Savings Account

Save the easy way – open a savings account

Transfer your savings remotely to Luminor and start earning in your savings account
Receive an annual rate of 2.5%*

Become our customer

Get started easily
Whether you’re saving money for your future or for a special purchase, a savings account allows you to build your savings by making small regular deposits. Start earning interest from as little as EUR 10.

Set flexible goals
The savings account has no term – save as long as needed to reach your goal.

Avoid impulsive purchases
Funds accumulated in the savings account are available at any time most convenient for you. Apply for payout at least 7 days in advance and receive your savings without a fee.**

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Recommended

Savings account

A secure and easy way to store and withdraw money while earning interest on the balance

Recommended

Term deposit

A reliable option to deposit a sum of money for a specific period, earning a fixed interest rate

Minimum amount to start with

Minimum amount to start withEUR 10

Minimum amount to start withEUR 100

Interest rate

Interest rateFixed*

Interest rateFixed, depends on the term

Payment

PaymentAny amount any time

PaymentOnce at the start***

Term

TermUnlimited

TermFrom 3 months to 5 years

Funds available

Funds availableAfter 7 calendar days**

Funds availableInterest accrued is paid each month or at the end of maturity together with principal amount

Become a customer Open in internet bank

Learn more

* The annual interest rate is calculated according to the amount in the account each day; accrued interest is paid out monthly.
** To access funds sooner than 7 calendar days after making the request, a fee is charged according to the pricelist: 0.5% of the amount, min. EUR 5.
*** You can have multiple term deposits with different terms and rates.
Important! In the case of unavailability of deposits, the Guarantee Fund of the Republic of Estonia provides guaranteed compensation in the amount of the deposit, but not more than EUR 100 000 per depositor. More information is available here.

How to open a savings account

Log into your internet bank

Submit your application – go to Deposits and investments / Deposits / Open new savings

Make a payment to your new savings account or set up regular payments

Open in internet bank

Open your savings account in person

Please call +371 67 17 1880 to book an appointment at one of our Customer Service Centres. Have your passport or ID card with you!

Become a customer

New to Luminor? Welcome! Join Luminor remotely or call +371 67 17 1880 to book an appointment.

Compare the ways to save and grow your wealth

Additional information about savings account