Fixed-term deposit
Holm Bank offers secure term deposits with leading interest rates*.
Deposit amount
from €100
Deposit period
1-60 months
Interest rate until
3% per annum
Suitable for
money safekeeping and growth
Open deposit
Holm Bank deposits are protected by the national Guarantee Fund in the amount of up to €100,000. You can open a fixed-term deposit via our self-service. 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.
* As of February 09, 2026, our deposit interest rates are the best compared to the term deposit rates offered by banks in Estonia.
Deposit interest rates
For private customers
The interest rates are given in the table on an annual basis, valid from 13.02.2026
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 starting from the amount of 100 euros.
| Period (months) | 1-2 | 3-5 | 6-8 | 9-11 | 12 | 18 | 24 | 36 | 48 | 60 |
| Interest (%) | 2.25 | 2.25 | 2.50 | 2.60 | 2.70 | 2.70 | 2.80 | 2.80 | 2.90 | 3.00 |
The interest rates are given in the table on an annual basis, valid from 16.03.2026
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 starting from the amount of 100 euros.
| Period (months) | 1-2 | 3-5 | 6-8 | 9-11 | 12 | 18 | 24 | 36 | 48 | 60 |
| Interest (%) | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
How to sign a deposit agreement?
1
Sign a fixed-term deposit agreement in our self-service
2
Make a transfer
3
Start growing your money
4
At the end of the deposit period, extend or withdraw the money together with the accrued interest amount
Frequently asked questions
To open a deposit in Holm, enter our self-service environment, where you will find further instructions. If you have agreed to the terms of the self-service agreement, fill in the deposit agreement application and sign the deposit agreement. You can do all this electronically in the self-service. If you have any questions, please contact our customer support.
Please transfer the deposit amount from your own current account to the current Holm Bank's customer account within seven (7) calendar days of entering into your deposit agreement. The required payment details can be found for the transfer on our self-service site once you have signed your agreement.
The customer account is an account with your personal reference number in Holm Bank, through which settlements take place between the bank and you. The customer account is not a current account and cannot be used for daily banking transactions.
Please make your payment in good time. Transfers from other Estonian banks usually arrive on the same day if the payment is made before 4:30 pm.
Payments made in evenings, at weekends and on public holidays will usually arrive on the next business day. Please note that transferring larger amounts may take longer.
Payments made in evenings, at weekends and on public holidays will usually arrive on the next business day. Please note that transferring larger amounts may take longer.
The money collected on the deposit account will be transferred to your customer account at Holm Bank at the end of the deposit period. You can transfer the money in the customer account to your current account at another bank at any time or use it to open a new deposit.
In case of automatic extension of the deposit period, the deposit is extended for the same period as the length of the original deposit agreement.
In case of an automatic extension of the deposit period, a new interest rate applies to the new deposit period in accordance with the interest rate valid at Holm Bank on the first day of the new deposit period.
A deposit can be opened at Holm Bank by a natural person resident in Estonia who is at least 18 years of age or a legal person registered in Estonia.
Holm’s deposits are protected by the Deposit Guarantee Sectoral Fund of the Guarantee Fund (Tagatisfond). If necessary, deposits are reimbursed with interest, but not more than 100,000 euros per depositor. Read the depositor information sheet here.
Holm Bank withholds income tax on the interest on the deposit and pays it to the Tax and Customs Board on your behalf. It is possible to defer payment of income tax on the earned interest if you use a personal investment account opened with your other bank when making a money transfer and letting us know about it. To do this, you must state in the terms and conditions when opening the deposit that you have a legal basis for not withholding income tax on deposit interest. Holm does not open investment accounts.
Pursuant to the Money Laundering and Terrorist Financing Prevention Act, we have an obligation as a bank to obtain a sufficient overview of the customer and to know whether the amount deposited is customary to the information previously known to us about the customer or not. When asking about the origin of money, we can ask the customer to provide additional information and documents to verify the origin of the money.
When concluding a deposit agreement, it is possible to choose automatic extension of the deposit period. In this case, at the end of the deposit period, the deposit period is automatically extended for the same deposit period on the first day of the new deposit period with the interest rate valid in the bank. The automatic extension of the deposit period can be set or waived during the entire deposit period by changing the arrangement for the extension of the agreement in the self-service environment.
To request the early termination of your fixed-term deposit, please send us a digitally signed application by email to [email protected].
We generally review applications within one working day, and the deposit amount will be transferred to your customer account at Holm Bank within two banking days after the request is approved.
Please note that by terminating the agreement early, you will lose any interest accrued during the deposit period.
We generally review applications within one working day, and the deposit amount will be transferred to your customer account at Holm Bank within two banking days after the request is approved.
Please note that by terminating the agreement early, you will lose any interest accrued during the deposit period.
You can choose whether to receive the interest calculated on the deposit amount at the end of the deposit period or once a year. However, you can only receive interest once a year if the selected savings period is at least 12 months.
To fulfil the due diligence obligations placed on us as a bank, we may ask you to verify your identity via video in Veriff’s environment. To verify your identity, you will need a device with an internet connection and a working camera. Please have your identity document ready and follow the step-by-step instructions shown on the screen. We will send you a personal link for identity verification to your email address.
Additional information
Holm Bank AS
Posti 30, 90504 HaapsaluReg. code 14080830VAT EE101970615
