Bigbank savings rates 2026: savings account and fixed-term deposit
In October 2026 Bigbank's fixed-term deposit rates are 3.25% for 12-23 months and 3.40% for 24-120 months when the interest is paid at the end of the deposit period. The savings account rate is 2.50%, and new customers get 2.80% for the first three months.
Bigbank savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| Savings account | 2.50% | 2.50% current rate; for new customers 2.80% for the first 3 months | No costs and no withdrawal limits. | not available | not available | Costs €0. |
- Savings account: Maximum deposit €250,000. Interest is paid annually.
Bigbank fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 1 month | 2.25% | €1,000 | €100,000 | Not stated on the product page; see Bigbank's contract terms. |
| 3 months | 2.60% | €1,000 | €100,000 | Not stated on the product page; see Bigbank's contract terms. |
| 6 months | 3.00% | €1,000 | €100,000 | Not stated on the product page; see Bigbank's contract terms. |
| 12 months | 3.25% | €1,000 | €100,000 | Not stated on the product page; see Bigbank's contract terms. |
| 24 months | 3.40% | €1,000 | €100,000 | Not stated on the product page; see Bigbank's contract terms. |
- 1 month: Interest paid at the end of the deposit period; 1-2 months.
- 3 months: Interest paid at the end of the deposit period.
- 6 months: 6-11 months the same rate; interest paid at the end of the deposit period.
- 12 months: 12-23 months the same rate, paid at the end of the deposit period; with annual interest payment 1 year 3.25%. On renewal a +0.10% bonus rate under conditions.
- 24 months: 24-120 months the same rate, paid at the end of the deposit period; with annual interest payment 2-10 years 3.35%.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Estonia |
| Opening online as a new customer | Yes |
| Requires a current account or customer relationship | No |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Estonian deposit guarantee (Tagatisfond), €100,000 per customer for all Bigbank deposits combined. Bigbank AS operates in Finland as a branch, so the Financial Stability Authority pays compensation to the depositors of the Finnish branch.
Withholding tax: Finnish withholding tax 30% (branch, not confirmed by the bank). Interest paid by a branch operating in Finland should by law be subject to withholding tax (30%), but the bank does not confirm the withholding itself. Check with the bank. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. 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 Bigbank compared with other providers. See all providers in the savings rates comparison.
See also
Similar savings rates
Sources
- Bigbank: Määräaikaistalletusretrieved 16 October 2026
- Bigbank: Säästötiliretrieved 16 October 2026
- Rahoitusvakausvirasto: Talletussuojajärjestelmän pankitretrieved 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 Bigbank pay on a savings account?
In October 2026 Bigbank savings accounts and rates: Savings account 2.50%. Note: campaign.
What is the fixed-term deposit rate at Bigbank?
In October 2026 Bigbank fixed-term deposit rates: 1 month 2.25%, 3 months 2.60%, 6 months 3.00%, 12 months 3.25% and 24 months 3.40%. The terms for early withdrawal vary, and they are shown in the table on the page.
Is a deposit at Bigbank safe?
Estonian deposit guarantee (Tagatisfond), €100,000 per customer for all Bigbank deposits combined. Bigbank AS operates in Finland as a branch, so the Financial Stability Authority pays compensation to the depositors of the Finnish branch. The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Bigbank?
Finnish withholding tax 30% (branch, not confirmed by the bank). Interest paid by a branch operating in Finland should by law be subject to withholding tax (30%), but the bank does not confirm the withholding itself. Check with the bank. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that.