Lhv Bank Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 3 years
Your funds are protected by FSCS
No FCA actions
Active company since 2021
1 thing worth a closer look in the background checks

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

lhv.com (opens in a new tab)
Phone number

020 3005 0150
Address

L H V Bank, 1 Angel Court, London, City Of London, EC2R 7HJ, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When lhv.com first appeared online, and whether it can receive email
What kind of line 020 3005 0150 is
Whether EC2R 7HJ is a shared office: 31 other firms give it

Other names (2)

If you were contacted under any of these names, it is this firm.

LHV Trading name: A name it trades under now.
LHV UK Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Hold or safeguard your money FSCS may apply
Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (3 permissions)

Accepting Deposits
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 13180211 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 4 February 2021 (5 years old)
Registered office: One Angel Court, 1 Angel Court, London, EC2R 7HJ, United Kingdom
Nature of business: Banks (SIC 64191)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Erki Kilu	Director	Dec 1975	4 Feb 2021	None
Paul Richard Horner	Director	Aug 1962	4 Jan 2022	2 other companies
Keith Butcher	Director	Dec 1962	1 May 2022	26 other companies
Sally Jane Veitch	Director	Apr 1973	1 Jul 2022	15 other companies
Rachelle Ann Frewer	Director	Jun 1973	2 Jan 2024	None
Gillian Denise Guy Lungley	Director	Sep 1959	1 Apr 2024	None
Mihkel Torim	Director	Jan 1981	14 Aug 2025	None
Christian Dirk Schröder	Director	Jan 1971	25 Mar 2026	None
Kristofer Charles Brewster	Director	Jun 1980	1 Apr 2026	1 other company
Kerryn Lynn Bodell	Secretary	Not published	20 Jun 2022	–

Other companies run by these 9 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 44
closed down: 12
went insolvent: 2

In the full report: all 44 companies, named

What each company does, and whether it is still trading
Which of these 9 directors sit on each board, and since when
The 2 that went into liquidation or administration
The 6 on the FCA register
All 12 people who have ever been directors, with their dates

Key dates in its history

Lhv Bank’s history from the FCA register and Companies House, newest first.

Key events (6) All events (24)

2023

24 May 2023

Changed its registered name from "LHV UK Limited"

FCA register

2 May 2023

Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
Became authorised by the FCA

FCA register

2021

4 February 2021

Incorporated at Companies House
As Lhv Group took control (75–100% of shares)

Companies House

In the full report: all 24 events

All 24 events in its history (6 shown here)
Every director appointment and resignation: 15

Firms connected to Lhv Bank

Other FCA-listed firms that share a director, phone number or address with Lhv Bank. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 4
share a director: 4
past links: 2

In the full report: all 4 connected firms, named

How each is linked: shared directors (4)
Who links each one: the named directors, with dates
2 past links through former directors

Firms like Lhv Bank

Other firms of the same type (bank or building society), nearest first.

In London

Wells Fargo Bank, National AssociationLondonAuthorised Itau BBA International PLCLondonAuthorised Adyen N.V.LondonAuthorised Credit Suisse (UK) LimitedLondonAuthorised UBS AGLondonAuthorised DB UK Bank LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Lhv Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

44 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 24 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lhv Bank Limited FCA authorised?

Yes, Lhv Bank Limited (FRN 993767) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2023 and works as a bank or building society. The FCA has placed no limits on its permissions.

What is Lhv Bank’s phone number and website?

The FCA register lists the phone number 020 3005 0150 and the website lhv.com for Lhv Bank. If you were given different contact details, use these to check with the firm before going any further.

Is Lhv Bank a scam or clone?

Lhv Bank is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Lhv Bank?

It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Lhv Bank to the Financial Ombudsman Service, free of charge.

Who owns Lhv Bank?

Lhv Bank is owned by As Lhv Group, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 4 February 2021.

Who runs Lhv Bank?

Companies House lists 9 directors of Lhv Bank: Erki Kilu, Paul Richard Horner, Keith Butcher, Sally Jane Veitch, Rachelle Ann Frewer, Gillian Denise Guy Lungley and 3 more.

How long has Lhv Bank been in business?

The company was formed on 4 February 2021, and has held its current FCA authorisation since May 2023.

Does Lhv Bank use any other names?

It trades as LHV. It has previously used the name LHV UK Limited.