Oma Säästöpankki savings rates 2026: savings account and fixed-term deposit
In October 2026 the interest rate of Oma Säästöpankki's savings deposit account is 0.0% according to the price list, and the rate of an investment deposit is agreed case by case at a branch. OmaSp became part of the S-Bank group on 7 October 2026, but services continue unchanged for the time being.
Oma Säästöpankki savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| Savings deposit account | 0.00% | 0.0% (fixed rate on the daily balance) | Deposits and withdrawals at any time. | not available | No | See OmaSp's service price list. |
- Savings deposit account: The rate is from OmaSp's saving and investing service price list of 1 November 2025.
Oma Säästöpankki fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 12 months | rate not published | €1,000 | not available | Not stated on the product page or in the price list. |
- 12 months: Investment deposit: rate by agreement, most commonly 6-24 months; OmaSp asks you to ask a branch for the current deposit offer, so there is no public rate. Interest day convention 360/360.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Finland |
| Opening online as a new customer | No |
| 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. OmaSp has been part of the S-Bank group since 7 October 2026, but on the Financial Stability Authority's list it is a separate deposit bank in October 2026. If the banks merge, the guarantee limit applies to their combined deposits.
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 Oma Säästöpankki 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
- Oma Säästöpankki price list and service fees
Similar savings rates
Sources
- OmaSp: Palveluhinnasto Säästäminen ja sijoittaminen 1.11.2025retrieved 16 October 2026
- OmaSp: Sijoitustalletusretrieved 16 October 2026
- OmaSp: Säästötalletustiliretrieved 16 October 2026
- OmaSp: OmaSp on osa S-Pankki-konsernia 7.10.2026 alkaenretrieved 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 Oma Säästöpankki pay on a savings account?
In October 2026 Oma Säästöpankki savings accounts and rates: Savings deposit account 0.00%.
What is the fixed-term deposit rate at Oma Säästöpankki?
In October 2026 the fixed-term deposit rate at Oma Säästöpankki has not been published: rate not published.
Is a deposit at Oma Säästöpankki safe?
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank. OmaSp has been part of the S-Bank group since 7 October 2026, but on the Financial Stability Authority's list it is a separate deposit bank in October 2026. If the banks merge, the guarantee limit applies to their combined deposits. The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Oma Säästöpankki?
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.