SME Bank
UAB SME Bank · Lithuania
- Offers
- 7
- Instant access
- —
- highest effective
- Deposit
- 3.39%
- highest effective
- Deposit guarantee
- Until €100,000
- Lithuania scheme
Offers from SME Bank
- Deposit 3 months1.00% · 1.00% effective€502per year, annualised
- Deposit 6 months1.50% · 1.51% effective€753per year, annualised
- Deposit 9 months1.50% · 1.50% effective€751per year, annualised
- Deposit 1 year3.26% · 3.26% effective · since 21 Oct 2026€1,630interest per year
- Deposit 18 months3.40% · 3.37% effective · since 26 Oct 2026€1,686per year, annualised
- Deposit 2 years3.45% · 3.39% effective · since 30 Oct 2026€1,696per year, annualised
- Deposit 3 years2.40% · 2.34% effective€1,172per year, annualised
Saving at SME Bank
SME Bank is a brand of UAB SME Bank, a bank from Lithuania. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at SME Bank in your name.
For €50,000 we list 7 deposits from SME Bank, with terms from 3 months to 3 years. The best-paying deposit runs for 2 years at an effective 3.39% a year.
The lowest minimum deposit is €20,000.
Savings at SME Bank fall under Indėlių ir investicijų draudimas (IID), the statutory deposit guarantee scheme of Lithuania, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Lithuania withholds 15.00% tax on interest; with a certificate of tax residence that becomes 10.00% for a resident of the Netherlands.
- What is the savings rate at SME Bank?
- At SME Bank the highest effective annual rate for €50,000 is currently 3.39% on a 2 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at SME Bank?
- SME Bank (UAB SME Bank) takes part in Indėlių ir investicijų draudimas (IID). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from SME Bank?
- Lithuania withholds 15.00% tax on interest; with a certificate of tax residence that becomes 10.00% for a resident of the Netherlands.
- How do I open an account at SME Bank?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at SME Bank in your name.
Deposit guarantee and licence
- Institution
- UAB SME Bank
- Status
- Verified European deposit guarantee scheme
- Scheme
- Indėlių ir investicijų draudimas (IID)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Viešoji įstaigai „Indėlių ir investicijų draudimas“
Recent changes
Rate historyRSS- 30 Oct 2026, 04:05 · Rate upSME Bank – Termijndeposito (24 mo): 3.40% → 3.45%
- 26 Oct 2026, 01:21 · Rate upSME Bank – Termijndeposito (18 mo): 3.30% → 3.40%
- 26 Oct 2026, 01:21 · Rate upSME Bank – Termijndeposito (24 mo): 3.30% → 3.40%
- 21 Oct 2026, 02:46 · Rate upSME Bank – Termijndeposito (12 mo): 3.20% → 3.26%
- 14 Oct 2026, 02:22 · Rate downSME Bank – Termijndeposito (24 mo): 3.35% → 3.30%
- 14 Oct 2026, 02:22 · Rate downSME Bank – Termijndeposito (12 mo): 3.30% → 3.20%
- 14 Oct 2026, 02:22 · Rate downSME Bank – Termijndeposito (18 mo): 3.35% → 3.30%
- 9 Oct 2026, 02:09 · Rate downSME Bank – Termijndeposito (12 mo): 3.35% → 3.30%
- 5 Oct 2026, 02:33 · Rate upSME Bank – Termijndeposito (12 mo): 3.30% → 3.35%
- 28 Sep 2026, 02:24 · Rate downSME Bank – Termijndeposito (18 mo): 3.40% → 3.35%
- 28 Sep 2026, 02:24 · Rate downSME Bank – Termijndeposito (12 mo): 3.45% → 3.30%
- 28 Sep 2026, 02:24 · Rate upSME Bank – Termijndeposito (24 mo): 3.30% → 3.35%
E-mail me when this changes
As soon as a rate or offer from SME Bank changes, you get one e-mail. Every mail has a one-click unsubscribe link.