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Easy Saver

When saving becomes easy

The Easy Saver will help your savings grow in small but smart steps. It is up to you to choose the favourite way to save – try them all and find out what works best for you. Easy Saver allows you to top up your savings account by:

  • rounding up each card payment
  • setting up a standing order to save regularly
  • freely adding money to savings account whenever you want to

New! Your Easy Saver will now save you extra money: 0,5% per year!

Savings are already growing? Start investing, you can begin even with 1 EUR.

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  • 30  EUR
  • 0  EUR
  • 30EUR
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Easy Saver is a deposit, which allows you to save money step by step. No minimum first contribution requirement applies. With Easy Saver you decide yourself how much to add to savings. This is available in our mobile app and Internet Banking.

Set a savings goal and start topping up your savings by:

  • using card payment round-up feature – top up your savings with every card payment;
  • setting up a standing order to reach your saving goal faster;
  • depositing extra money to your Easy Saver. It will help to reach your goal even faster;
  • setting up multiple Easy Saver goals and savings accounts to reach them.

Good to know

  • You can use the money saved in part or in full or terminate the contract at any time, free of charge. Interest calculated on the deposit amount is transferred to your Easy Saver account.
  • Keep in mind to check your account balance regularly when using card payments round-up function. If you‘ve got financial obligations, make sure to maintain a sufficient balance to meet them.

It is easy to contribute to your savings with card payment round-up feature. The more often you use your card to pay, the more you will save.

  • When you start using the Easy Saver, the round-up feature is enabled automatically. Enable/disable the round-up feature at any time in your settings.
  • An amount equivalent to the difference between the purchase amount and the next full euro amount will be transferred to your Easy Saver account. For example, if you pay €2.35, then €0.65 will be transferred from your servicing account to the Easy Saver.
  • Round-up is applied to payments made by all your cards – both debit and credit. For example, if you pay by credit card, an amount transferred from your servicing account to your Easy Saver, not from your credit card account.
  • The round-up feature may be activated for one goal at the time. If you’ll open several savings accounts, you’ll need to select which one will be debited with round-up feature.
  1. You can conclude an Easy Saver agreement via our mobile app or Internet Banking.
  2. Set the goal. This way, you will always remember the purpose of the saving and you can observe how you get closer and closer to the goal.
  3. Have in mind, that card payment round-up feature is activated automatically. You can enable/disable this feature at any time in Easy Saver settings.
  4. To save faster and regularly you can add a standing order.
  5. Remember, with Easy Saver you can add or withdraw money at any time without any fees.

Tip! Would you like the money sent by a friend to go to your Easy Saver? Use our "Money request" option in our app and select the Easy Saver account as you request the money and it will be transferred there automatically.

  • Deposits can be made in EUR only.
  • The Easy Saver is available from the age of 6.
  • The agreement is open-ended. You can terminate the contract at any time without fees.
  • You can withdraw money free of charge and receive it immediately.
Easy Saver terms and conditions
  • New! The interest rate of Easy Saver is now 0.5%. This means that if your Easy Saver holds, for example, 1000 €, it will automatically earn you an additional 5 € in a year.
  • Interest is calculated on the account balance at the end of each day and paid to you every three months after opening the Easy Saver. You can view the interest received from the app and from your Easy Saver account statement.
  • Swedbank withholds the income tax and transfers it to the Tax and Customs Board. The withheld income tax is automatically included in your income tax return.
Currency EUR
Annual interest rate 0.5

There is no minimum amount for Easy Saver. Interest rate is presented on a basis of accounting year (360 days). Interest is calculated for the actual deposit days.

Saving is the key to your financial sustainability

People with savings are more financially resilient to shocks as unemployment, natural disasters, and unplanned expenses like medical bills or a new rooftop. Being mindful about your consumption may not only reduce your impact on environment but also help you save more.

  1. Set specific saving goals, e.g. safety pillow, vacation, new laptop, etc. This will help monitor progress and assign meaning to saving habits.
  2. Save small amounts routinely to increase your savings. Have at least 3 months of your expenses saved to ensure you can overcome any unexpected challenges.
  3. Save money by choosing products that will last longer. Evaluate the cost per use of each product and choose your purchases wisely.
Saving becomes a habit for many people. Join them and build your financial sustainability. 8 out of 10 Estonians say they recently started saving more on daily basis. Swedbank survey, 2020.

Save instead of wasting

People throw away 20% of food and 43% of clothes they have purchased every year. See how much money you could potentially save if you only consumed as much as you needed.

Monthly spendings

Potential monthly savings

  • 0EUR
  • 0EUR
  • 0EUR

Based on European Environment Agency.

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