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My deposits

Let your savings earn extra

  • Deposit is the most convenient and secure way to grow your money – 100% guaranteed at the end of the period.
  • You can choose between the standard term deposit and the flexible Easy Saver solution.
  • Find the most suitable deposit for you and start saving today!

Special offer! Open term deposit for 12 months until 25.10.2023 (incl.) and earn interest 4,5% per year.

Which deposit to choose?

Easy Saver

The best way to grow your spare money

Term deposit

A good way to grow your money over a fixed period of time

Overnight deposit

Convenient way to earn interest from your money on current account

Minimum deposit amount EUR 0 EUR 190 EUR 60 000
Deposit term The deposit is open-ended, the money can be withdrawn free of charge at any time 2 days -
2 years
1 night
Annual interest rate 2% Up to 4.50% Changing daily
Current interest rates
Option to add money Yes, one-off and regular deposits at any time No No Not possible to make additional payments during period when deposit amount is on overnight deposit account (during 22.00-07.00)
Additional options for saving Rounding of card payments No No

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  • Overnight deposit means that at the end of each day, the money in your current account specified in your overnight deposit contract is transferred to a short-term deposit, where it earns interest. By the morning of the next day, your money will be transferred back to the current account together with the earned interest.
  • The overnight deposit has the shortest term - every day from 22.00 to 7.00 the next day.
  • Interest is transferred to your current account on the next day.
  • Minimum deposit amount on current account (excl. money from overdraft/credit line limit) is required for deposit activation.
  • Interest rate can change every day.
  • It is always easy and convenient to review your contract in your Internet Bank.

Protection of deposits

  • The Guarantee Fund Act guarantees reimbursement of up to EUR 100,000 per depositor in one bank.
  • Under the Guarantee Fund Act, the current account and the Easy Saver are also considered deposits.

If a deposit is subject to reimbursement under the Guarantee Fund Act, the statement of deposit will indicate this.

More information is available on the website of the Guarantee Fund.

Taxation

  • From 2018, income tax is levied on interest earned on deposits (including current accounts) of all Estonian residents who are private persons.
  • We will withhold the income tax on your deposit and transfer it to the Estonian Tax and Customs Board. The withheld income tax will automatically be reflected on your tax return.
  • In the event of early termination of a deposit, you will not receive interest for the current deposit period. In case of a term deposit with monthly interest, the interest already paid out will be deducted from the principal amount of the deposit. We will automatically reimburse you for any income tax previously withheld on the interest.
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