Frequently asked questions
Holm consumer loan, Holm car loan, Holm renovation loan, Holm travel loan
Submitting a loan application is convenient and secure. After submitting an application, the response will be displayed immediately. If the decision is positive, please examine our offer, prepare a suitable payment schedule, carefully read the terms and conditions and sign the loan contract.
If you need more time to think things through before you sign the contract, the offer will be pending in our self-service environment.
We follow the principles of responsible lending. Therefore, in some cases, we need your bank statement or digital identification. We will always keep you up to date with the application process.
If you need more time to think things through before you sign the contract, the offer will be pending in our self-service environment.
We follow the principles of responsible lending. Therefore, in some cases, we need your bank statement or digital identification. We will always keep you up to date with the application process.
Yes. The repayment period of a Holm small loan can be 6–120 months. The exact payment schedule will become clear after assessing your solvency.
Yes – the amount overpaid will be an advance on the next instalment(s).
Yes, it is usually possible to make the Holm small loan payment schedule longer or shorter and to change the payment date. If you want to do so, notify Holm in writing on paper or by e-mail at info@holmbank.ee.
Yes, you can repay the loan or part of it received under the Holm consumer loan agreement ahead of time. If you have such a request, notify Holm in writing on paper or by e-mail info@holmbank.ee.
Swedbank
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to info@holmbank.ee together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to info@holmbank.ee.
You can also upload your account statement in our self-service environment.
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to info@holmbank.ee together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to info@holmbank.ee.
You can also upload your account statement in our self-service environment.
In case of payment difficulties, contact Holm Bank as soon as possible, you can find the necessary guidelines here.
A politically exposed person is a natural person who performs or has performed important functions of public authority and who continues to be exposed to the risks associated with it. The performers of important functions of public authority are:
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
Giving permission to submit an inquiry to the Pension Centre and the Tax and Customs Board and for these authorities to provide us with information about you will speed up the analysis of your application and the making of a credit decision. We use the data received from the Pension Centre to calculate your gross salary. The Tax and Customs Board provides Holm Bank with the following information: declared income (excluding income from the transfer of property); wages and other payments by employers (based on TSD); incapacity for work, unemployment insurance, and redundancy benefits, pensions, contributions to the third pension pillar, funded pension payments (based on TSD); entries made in the employment register (information on the employer and employment relationship); dividends and distributions from equity capital; tax debt from 100 euros. The corresponding data are for up to 12 months prior to the inquiry. We use the obtained data to assess creditworthiness.
The annual percentage rate of charge shows the percentage of the actual cost of the loan to the borrower per year, taking into account all known costs that the customer has to pay.
You can see your contracts from our self-service. Enter self-service here.
The reference number of the Holm small loan contract is the contract number which you can find in the header of your contract. CHANGE: if you have entered into a Holm small loan agreement after 9 December 2020, you will find the reference number in the ‘Loan repayment and making payments’ section of the loan contract and in the payment schedule. This is the reference number of your personal electronic customer account for making payments on new small loan contracts. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also monitor your contracts and accounts in our self-service.
After signing the contract, we usually pay out the loan amount within 1 working day. The loan amount will be transferred to your personal account.
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 loans is 15,000 euros or more. 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.
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.
All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 18 years of age can apply for a Holm small loan. Your income must be at least 250 euros a month and you must not be in arrears.
Holm instalments and small loans are paid on the basis of a payment schedule (annex to the contract). Holm does not send a monthly invoice. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also follow the payment schedule in our self-service environment.
A credit limit is a monetary limit within which you can purchase goods or services. With Holm small loans, it is possible to apply for a maximum of 25,000 euros. Your possible Holm small loan limit will be determined after you submit the application. Fill in the application here.
The monthly management fee starts from €0. The amount of the management fee is reliant on the current terms and conditions and effective campaigns. Please review the terms and conditions in your offer and contract.
Liisi hire purchase
All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 18 years of age can use Liisi hire purchase. Your income must be at least 250 euros a month and you must not be in arrears.
Yes, a company can enter into a Liisi hire purchase contract with the guarantee of a private individual. Check out other business loan products here.
You can sign a Liisi hire purchase contract in the store on paper or digitally with an ID-card, Mobile-ID, or Smart-ID.
A credit limit is a monetary limit within which you can purchase goods or services. With Liisi hire purchase, it is possible to apply for a maximum of 10,000 euros. Your possible hire purchase limit will be determined after you submit the application. Ask for an offer from a store suitable for you or before the purchase from us.
The contract fee is from 0 euros. The amount of the contract fee depends on the store and the ongoing campaigns.
There is no administration fee for Liisi hire purchases.
Liisi instalments and small loans are paid on the basis of a payment schedule (annex to the contract). Holm does not send a monthly invoice. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also follow the payment schedule in our self-service environment.
With Liisi hire purchase contracts, the reference number is the contract number, which you can find in the header of the contract.
A surety is a security given by a guarantor. The guarantor is the person responsible for the loan taken by the borrower. If the borrower fails to repay, the guarantor is obliged to pay the debt. In the case of several guarantors, all guarantors are jointly liable. The guarantor can be a citizen of the Republic of Estonia or a person with a permanent residence permit in Estonia at least 18 years of age, who must have a secure income and must not be in arrears.
Yes. The repayment period of Liisi instalments can be 1–60 months. The exact payment schedule will become clear after assessing your solvency.
Yes – the amount overpaid will be an advance on the next instalment(s).
Yes, you can repay the loan or part of it received under the Liisi hire purchase contract ahead of time. If you want to do so, notify Holm in writing on paper or by e-mail at info@holmbank.ee.
Yes, it is usually possible to make the Liisi hire purchase payment schedule longer or shorter and to change the payment date. If you want to do so, notify Holm in writing on paper or by e-mail at info@holmbank.ee.
Swedbank
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to info@holmbank.ee together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to info@holmbank.ee.
You can also upload your account statement in our self-service environment.
Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to info@holmbank.ee together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
LHV
Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to info@holmbank.ee. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to info@holmbank.ee.
You can also upload your account statement in our self-service environment.
In case of payment difficulties, contact Holm Bank as soon as possible, you can find the necessary guidelines here.
A politically exposed person is a natural person who performs or has performed important functions of public authority and who continues to be exposed to the risks associated with it. The performers of important functions of public authority are:
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
Giving permission to submit an inquiry to the Pension Centre and the Tax and Customs Board and for these authorities to provide us with information about you will speed up the analysis of your application and the making of a credit decision. We use the data received from the Pension Centre to calculate your gross salary. The Tax and Customs Board provides Holm Bank with the following information: declared income (excluding income from the transfer of property); wages and other payments by employers (based on TSD); incapacity for work, unemployment insurance, and redundancy benefits, pensions, contributions to the third pension pillar, funded pension payments (based on TSD); entries made in the employment register (information on the employer and employment relationship); dividends and distributions from equity capital; tax debt from 100 euros. The corresponding data are for up to 12 months prior to the inquiry. We use the obtained data to assess creditworthiness.
The annual percentage rate of charge shows the percentage of the actual cost of the loan to the borrower per year, taking into account all known costs that the customer has to pay.
You can see your contracts from our self-service. Enter self-service here.
You can find the list of Liisi hire purchase partners here.
Liisi credit card
Not using the credit card does not entail any obligations for you, because the credit card does not have a monthly maintenance fee.
The physical credit card should be activated on our self-service site, virtual credit card is ready to be used right away after you have activated internet purchases and inserted 3D password.
You can check the unused limit of your card on our self-service site. Physical credit card unused limit is also visible on any ATM for a service fee of €0.47.
You can see card transactions on our self-service site.
The virtual credit card and the initial physical credit card are for free. If you lose your physical credit card and wish to order a new one, you can do that on our self-service site, yet then service fee of €10 will be applied for the new physical credit card.
You can use your credit card to pay for purchases in shops that support card payments and in online stores that accept Visa cards. For security reasons, the credit card cannot be used for making purchases in the following countries: Afghanistan, Albania, Argentina, Bahamas, Barbados, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Burkina Faso, Burundi, Cayman Islands, Cambodia, Colombia, Democratic Republic of the Congo, Dominican Republic, Equatorial Guinea, Ethiopia, Ghana, Guinea-Bissau, Guyana, Haiti, Hong Kong, Iceland, India, Iraq, Iran, Jamaica, Laos, Lebanon, Libya, Mauritius, Mexico, Mongolia, Morocco, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Peru, Philippines, Republic of the Congo, Russia, Senegal, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Syria, Thailand, Trinidad and Tobago, Tunisia, Turkmenistan, Uganda, Ukraine, United States of America, Vanuatu, Venezuela, Vietnam, Yemen and Zimbabwe.
The interest-free period for credit cards is 15 days for each purchase. Interest is added to the used credit amount from the 16th day.
Holm Bank AS will send you monthly payment orders indicating the instalment to be paid, the credit limit used, the unused contractual limit, the interest rate applied to the contract and a statement of transactions. Interest is calculated on the loan balance on a monthly basis. Invoiced must be paid by the 10th of the month at the latest. The card will be suspended in the event of arrears. You can always pay off the entire balance indicated on the payment order or a part of that balance, but no less than the amount of the minimum instalment. Repayments are to be made to the current account of Holm Bank AS (EE391010220035757017 in SEB Bank or EE087700771000802113 in LHV Bank). The reference number is obligatory!
If the purchased goods or services are either of poor quality, do not meet the conditions, or the delivery time of the goods has been exceeded, contact the relevant merchant. Goods and services which require recurring payment must first be terminated by the trader or service provider. Card transactions made during the provision of the service will not be refunded. In the case of hotel bookings and car rental transactions, fees may be added depending on the nature of the service (minibar bills, traffic fines, tolls) or in the case of no show. Please contact the merchant or service provider to find out the circumstances of the transaction. If you have any questions, e-mail us at kaart@holmbank.ee.
The virtual credit card can be used in stores and online shops. Add it to your smartphone’s Google Pay or mTasku digital wallet and use wherever VISA cards are accepted.
Private customer deposits
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.
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 your deposits with interest or the total amount of loans are 15,000 euros or more. You need an Internet-connected device with a working camera. Have your ID ready and follow the on-screen instructions. We will send you a personal link where you can identify yourself to your e-mail address.
When concluding a deposit agreement, we will show you a pre-filled payment order in the self-service environment, which contains all the data necessary for the transfer. Transfer the deposit amount to the current account with Holm Bank indicated in the payment order using the reference number which is your customer account number. It is important to remember that the payment must be received from your personal current account with another Estonian bank and the payment term is 7 days from the conclusion of the deposit agreement.
The deposit 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.
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 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 in the amount of 100,000 euros per depositor. Read the depositor information sheet at 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 terminate the deposit prematurely, please send us a corresponding application by e-mail at info@holmbank.ee.
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.
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.
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
