
General Characteristics
The LHV Corporate Debit Card is designed for payment of goods and services within Estonia, abroad, and online. Key features include:
- Support for contactless and mobile payments (Apple Pay, Google Pay, Click to Pay).
- Option to choose between a plastic card or a virtual card (with the virtual card incurring no monthly fee).
- Management of limits, activation/blocking, and PIN code viewing through internet banking or the mobile app.
Requirements and Necessary Documents
The card is issued exclusively to legal entities that hold a current account with LHV. The required documentation for issuance includes:
- The company's founding documents (statutes or registry extract).
- Identity document of the authorized person.
- Application for issuing a corporate card.
- Current account agreement with LHV.
Costs and Commissions
| Service | Tariff (€) |
|---|---|
| Monthly fee for the main card | 2 |
| Monthly fee for the virtual card | 0 |
| Card issuance/replacement | Free (except for repeat plastic replacement 5) |
| Cash withdrawal from LHV ATMs | Free up to 2,000 per month; 0.3% on the excess amount |
| Cash withdrawal from other banks' ATMs (EEA) | 1 + 0.3% on amount over 2,000 per month |
| Cash withdrawal from foreign ATMs outside EEA | 2 + 2.5% of the amount |
| Cash deposit into LHV ATMs | Free up to 5,000 per month; 0.3% on the excess amount |
| Information request at LHV ATM | Free |
| Information request at other banks' ATMs (Estonia) | 0.20 |
| Currency conversion on foreign transactions | 1% of the amount (Mastercard rate) |
Limits and Terms of Use
- Limit Management: Businesses can adjust daily and monthly limits for withdrawals and purchases via the mobile app or internet banking.
- Security Control: All online transactions are confirmed through internet banking or SMS code, enhancing transaction security.
- Blocking: Immediate card blocking is available through the app or internet banking in case of loss or theft.
Additional Features
- Micro-Investing: Optional automatic investment of up to 1 from each transaction into a Kasvukonto (Growth Account).
- Virtual Card: Available for immediate use upon ordering, without the need for physical delivery; no service fee applies.
- Eco-friendly Plastic: The physical card is made from recycled materials, aligning with sustainable practices.
Special Conditions
- The card is linked to an LHV current account and is automatically closed upon account termination.
- Switching from a virtual card to a physical card (and vice versa) is free of charge.
- There are no interest rates applied, as the card is not credit-based; funds are debited directly from the account.
Часто задаваемые вопросы о корпоративных дебетовых картах LHV
LHV выпускает классическую пластиковую корпоративную дебетовую карту и виртуальную карту в формате Mastercard.
Месячная плата за обслуживание корпоративной дебетовой карты составляет 2 €.
Снятие наличных в банкоматах LHV бесплатно до 2000 € в месяц, в сторонних банкоматах в Эстонии и Европе — 1 € за транзакцию, свыше 2000 € в месяц дополнительно 0,3% от суммы.
Виртуальную карту можно заказать в интернет-банке или мобильном приложении LHV, указав при подаче заявки желаемый формат карты.
Карту необходимо активировать в мобильном приложении или интернет-банке LHV, следуя инструкциям на экране.
Да, лимиты на платежи и снятие наличных можно изменить в интернет-банке или мобильном приложении LHV.
Карта поддерживает бесконтактные платежи по NFC, а также оплату через Apple Pay, Google Pay и смарт-часы.
PIN-код карты доступен для просмотра в мобильном приложении или интернет-банке LHV.
Доставка карты почтой занимает обычно 5–7 рабочих дней по территории Эстонии.
Блокировку карты можно выполнить самостоятельно в мобильном приложении или интернет-банке LHV.
Да, в интернет-банке LHV можно оформить несколько карт на разных сотрудников компании.
Компания должна быть зарегистрирована в Эстонии, иметь действующий расчетный счет в LHV и предоставить учредительные документы.
