Fixed-term deposit

Open a deposit

The charm of a fixed-term deposit lies in the fact that money is kept in a safe place and is growing at the same time. Holm deposits, just like those of any financial institution, are protected by the national Guarantee Fund in the amount of up to €100,000. You can open a fixed-term deposit in our self-service. You can withdraw the deposit amount together with the accrued interest amount at the end of the deposit period. You can also use the option to automatically extend the deposit period; the interest rates and conditions valid at the time of the extension apply for each new period.

Deposit interest rates

For private customers
The interest rates are given in the table on an annual basis, valid from 26th of May 2023.

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 500 to 100,000 euros.

Period (months)3-5 6-8 9-11 12 18 24 36 48 60
Interest (%)2,503,003,504,003,553,553,553,553,55

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 the Veriff OÜ environment if the total amount of your deposits, including interest, exceeds 15,000 euros. If you are not a citizen of the Republic of Estonia, we might also ask you to identify yourself. 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

Frequently asked questions

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