Very easy opening the account. Just a few normal questions, photo of ID and myself and it was open in minutes. I'm using the account mostly for savings right now, but even the current account pays 3.7... Voir plus
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Payments too slow. Sometimes being blocked for no good reason when they're going to accounts I've paid before, including an account in my name. Payment limits still way too low despite a incr... Voir plus
L'entreprise a répondu
Easy application process and onboarding was swift. LHV use ab app that is extremely clean and easy to use. I know DD etc is coming in the near future. Transactions go through as youd expect. It would... Voir plus
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It took over a week and a half to approve my application. I then read the reviews of routine transactions getting blocked for days - no thanks. I'll try another bank.
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À propos de l'entreprise
Écrit par l'entreprise
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.
Coordonnées de contact
1 Angel Court London, EC2R 7HJ, London, Royaume-Uni
- help@lhv.com
- lhv.com
3,3
Moyen
179 avis
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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 janvier 2026
Avis spontané
Réponse de 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
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 janvier 2026
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de 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 novembre 2025
Avis spontané
Réponse de 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 novembre 2025
Avis spontané
Réponse de 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 novembre 2025
Avis spontané
Quick account opening
Just opened a current account with them
The process is quick and swift
So happy with the process
18 novembre 2025
Avis spontané
Réponse de 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 août 2025
Réponse de 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
Great current account that pays 4.00% interest
Opened an account in less than ten minutes, received my debit card two days later. Excellent service.
It would appear that most of the negative reviews here are from people who don't understand how banking procedures work.
A classic is 'we didn't know that we had to fund our current account first in order to open a fix rate bond'. How else did you expect to fund it.
Another was the low withdrawal limit. All banks set a withdrawal limit to protect their customers from fraud. It's normally a simple procedure to contact the bank and request a temporary increase in the limit.
Setting up direct debits. Everyday new bank accounts come on stream across the industry requiring new sort codes to be generated, It's just a case of waiting for the UK banking system to add these new codes to the network to make them live. You can't blame LHV Bank (or any other bank ) if this is not done immediately.
18 novembre 2025
Avis spontané
Réponse de LHV Bank (UK)
Thanks so much for your great review – we’re really pleased to hear you had such a quick and easy experience opening your account, and that your card arrived promptly.
It’s great to hear you're enjoying the 4.00% interest on your current account too. We’re glad the service has met your expectations and appreciate you taking the time to share your experience.
Thanks again for your feedback and support – it means a lot!
The LHV Bank Team
Very smooth account opening process
Very smooth account opening process . It’s a simple app which keeps life simple.
Good rate of interest offered on personal banking .
Would recommend.
15 novembre 2025
Avis spontané
Réponse de LHV Bank (UK)
Thanks so much for your kind review – we’re really glad to hear things got off to a smooth start.
It’s great to know the app feels simple and easy to use, and that the interest rate stands out for you too. We’re always aiming to make banking feel straightforward and rewarding, so it’s lovely to see that reflected in your experience.
We really appreciate the recommendation!
Best wishes,
The LHV Bank Team
Excellent!!
I've only just heard of LHV Bank and created an account with them, so far very impressed! The app layout is very minimalistic, which I like, and it was very easy to create account and deposit and withdraw. And, outstanding interest rate for a current account! As far as I'm concerned, they're brilliant!
16 novembre 2025
Avis spontané
Réponse de LHV Bank (UK)
Thanks so much for the fantastic review – we’re really pleased to hear you’re enjoying your experience with us so far.
It’s great to know the app layout and account setup worked well for you, and we’re glad the interest rate has caught your attention too! We’ve built LHV Bank to make everyday banking simple and rewarding, so it’s brilliant to hear that coming through.
Thanks again for the lovely feedback – we really appreciate it.
Best wishes,
The LHV Bank Team
Direct debits are live but account details not accepted.
Direct debits are now available - but with most companies account verification fails and I am told to enter the ‘correct’ account details. It is such hard work to use this account for my main day-to-day banking. I have given LHV the names of a few companies which refuse to accept my account details. I have also emailed a couple of the offending companies, but I’m getting nowhere fast. Maybe I should try another bank?
7 novembre 2025
Avis spontané
Réponse de LHV Bank (UK)
Thanks for taking the time to share your experience, and we're really sorry for the frustration you've had when trying to set up Direct Debits.
While Direct Debits are live and fully supported, we’re aware that some merchants and service providers may take a little time to update their systems to recognise newer sort codes – and we understand how inconvenient that can be. We’ve already raised this with our payments team and are actively investigating the cases you’ve shared with us to help move things forward.
We know this isn’t the smooth experience you were hoping for, and we really do appreciate your patience while we work on improving this. If you’re happy to continue working with us on this, we’d love to keep you updated.
Thanks again for flagging this – your feedback really helps us improve.
Best wishes,
The LHV Bank Team
Avoid this bank to spare yourself from being insulted.
I would absolutely not recommend anyone to open an account with this bank. The reason is simple — I felt like I was being treated as a criminal.
From the moment I started the application through their app, until I received their email reply five days on 31st Oct 2025, they asked me to provide the following excessively detailed documents:
Previous Employment History
A brief summary of your previous employment, including:
1. Job titles
2. Employer names
3. Dates of employment (approximate is acceptable)
4. Please confirm your expected initial deposit amount and advise where these funds will come from.
5. Provide supporting documentation, such as a bank statement, to evidence your current savings.
6. Please also confirm how these savings were accumulated (e.g., from previous employment, family support, or other sources).
If I were buying a property, and the solicitor firm required me to provide such documents to verify the source of my funds, I would completely understand, because a property purchase easily exceeds £200,000, which is a very large sum.
However, if I merely want to deposit £1,000 and still have to go through this almost insulting process, then that is absolutely unacceptable.
Perhaps this bank could also operate as a solicitor firm — I’m sure that would suit them perfectly and help their business thrive even more.
31 octobre 2025
Avis spontané
Réponse de LHV Bank (UK)
Thanks for taking the time to leave a review.
We're sorry to hear how the account opening process made you feel – this isn’t the experience we want anyone to have.
As a regulated financial services provider, we’re required to ask for certain information before we can open an account. We know this can sometimes feel intrusive, especially for smaller deposit amounts, but it helps us meet our legal obligations and keep our customers and the wider financial system safe.
That said, we always want to make sure our requests are clear and respectful. We’re really sorry if we fell short here. Your feedback has been shared with our team so we can look into how we communicate this better in future.
If you'd like us to review your application or talk things through further, our support team is here to help at help@lhv.com.
The LHV Bank Team
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