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Foreign currency savings

Take the right opportunity to term foreign currency savings under favorable conditions
Favourable interest rates
for term deposits
Different term periods
1, 3, 6, 9, 12, 25 and 36 months
Free account opening and maintenance
No additional indexing
Choose the NLB savings account:
Special offer for all term amounts (there is no minimum deposit amount)
Automatic transfer and liquidation of term savings to a foreign currency account at the end of the term
Even more favorable terms for amounts over 50,000 EUR/USD
Retail deposits in the deposited currency, no additional indexation

Term foreign currency and get special benefits

Open a savings account free of charge
Quickly and easily at the nearest branch
Increase your savings deposit on favorable terms

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Representative examples
Take a look at the representative example of the savings model of your interest
FX deposit with the calculation and accrual of interest upon maturity of deposit
Amount of deposit10,000.00
Period to which the Bank accepts the deposit6 months9 months12 months
Currency of placed depositEUR / USD
Indexing criteriaNo indexing criteria
Nominal interest rate (per annum, fixed)3.50%3.50%3.50%
Effective interest rate (per annum)2.98%2.99%2.98%
Total amount the user will receive after the locked period10.147,8710.223,1910.297,50
Expenses borne by the user that are factored into the calculation of the effective interest rate-
Tax liability - 15%26,1039,3952,50
FX deposit with the calculation and accrual of interest upon maturity of deposit
Amount of deposit100,000.00
Period to which the Bank accepts the deposit6 months9 months12 months
Currency of placed depositEUR / USD
Indexing criteriaNo indexing criteria
Nominal interest rate (per annum, fixed)3,50%3,50%3,50%
Effective interest rate (per annum)2,98%2,99%2,98%
Total amount the user will receive after the locked period101.478,78102.231,90102.975,00
Expenses borne by the user that are factored into the calculation of the effective interest rate-
Tax liability - 15%260,96393,87525,00

Representative example as of 01.04.2026.

FX deposit with the calculation and accrual of interest upon maturity of deposit
Amount of deposit10,000.00
Period to which the Bank accepts the deposit1 month3 months6 months9 months12 months25 months36 months
Currency of placed depositEUR / USD
Indexing criteriaNo indexing criteria
Nominal interest rate (per annum, fixed)0,30%0,50%2,80%2,80%2,80%2,10%2,10%
Effective interest rate (per annum)0,25%0,42%2,38%2,39%2,38%1,79%1,79%
Total amount the user will receive after the locked period10.002,0910.010,5710.118,5110.178,7010.238,0010.376,2410.546,82
Expenses borne by the user that are factored into the calculation of the effective interest rate-
Tax liability – 15%0,371,8720,9131,5442,0066,3996,50
FX deposit with the calculation and accrual of interest upon maturity of the deposit
Amount of deposit100,000.00
Period to which the Bank accepts the deposit1 month3 months6 months9 months12 months25 months36 months
Currency of placed depositEUR / USD
Indexing criteriaNo indexing criteria
Nominal interest rate (per annum, fixed)0,30%0,50%2,80%2,80%2,80%2,20%2,20%
Effective interest rate (per annum)0,25%0,42%2,38%2,39%2,38%1,87%1,88%
Total amount the user will receive after the locked period100.020,93100.105,76101.185,04101.787,03102.380,00103.943,63105.734,32
Expenses borne by the user that are factored into the calculation of the effective interest rate-
Tax liability – 15%3,6918,66209,13315,36420,00695,931.011,94

Representative example as of 01.04.2026.

Documents

 

Overview of interest rates for fixed-term deposits on special terms for the currencies EUR and USD
Locked periodLocked amount EUR/USDInterest rate for the currency EURInterest rate for the currency USD
1
month		for all amountsNominal interest rate 0.30%
Effective interest rate 0.25%		Nominal interest rate 0.30%
Effective interest rate 0.25%
3
months		for all amountsNominal interest rate 0.50%
Effective interest rate 0.42%		Nominal interest rate 0.50%
Effective interest rate 0.42%
6
months		for all amountsNominal interest rate 2.80%
Effective interest rate 2.38%		Nominal interest rate 2.80%
Effective interest rate 2.38%
for new funds*Nominal interest rate 3.50%
Effective interest rate 2.98%		Nominal interest rate 3.50%
Effective interest rate 2.98%
9
months		for all amountsNominal interest rate 2.80%
Effective interest rate 2.39%		Nominal interest rate 2.80%
Effective interest rate 2.39%
for new funds*Nominal interest rate 3.50%
Effective interest rate 2.99%		Nominal interest rate 3.50%
Effective interest rate 2.99%
12
months		for all amountsNominal interest rate 2.80%
Effective interest rate 2.38%		Nominal interest rate 2.80%
Effective interest rate 2.38%
for new funds*Nominal interest rate 3.50%
Effective interest rate 2.98%		Nominal interest rate 3.50%
Effective interest rate 2.98%
25
months		up to 50,000
EUR/USD		Nominal interest rate 2.10%
Effective interest rate 1.79%		Nominal interest rate 2.10%
Effective interest rate 1.79%
from 50,001
EUR/USD		Nominal interest rate 2.20%
Effective interest rate 1.87%		Nominal interest rate 2.20%
Effective interest rate 1.87%
36
months		up to 50,000
EUR/USD		Nominal interest rate 2.10%
Effective interest rate 1.79%		Nominal interest rate 2.10%
Effective interest rate 1.79%
from 50,001
EUR/USD		Nominal interest rate 2.20%
Effective interest rate 1.88%		Nominal interest rate 2.20%
Effective interest rate 1.88%

*Applies to new deposits without limit, or to increases of existing deposits by at least EUR 5,000 in new funds (or the equivalent amount in USD).

If you are our depositor with an automatically renewed term savings model, the automatic extension of the term savings is carried out under regular conditions. For more detailed information, click here.