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?
When opening a term deposit until 30. November 2023 (incl.), the 12-month deposit interest is 4.5%.

New! Now you can conclude the contract for overnight deposit conveniently in the Internet Bank.

Interest amount
Annual interest rate
%
Total amount

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	3.75
6 months	4.00
9 months	4.00
12 months	4.50
18 months	3.50
24 months	3.50

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 26.10.2023.

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 € 60 000.
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 60 000	1.662
from 300 000	1.762
from 1 000 000	1.962
from 2 000 000	2.162

Changed 29.11.2023 18:00:29

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	1.120
from 1 000 000	1.620
from 2 500 000	1.620
from 5 000 000	1.920

Changed 29.11.2023 18:00:29

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.

Deposits

Compensation of deposits

Deposits – safe and flexible method of investment

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

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

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

You have been logged out from Internet bank