Aktia savings rates 2026: savings account and fixed-term deposit
In October 2026 the interest rate of Aktia's Säästötalletus (savings deposit) account is 0.25%, and the account has no minimum deposit or withdrawal limit. Aktia does not publish fixed-term deposit rates on its website.
Aktia savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| Savings deposit | 0.25% | 0.25% for the whole balance | Deposits and withdrawals at any time; no withdrawal limit. A card or payment services cannot be linked to the account. | not available | not available | See Aktia's price list. |
- Savings deposit: No minimum deposit. The account is opened with a message through mobile or online banking, so it requires an Aktia customer relationship.
Aktia fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 12 months | rate not published | not available | not available | Not published. |
- 12 months: Aktia's price list mentions a fixed-term deposit, but Aktia's website has no fixed-term deposit product page and no public rates.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Finland |
| Opening online as a new customer | not available |
| Requires a current account or customer relationship | not available |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank
Withholding tax: Finnish withholding tax 30%. The bank withholds 30% withholding tax, and the interest is not declared separately. Withholding tax does not count towards the 30% / 34% capital income tax rate threshold. Read more in the guides deposit guarantee and tax on savings deposits.
Calculate the return
Enter the amount and the term in the savings rates calculator to see the gross interest, the tax and the net interest of Aktia compared with other providers. See all providers in the savings rates comparison.
See also
- Savings rates comparison
- Fixed-term deposits compared
- Savings account vs fixed-term deposit
- Aktia price list and service fees
Similar savings rates
Sources
- Aktia: Säästötalletusretrieved 16 October 2026
- Aktia: Tilitretrieved 16 October 2026
Information checked 16 October 2026. Always check the current rate and terms with the provider.
Frequently asked questions
How much interest does Aktia pay on a savings account?
In October 2026 Aktia savings accounts and rates: Savings deposit 0.25%.
What is the fixed-term deposit rate at Aktia?
In October 2026 the fixed-term deposit rate at Aktia has not been published: rate not published.
Is a deposit at Aktia safe?
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Aktia?
Finnish withholding tax 30%. The bank withholds 30% withholding tax, and the interest is not declared separately. Withholding tax does not count towards the 30% / 34% capital income tax rate threshold.