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Term deposits

Convenient and safe way to keep your extra money

  • Easy to set up and always available to overview in your Internet Bank.
  • You can use it for keeping money or for savings.
  • You can always see your deposit amount, its term and the calculated interest in the Internet Bank.
Minimum Term e-deposit and Time regular deposit amount - EUR 150, USD 150. Possible maturity of time e. deposit and time regular deposit is from 7 days to 5 years.  By choosing Term e-deposit the interest calculated on the deposit amount will be transferred to your account at the end of deposit term, or every month if you choose Time regular deposit.
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  • Flexible term – from 7 days to 5 years.
  • Minimum amount is €140 or the equal amount in foreign currency (e.g. 150 USD, 150 GBP, 1500 NOK, 1500 SEK).
  • You can make several deposits with different amounts and periods, according to your future plans and needs.
  • Convenient to manage – your deposit can be automatically extended if you choose so. It will be automatically extended by the same period with the interest rate valid at the time of extension. You can choose if the deposit is extended with the interest earned or not.

Information about the insurance of deposits and liabilities to investors is available here.

  • By choosing Term e-deposit the interest calculated on the deposit amount will be transferred to your account at the end of deposit term, or every month if you choose Time regular deposit.
  • The deposit agreement could be concluded in euros, either cash or non-cash form, and in other currencies (USD, GBP, NOK, SEK) only in non-cash form.
  • No additional payments can be made into a term deposit during its term.
  • You can terminate your deposit early if you need to, but in this case the bank will not pay you any interest for the time that your money has been deposited. The deposit sum will be transferred to your account as soon as you terminate the deposit.

Term e-deposit: interest is paid at the end of the term

Deposit amount From 140 to 13 999 EUR From 14 000 EUR and more
from 7 to 29 days - 0.00
from 30 to 1800 days 0.05 0.05

Time regular: interest is paid on a monthly basis

Deposit amount From 140 EUR and more
from 7 to 29 days -
from 30 to 1800 days 0.00
  • An additional 0.05% bonus is applied for participants of the “Senior Programme”.
  • In the event of premature termination of the deposit agreement, interests for the deposit shall not be paid.
  • Interest rates shall be applied to newly accepted and extended deposits.

Term e-deposit: interest is paid at the end of the term

Deposit amount From 150 to 14 999 USD From 15 000 USD and more
from 7 to 29 days - 0.00
from 30 to 360 days 0.05 0.05
from 361 to 719 days 0.25 0.25
from 720 to 1079 days 0.30 0.30
from 1080 to 1439 days 0.45 0.45
from 1440 to 1799 days 0.65 0.65
1800 days 0.85 0.85

Time regular: interest is paid on a monthly basis

Deposit amount From 150 USD and more
from 7 to 29 days -
from 30 to 360 days 0.00
from 361 to 719 days 0.20
from 720 to 1079 days 0.25
from 1080 to 1439 days 0.40
from 1440 to 1799 days 0.60
1800 days 0.80
  • As of 9 October 2019, deposits in USD dollars are not accepted in cash.
  • An additional 0.05% bonus is applied for participants of the “Senior Programme”.
  • In the event of premature termination of the deposit agreement, interests for the deposit shall not be paid.
  • Interest rates shall be applied to newly accepted and extended deposits.

Term e-deposit: interest is paid at the end of the term

Deposit amount From 150 GBP and more
from 30 to 360 days 0.05
from 361 to 719 days 0.25
from 720 to 1079 days 0.30
from 1080 to 1439 days 0.45
from 1440 to 1799 days 0.65
1800 days 0.85
  • An additional 0.05% bonus is applied for participants of the “Senior Programme”.
  • In the event of premature termination of the deposit agreement, interests for the deposit shall not be paid.
  • Interest rates shall be applied to newly accepted and extended deposits.

Term e-deposit: interest is paid at the end of the term

Deposit amount From 1 500 NOK and more
from 30 to 360 days 0.05
from 361 to 719 days 0.25
from 720 to 1079 days 0.30
from 1080 to 1439 days 0.45
from 1440 to 1799 days 0.65
1800 days 0.85
  • An additional 0.05% bonus is applied for participants of the “Senior Programme”.
  • In the event of premature termination of the deposit agreement, interests for the deposit shall not be paid.
  • Interest rates shall be applied to newly accepted and extended deposits.

Term e-deposit: interest is paid at the end of the term

Deposit amount From 1 500 SEK and more
from 30 to 1800 days 0.00
  • An additional 0.05% bonus is applied for participants of the “Senior Programme”.
  • In the event of premature termination of the deposit agreement, interests for the deposit shall not be paid.
  • Interest rates shall be applied to newly accepted and extended deposits.

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. 7 out of 10 Lithuanians 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.

Find out which ways of saving and investment are suitable for you.

You will automatically top up your savings with a small amount every time you pay by card.

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