Saldo Bank savings rates 2026: savings account and fixed-term deposit
In October 2026, in the example of Saldo Bank's deposit calculator, a 12-month deposit (€10,000) earns 2.6%, but the actual 12-month rate has not been published. The deposit period can be chosen between 1 and 120 months with a rate of at most 2.90%, and the deposits are covered by the Lithuanian deposit guarantee.
Saldo Bank fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 12 months | calculator example only, rate not published | €500 | €100,000 | The deposit cannot be withdrawn during the deposit period (according to the page). |
- 12 months: Calculator example only, not a published rate: the default example of Saldo's deposit calculator (12 months, €10,000, return €260, i.e. 2.6%). Deposit period 1-120 months, rate up to 2.90%; the rates of other deposit periods are not visible without using the calculator. Automatic renewal with a +0.1 percentage point bonus.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Lithuania |
| Opening online as a new customer | Yes |
| Requires a current account or customer relationship | No |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Lithuanian deposit guarantee (Indėlių ir investicijų draudimas), €100,000 per depositor. Saldo Bank UAB 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 Saldo Bank compared with other providers. See all providers in the savings rates comparison.
See also
Similar savings rates
Sources
- Saldo Bank: Määräaikaistalletusretrieved 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
What is the fixed-term deposit rate at Saldo Bank?
In October 2026 the fixed-term deposit rate at Saldo Bank has not been published: calculator example only, rate not published.
Is a deposit at Saldo Bank safe?
Lithuanian deposit guarantee (Indėlių ir investicijų draudimas), €100,000 per depositor. Saldo Bank UAB 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 Saldo Bank?
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.