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Deposits

Compensation of deposits

Deposits of up to 100 000 euros are guaranteed to the extent of 100% per depositor in any one credit institution. Deposits are compensated with the interest earned by the day the deposit is stopped, but no more than the established limit. This means that an amount deposited in any bank registered in Estonia, incl. Swedbank, is fully guaranteed by the state to the extent of said amount.

Further information about the procedure, payment and deadlines of compensation can be found on the homepage of the Guarantee Fund.

Deposits – safe and flexible method of investment

  • Choose the most suited savings method for you, depending on the potential expected profit and term of savings.
  • Your deposit is guaranteed by the state up to €100,000. What does it mean to you?
  • With a term deposit you earn up to 4,5% annual interest on your deposit amount.
  • With a term deposit you earn up to 4% annual interest on your deposit amount.
  • New! Now the amount of minimum overnight deposit is 30,000 euros.

The calculation is approximate and may differ from the conditions offered to you.

Term deposit is a convenient and safe way to keep your extra money while receiving a fixed return.

  • Easy to set up and always available to overview in your Internet Bank.
  • Interest pay-out at the end of deposit term or every month, whichever you prefer.
  • Term deposit can be concluded with a fixed amount.
  • You can conclude several deposits with different amounts and periods.
  • Your deposit can be automatically extended with the interest rate valid at the time of extension.
  • You can terminate deposit agreement earlier free of charge, however, in this case you will not receive the accrued interest.

documentConditions of term deposit

documentConditions of term deposit (valid as of Nov 1, 2023)

Minimum deposit amount 190 EUR
Period Annual interest rate
< 1 month 0.1
1 month 2.25
3 months 4.50 3.75
6 months 4.20 4.00
9 months 4.20 4.00
12 months 4.00
18 months 3.25
24 months 3.25 3.00
Minimum deposit amount 250 USD
Period Annual interest rate
1 month 1
3 month 1.5
6 months 1.75
9 months 2
12 months 3
18 months 3
24 months 3
Minimum deposit amount 180 GBP
Period Annual interest rate
1 month 0.5
3 month 0.7
6 months 0.9
9 months 1.1
12 months 1.3
18 months 1.3
24 months 1.3
Minimum deposit amount 2100 SEK
Period Annual interest rate
1 month 0.3
3 month 0.4
6 months 0.6
9 months 0.8
12 months 1
18 months 1
24 months 1
Minimum deposit amount 1700 NOK
Period Annual interest rate
1 month 0.3
3 month 0.4
6 months 0.6
9 months 0.8
12 months 1
18 months 1
24 months 1
Minimum deposit amount 310 CAD
Period Annual interest rate
1 month 0.5
3 month 0.7
6 months 0.9
9 months 1.1
12 months 1.3
18 months 1.3
24 months 1.3

Effective from 01.12.2023.

Effective from 11.01.2024.

Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Overnight deposit is easy, convenient tool and relevant solution for liquidity management purposes of companies.

  • An overnight deposit earns interest from the first cent for all balance, if the amount on the linked current account is at least € 30 000.
  • Easy to set up and always available to overview in your Internet Bank.
  • Overnight deposit with the shortest term lasting every day from 10 pm to 7 am the next morning.
  • Interest transferred to your current account on the next morning.
  • Interest may change every day.

documentConditions of Overnight Deposit Agreement

Deposit amount EUR Annual interest rate
from 30 000 1.271
from 60 000 1.671
from 300 000 1.771
from 1 000 000 1.971
from 2 000 000 2.171

Changed 18.03.2024 18:00:31

Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Deposit amount USD Annual interest rate
from 100 000 1.110
from 1 000 000 1.610
from 2 500 000 1.610
from 5 000 000 1.910

Changed 18.03.2024 18:00:31

Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Good choice for starting investors – start with as little as 1 euro. Have a single view of all the group´s funds.
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