Fixed-term deposit for companies
Holm Bank offers secure term deposits with leading interest rates.
Deposit amount
Deposit period
Interest rate up to
Suitable for
Why make a deposit with Holm Bank?
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.
Interest is calculated based on a 365-day year and the actual number of days in the transaction. Interest rates apply to fixed-term deposits for deposits of €10,000 or more.
| Period (months) | 3–5 | 6–8 | 9–11 | 12–17 | 18–23 | 24–35 | 36–47 | 48–59 | 60 |
| Interest (%) | 2.60 | 2.70 | 2.80 | 2.90 | 2.90 | 3.00 | 3.00 | 3.20 | 3.20 |
How to sign a deposit agreement?
Sign a fixed-term deposit agreement in our self-service
Make a transfer
Start growing your money
At the end of the deposit period, extend or withdraw the money together with the accrued interest.
Frequently asked questions
To open a deposit, log in to Holm Bank self-service as a business customer, provide the required information and documents, sign the deposit agreement and transfer the deposit amount to Holm Bank using the payment details specified in the agreement.
As a representative of the company, you will also need to complete identity verification.
You can find the detailed terms and conditions in the Depositor Information Sheet.
The deposit term and interest accrual begin when the deposit agreement takes effect. This means that the sooner you transfer the funds, the sooner the actual deposit term begins. If all conditions are not met within 7 calendar days, the agreement will not take effect and will be cancelled automatically.
Please make the payment in good time. Transfers from other Estonian banks are generally received on the same day if the payment order is submitted before 16:30. Payments made in the evening, at weekends or on public holidays are generally received on the next business day. Please note that transfers of larger amounts may take longer.
At the end of the deposit term, we will transfer the deposit amount together with the accrued interest back to the legal entity’s current account.
This helps us assess whether the deposit amount is consistent with the customer’s activities and the information available to us. Where necessary, we may also ask you to provide additional information or supporting documents.
To complete the verification, you will need an internet-connected device with a working camera and a valid identity document. We will send you a personal verification link by email. Then follow the instructions displayed on the screen.
Please note that if you terminate the agreement early, you will lose the interest accrued during the deposit term.
You can compare deposit terms and interest rates on the websites of different banks. A useful overview is also available in the deposit interest rate comparison published on minuraha.ee, the consumer information website of the Estonian Financial Supervision and Resolution Authority.
