Updated October 16, 2026 · VaultCue Editorial Team
Fi Money vs Lhv Pank
Fi Money
Higher score in this comparison
Lhv Pank
What sets them apart
| Compare | Fi MoneyReviewSee alternativesSee alternatives | Lhv PankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | ₹0 | Not confirmed |
| Licence type | Payment institution | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
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Our verdict on each
Fi Money
Fi Money charges a monthly fee of INR 0 and a currency conversion fee of 0%, a pairing that sits at the sharp end of the everyday account market. It suits people who want easy access savings on digital only terms, and less so anyone who needs support beyond email, chat and help centre.
Lhv Pank
LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
Score breakdown
| Area | Fi Money | Lhv Pank |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| Offer | 9.2 | Not confirmed |
| Trust | 8.2 | Not confirmed |
Every fact side by side
| Fact | Fi Money | Lhv Pank |
|---|---|---|
| Pricing model | No monthly fee, Low FX | Not confirmed |
| Features | Digital only | Not confirmed |
| Legal entity | Money International | Not confirmed |
| Headquarters | Belgium | Not confirmed |
| Support channels | Email, Chat, Help centre | Not confirmed |
Savings
| Fact | Fi Money | Lhv Pank |
|---|---|---|
| Access terms | Existing accounts: log in to the Federal Bank FedMobile app; new savings accounts cannot be opened through the Fi app | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Fi Money | Lhv Pank | Median |
|---|---|---|---|
| Monthly fee | ₹0at the median | Not confirmed | ₹0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
Median across 377 listed accounts.
Pros and cons
Fi Money
Pros
- A monthly fee of INR 0 and a conversion fee of 0% put Fi Money at a rank of 1 among 500 brands, and 1 among 312 brands for conversion.
- Deposits sit under EU DGS up to EUR 100,000, and the savings account is easy access so the balance stays reachable.
- The pricing model is no monthly fee and low fx, with day to day help over email, chat and help centre.
Cons
- New savings accounts are opened outside the Fi app, so existing customers reach the balance through the Federal Bank FedMobile app.
- Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
- The account is digital only, so branch and counter service are ruled out.
Lhv Pank
Pros
- LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
- The captured information does not specify eligibility or pricing.
Who each suits
Fi Money
Who it suits
- People who want an easy access savings account with a monthly fee of INR 0 and a conversion fee of 0%.
- Existing Federal Bank FedMobile app users who want their savings balance in the same place as their everyday banking.
Who should look elsewhere
- Anyone after a card and credit product rather than savings, where AXI Card lists a monthly fee of €0.
- People who want a dealing platform or a payments wallet, where XTB charges a monthly fee of €0 and Skrill charges €0.
Lhv Pank
Who it suits
- Estonia borrowers checking an LHV collateral-backed private loan
Country by country
| Country | Fi Money | Lhv Pank |
|---|---|---|
| Belgium | Yes | No |
| India | Yes | No |
Questions about each
Fi Money
What does it cost to keep a Fi Money account?+
The monthly fee is INR 0 and the currency conversion fee is 0%, so neither common charge adds anything to the cost. Fi Money ranks 1 among 500 brands for the monthly fee and 1 among 312 for conversion.
Is my money protected and who regulates Fi Money?+
The legal entity is Money International, registered in Belgium, and it holds a payment institution licence listed as PSD_PI BE_NBB!0475445104. It appears on the BE_NBB register and the European Banking Authority payment services register. Deposits are covered by EU DGS up to EUR 100,000, which protects savings up to the scheme limit.
What kind of account is the Fi Money savings account?+
It is an easy access account, so savings stay reachable rather than locked for a set period. The account runs on no monthly fee and low fx terms, and the service is digital only, with everything handled in the app.
How do I open and reach the savings account?+
New savings accounts are opened outside the Fi app, while existing customers log in to the Federal Bank FedMobile app to reach the balance. The account is digital only, so access runs through the Federal Bank app rather than a standalone Fi app.
Other options to compare
Related by the facts
Fi Money
Lhv Pank