Can I receive the interest earned on my term deposit prior to the end of the validity of the contract?

If you use account numbers starting with LTXX40100:
Yes, interest can be paid to you on a monthly basis.Yes, interest can be paid to you on a monthly basis.
If you use account numbers starting with LTXX21400:
With term deposit, Interest is paid on the last day of the chosen term.
Deposit with periodic interest payment, interest can be paid monthly, quarterly, or half-yearly without waiting for maturity of the deposit

How can I terminate deposits?

All deposits can be terminated in the internet bank.
If you use account numbers starting with LTXX40100: 
Savings and investments -> My deposits, mark the contract you wish to terminate, and click on Terminate. More information can be found here.  
If you use account numbers starting with LTXX21400: 
Savings and investments -> My deposits, mark the contract you wish to terminate, and click on Terminate. More information can be found here.

How can I cancel the automatic extension of a deposit?

If you prefer not to automatically extend the validity of a deposit upon the end of its term:
If you use account numbers starting with LTXX40100:
Access internet bank and choose: New letter -> Free form application. In this letter you should indicate the transaction number and request a change of automatic extension status. Confirm the letter with a generator code and a mobile signature, and send it.
If you use account numbers starting with LTXX21400: 
In the internet bank you should choose: Savings and investments -> Deposits ->Change. 

What interest is applied to automatically extended deposits?

Automatically extended deposits bear the interest rate valid on the date of the extension of the deposit.

When can I conclude a deposit contract via internet bank (during which hours)?

You may conclude or supplement a deposit contract via internet bank every day from 00:01 a.m. to 10:00 p.m.

To whom should I apply if I have transferred a large deposit amount and wish to earn higher interest?

If investment sum is bigger than 100,000 EUR or the equivalent to this amount in another currency, interest rates are not valid and should be agreed separately. You can contact us by calling 1608. Your call will be transferred to responsible consultant or relationship manager.

Are deposits with in the bank insured?

Yes, deposits up to the value of 100,000 EUR are secured by the Estonian Guarantee Fund company “Tagatisfond” in accordance with the terms and conditions of the Republic of Estonia’s law on deposit insurance and insurance of liabilities to investors.

Terms and conditions of insurance

If I terminate a term deposit, will the interest be paid?

If you  decide to terminate a term deposit before maturity, the whole deposit amount will be returned to the current account, however, the interest will not be paid. 
If during the deposit term you have been paid the interest on the term deposit, the returned amount will be reduced by the amount of the interest paid. 


 

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