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  1. Private customers
  2. Savings account and term deposit

Savings for your future

Are you looking for a safe way to grow your savings?
Choose a term deposit – up to 5% interest rate. It is a simple and transparent solution with conditions known in advance, allowing your savings to grow with confidence.
The offer is valid until 06.05.2026. See more about the offer below.

Special offer!
Apply

Separate savings

Save in an account which is separate from your everyday spending.

Free choice of payments

Set your own minimum amount and how often you pay in.

Let your money work for you

Possibility to earn interest on your deposited funds.

Term Deposit Offer – up to 5% annual interest!

Looking for a safe way to grow your savings and get more value for your everyday finances? Choose a term deposit and earn up to 5% annual interest.

  • The interest rate consists of a fixed 3.5% interest rate and a variable bonus, which is determined at the end of the deposit term.
    • +1% bonus applies if the customer uses any C card and for at least 3 months transfers monthly income of no less than EUR 500 to a Citadele bank account (during the period from the start of the campaign until 31 August 2026).

      • or

    • +1.5% bonus applies if the customer uses any C card, for at least 3 months transfers monthly income of no less than 500 EUR to a Citadele bank account (during the period from the start of the campaign until 31 August 2026), and during the campaign period additionally submits an application for home loan refinancing and signs the agreement by 31 August 2026.
  • The offer is valid until 6 May 2026 for existing and new private banking customers who submit the code TAUPAU.
Apply Offer’s Terms & Conditions

The minimum deposit amount is 2 000 EUR, the maximum is 50 000 EUR.
The annual interest rate applies to 6‑month term deposits in euros. Interest is paid at the end of the term.
The offer applies to new funds transferred from another credit institution.
Deposits of up to 100 000 EUR are insured in accordance with the Law on Deposit Guarantees of the Republic of Latvia.

Term deposit

A term deposit is a method of saving which is as exact as a clock: a set rate, set term, chosen currency, and clarity on how much you will receive at the end of the term. No surprises. Just as it should be.

  • You can open a term deposit account for free and without maintenance fees.
  • You can deposit your funds for between 1 month and 5 years at a fixed interest rate earned at the end of the term or monthly. Minimum deposit amount: 100 EUR or 200 USD.
  • You can choose your deposit currency: EUR or US Dollars.
  • Option to choose automatic deposit extension.
  • The government of the Republic of Latvia guarantees repayment of deposits in banks, up to 100 000 EUR. More information, see the Information for depositors.
Apply Annual Percentage Rate
100 EUR
100 000 EUR
1 months
60 months
  • Your savings:     2 038,08 EUR
  • Deposit interest sum:
    icon
    37,96 EUR
  • Deposit interest rate:
    icon
    1,50 %
    Grand total: 2 038,08 EUR
    64,52 EUR
    Periodic contribution amount
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    Apply
    Currency:
    100 EUR
    500 000 EUR
    1 months
    60 months
    Payment of accrued interest:
    Grand total: 510,00 EUR
    Deposit interest sum: 10,00 EUR
    Deposit interest rate: 2,00 %
    510,00 EUR
    Grand total
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    The minimum deposit amount is 100 EUR or 200 USD.
    The term deposit agreement can be concluded from the age of 18.
    Apply
    Currency:
    100 EUR
    500 000 EUR
    1 months
    60 months
  • Your savings:     2 025,32 EUR
  • Deposit interest sum:
    icon
    25,20 EUR
  • Deposit interest rate:
    icon
    1,00 %
    Grand total: 2 025,32 EUR
    64,52 EUR
    Periodic contribution amount
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    Apply

    Green Savings Account

    How can you save money while also caring for the environment? Our Green Savings Account satisfies both needs: you will increase your savings while simultaneously helping initiatives which allow us to live more sustainably. Every euro you deposit could support sustainable development projects in the future. Make protecting your financial future green!

    • Set up a regular payment to your Green Savings Account and know that we will automatically transfer your money to your savings account every month.
    • To prevent the urge to spontaneously spend the savings in your Green Savings Account, we will transfer them to your current account without a commission fee if you request them 60 days in advance.
    • The maximum amount from which interest is calculated is 100 000 EUR. The minimum amount from which you can start saving is 0 EUR.
    • The government of the Republic of Latvia guarantees repayment of deposits in banks, up to 100 000 EUR. More information, see the Information for depositors.
    Apply Annual Percentage Rate

    Savings Account

    Some people believe that savings accounts are boring. Maybe that's true. But is there any short-term savings method offering a passionately exciting method of saving for the future?

    Apply Annual Percentage Rate

    Need help?

    Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

    You can freely access your savings at any time by transferring them from your Saving Account to your current account without prior notice and without commission, by making a Payment between own accounts or making a New Payment.

    The payment of interest is regulated by the Personal Income Tax Law of the Republic of Lithuania. The amount of interest is not taxable if the amount of interest received during the tax period does not exceed 500 euros. Income tax is calculated from the amount of interest received during the tax period, which exceeds the amount of 500 euros. Among the cases where the income tax is paid for the entire amount of the above-mentioned interest, the State Tax Inspectorate indicates those cases where the interest income was received by those residents whose permanent residence is in the target territory. Taking into account the fact that the payment of interest income is subject to the rules laid down in legal acts, please use the information provided here as an informational notice only. This information cannot be considered as tax advice. In order to assess your tax obligations, you must assess your situation individually, and if necessary, familiarize yourself with the information provided by the State Tax Inspectorate, which can be found at www.vmi.lt. On the above-mentioned website, you can also find contacts with whom you can contact the tax inspectorate for advice on relevant issues.

    With the Green Savings Account, we will support environmentally-friendly initiatives. We will invest your money in sustainable projects, such as energy-efficient real estate projects.

    Energy-efficient real estate:

    • The home has been awarded an A++ energy-efficiency class;
    • The level of primary non-renewable energy used in the building is at least 10% lower than stipulated for the non-renewable energy level of a Nearly Zero Energy Building in accordance with local legislation.

    You need to create a Payment between your own accounts in the Payments section, specifying the payment conditions with the 60-days' notice. The balance in the account to be closed must be 0. 

    If the Green Savings Account interest is credited to the savings account, you will need to write a free-form order in the Online Bank under the Correspondence with the Bank section. Request:  

    • to change the Green Savings Account interest payment account to another your accounts at Citadele Bank, indicating the account number,  
    • to close the Green Savings Account after 60 days.

    What if I need to withdraw from my Green Savings account? If you want to withdraw funds from your Green Savings Account without fees, you must notify the bank within 60 days.

    However, if the funds are needed urgently, the bank deducts a fee, which represents 60 days of accrued interest on the amount withdrawn.

    There is no minimum, you can also deposit small amounts of money in the Savings Account and Green savings accounts. A regular payment may help you with the discipline to deposit larger amounts.

    A savings account is one of the basic types of financial products, which allows you to deposit money and, usually, earn additional amount of interest, while maintaining the ability to withdraw your money within a relatively short amount of time.

    All deposit agreements can be terminated at a bank branch or by submitting a request at „Citadele“ online bank.

    You can freely access your savings at any time by transferring them from your Saving Account to your current account without prior notice and without commission, by making a Payment between own accounts or making a New Payment.

    The payment of interest is regulated by the Personal Income Tax Law of the Republic of Lithuania. The amount of interest is not taxable if the amount of interest received during the tax period does not exceed 500 euros. Income tax is calculated from the amount of interest received during the tax period, which exceeds the amount of 500 euros. Among the cases where the income tax is paid for the entire amount of the above-mentioned interest, the State Tax Inspectorate indicates those cases where the interest income was received by those residents whose permanent residence is in the target territory. Taking into account the fact that the payment of interest income is subject to the rules laid down in legal acts, please use the information provided here as an informational notice only. This information cannot be considered as tax advice. In order to assess your tax obligations, you must assess your situation individually, and if necessary, familiarize yourself with the information provided by the State Tax Inspectorate, which can be found at www.vmi.lt. On the above-mentioned website, you can also find contacts with whom you can contact the tax inspectorate for advice on relevant issues.

    With the Green Savings Account, we will support environmentally-friendly initiatives. We will invest your money in sustainable projects, such as energy-efficient real estate projects.

    Energy-efficient real estate:

    • The home has been awarded an A++ energy-efficiency class;
    • The level of primary non-renewable energy used in the building is at least 10% lower than stipulated for the non-renewable energy level of a Nearly Zero Energy Building in accordance with local legislation.

    You need to create a Payment between your own accounts in the Payments section, specifying the payment conditions with the 60-days' notice. The balance in the account to be closed must be 0. 

    If the Green Savings Account interest is credited to the savings account, you will need to write a free-form order in the Online Bank under the Correspondence with the Bank section. Request:  

    • to change the Green Savings Account interest payment account to another your accounts at Citadele Bank, indicating the account number,  
    • to close the Green Savings Account after 60 days.

    What if I need to withdraw from my Green Savings account? If you want to withdraw funds from your Green Savings Account without fees, you must notify the bank within 60 days.

    However, if the funds are needed urgently, the bank deducts a fee, which represents 60 days of accrued interest on the amount withdrawn.

    There is no minimum, you can also deposit small amounts of money in the Savings Account and Green savings accounts. A regular payment may help you with the discipline to deposit larger amounts.

    A savings account is one of the basic types of financial products, which allows you to deposit money and, usually, earn additional amount of interest, while maintaining the ability to withdraw your money within a relatively short amount of time.

    All deposit agreements can be terminated at a bank branch or by submitting a request at „Citadele“ online bank.

    More opportunities

    Accident insurance

    Choose accident insurance for yourself and your family and avoid sudden expenses after accidental injuries, disability or even death. Service provided by Citadele subsidiary AAS "CBL Life".
    Learn more

    Leasing

    Financing of up to 100% of the vehicle's value. Apply online and receive an answer within 1 business day.
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    Investment funds

    One of the most popular financial instruments, which offers the chance to maintain and even grow the value of your savings. Service provided by Citadele subsidiary CBL Asset Management.
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