Fixed-term deposit
Deposit from €500-€100,000
Deposit period
3–60 months
Interest rate up to 4.60%
Risk-free
Guaranteed growth
Money for depositing and saving
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
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 (%) | 4.00 | 4.20 | 4.40 | 4.60 | 4.60 | 4.00 | 3.60 | 3.60 | 3.60 |
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 amount
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.
Frequently asked questions
We will transfer the deposit amount to the client account within 15 days as of the receipt of the notice of termination. If you wish us to transfer the deposit amount to the client’s account within a shorter term than 15 days, the Bank will be entitled to charge, and the depositor is obliged to pay a fee of 2% of the deposit amount.
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.
Additional information
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
