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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at SME Bank
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SME BankTermijndeposito

Deposit · 9 months · UAB SME Bank · Lithuania · via Raisin
Open an account at SME Bank
Rate
1.50%
9 months fixed
Your return on €25,000
€376
per year, annualised · €281 total over 9 months
Deposit guarantee
€25,000 fully protected
Lithuanian scheme

UAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 9 months: €281.
Interest built up over 9 months
€ 0€ 100€ 200start6 mo€281After 1 month: €31.25 rate · balance €25,031.25After 2 months: €62.50 rate · balance €25,062.50After 3 months: €93.75 rate · balance €25,093.75After 4 months: €125 rate · balance €25,125After 5 months: €156.25 rate · balance €25,156.25After 6 months: €187.50 rate · balance €25,187.50After 7 months: €218.75 rate · balance €25,218.75After 8 months: €250 rate · balance €25,250After 9 months: €281.25 rate · balance €25,281.25
€ 0

Rate and conditions

BalanceRate
€0 – and up1.50%
Interest payout
end of term, paid out
Fees
none
Rate valid since
3 Feb 2026
Access
9 months fixed · no early withdrawal
Term
9 months
Minimum deposit
€20,000
Maximum deposit
€100,000
Current account required
no
For whom
new and existing customers
Open via
Raisin (Raisin) · for residents of the Netherlands via Raisin
  • Einde looptijd

Deposit guarantee

€25,000 fully protected
Lithuanian scheme

UAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank

Licence and verification
Institution
UAB SME Bank
Status
Verified European deposit guarantee scheme
Scheme
Indėlių ir investicijų draudimas (IID) (Lithuania)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsViešoji įstaigai „Indėlių ir investicijų draudimas“
source ↗ · 18 Sep 2026
Taxes
Country
Lithuania
Withholding tax
Withholding tax applies
Standard rate
15.00%
For a Dutch saver
10.00% (after paperwork)
Notes
Litouwen heft 15%; met een Litouwse woonplaatsverklaring (uiterlijk 4 weken voor de vervaldatum) verlaagd naar 10%.

Rate history

1.50% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of SME Bank →All savings products of SME Bank →

  • 2 Sep 2026New: SME Bank – Termijndeposito (9 mo) 1.50%

Rate checked on 18 Sep 2026.

Other offers from SME Bank

3 months · 1.00% · Raisin6 months · 1.50% · Raisin1 year · 3.45% · Raisin18 months · 3.40% · Raisin2 years · 3.30% · Raisin3 years · 2.40% · Raisin
€ 100€ 200start3 mo6 mo9 mo€281After 1 month: €31.25 rate · balance €25,031.25After 2 months: €62.50 rate · balance €25,062.50After 3 months: €93.75 rate · balance €25,093.75After 4 months: €125 rate · balance €25,125After 5 months: €156.25 rate · balance €25,156.25After 6 months: €187.50 rate · balance €25,187.50After 7 months: €218.75 rate · balance €25,218.75After 8 months: €250 rate · balance €25,250After 9 months: €281.25 rate · balance €25,281.25

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on: Withholding tax on foreign savings interest: what do you really keep?

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe