Fixed-term deposit for companies

Holm Bank offers companies the opportunity to open a secure deposit for a fixed term with the best deposit rates on the market.

Deposit amount

from €10,000

Deposit period

3-60 months

Interest rate


Suitable for

money safekeeping and growth
Fixed-term deposit for companies

The benefit of a fixed-term deposit is that your money is in a safe place and growing at the same time. If you have some spare money in your business account for which you have no spending plans for the foreseeable future, you can move it to a fixed-term deposit and have it grow at a set interest rate. Company deposits are protected by the national Guarantee Fund in the amount of up to €100,000.

To open a fixed-term deposit, fill in the application form. At the end of the deposit period, you can withdraw the deposit amount with the accrued interest. You can also use the deposit period auto-extension option. The interest rates and terms and conditions valid at the time of extension will apply for each new period.

Deposit interest rates

For business customers
The interest rates are given in the table on an annual basis, valid in period 12.06-23.06.2024.

Interest is calculated based on a 360-day year and the actual number of days in the transaction. Interest rates apply to fixed-term deposits in the amount of 10,00 to 400,000 euros.

Period (months)3-5 6-8 9-11 12 18 24 36 48 60
Interest (%)

How to sign a deposit agreement?


In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in Veriff OÜ. A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.

Why choose Holm Bank?

More than 25 years of experience

Extensive experience thanks to 350,000 people who have trusted us

Why choose Holm Bank?

Holm is an Estonian bank

A bank based entirely on Estonian capital

Why choose Holm Bank?

People are helpful and caring

We want to support with expert advice and suitable solutions

Why choose Holm Bank?

We are partner with over 2,000 stores and e-shops

We offer hire purchase in Estonia in both regular and online stores

Why choose Holm Bank?

Online services

The services are accessible online contactlessly, customer support can be contacted via email and telephone

Why choose Holm Bank?

We are constantly expanding our product portfolio

We develop Holm products with people’s needs in mind

Why choose Holm Bank?


We follow the principles of responsible lending

Why choose Holm Bank?

Services for both private clients and companies

We offer both credit products and fixed-term deposits

Frequently asked questions

Legal persons cannot open deposits in the self-service environment. To open a deposit, fill in the application for a business client deposit on our website and we will contact you.
Deposits at Holm Bank are protected by the Deposit Guarantee Sectoral Fund of the Guarantee Fund (Tagatisfond). If necessary, deposits are reimbursed with interest, but not more than in the amount of 100,000 euros per depositor. Read the depositor information here.
Pursuant to law, when applying for a deposit, the bank is required to request the ‘Legal entity form’ to be filled in. The form includes the main information about the company and its owners. In addition, banks are required to act in accordance with the ‘know your customer’ principle to avoid the risks associated with money laundering and terrorist financing and to ensure the soundness and transparency of the economic environment.
Pursuant to the Money Laundering and Terrorist Financing Prevention Act, we have an obligation as a bank to obtain a sufficient overview of the client and to know, based on the information previously known to us about the client, whether the amount deposited is ordinary or not. When we inquire about the origin of funds, we may ask the client to provide additional information and documents to verify the origin of the funds.
In order to comply with the due diligence requirements set for us as a bank, we ask you to identify yourself via video in the Veriff OÜ environment. A device with an internet connection and a working camera is required for verification. Have your identity document ready and follow the on-screen, step-by-step instructions. We will send you an e-mail with a personal link for verifying your identity.
To terminate the deposit prematurely, please send us a corresponding application in the self-service or by e-mail at We will then make a respective decision within 14 days after receipt of the application. We would like to draw your attention to the fact that upon early termination of the contract, you will lose the interest already earned during the deposit period and, pursuant to the general terms and conditions of the fixed-term deposit agreement, we may claim a fee for premature payment of the amount deposited in the extent of 2% of the amount deposited.

Additional information

You are on the website of the financial service provider Holm Bank AS. Before concluding each contract, read the terms and conditions and, if necessary, consult an expert.
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