Become a client

Despite the politicians,
live well!

Save for pension with INDEXO
in low-cost index funds.
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Double your salary
at INDEXO Bank!

Switch your salary to INDEXO Bank account and win a cash prize.
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At INDEXO Bank
every euro earns

Join! All you need is phone and few minutes.
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Best from INDEXO

For purchases
Consumer credit
Card with purchase insurance
For savings
Saving vaults 2.75% per year
Term deposits 3.5 % per year
For pension
2nd pillar pension plans
3rd pillar pension plans
Savings
Term deposit
Consumer loan
Pension

INDEXO savings calculator

Enter the amounts you are considering keeping in INDEXO accounts and find out how much you will receive
1.50 2.75
Primary account
1.50 % a year
EUR Max amount is €100,000
1,98 €/a year
Savings vault
2.75 % a year
EUR Max amount is €100,000
1,98 €/a year
Term deposit
4 % a year
EUR Min deposit amount is €100. Max deposit amount is €1 000 000
1,98 €/a year
69,36 EUR

Profit per year

5,36 EUR a month

This profit fully covers the monthly fee of EUR 2.99 for the Zelts plan throughout the year

Apply

Calculate how much you will get

Allow your money to earn for you - profitable compound interest rate of up to 3.5 % a year
100 1000000
Min deposit amount is 100 € Max deposit amount is €1 000 000
EUR
12 mon 3.503.50%
24 mon 3.003.00%
36 mon 2.852.85%
20 209.92 EUR
Total
Apply

Consumer credit calculator

Find out your available reserves and get a loan in a few minutes
500 20000
EUR Min loan amount is €500. Max loan amount is €20,000.
6 60
months Min loan term is 6 months. Max loan term is 60 months.
Monthly payment 181,84 €
Interest rate From 9 % a year
Issuance commission
50€ 0 €

Free until November 28

2nd pension pillar
3rd pension pillar

18

64

300

6000

Enter a larger value here
EUR

Projected retirement savings

How much deposit is smart?

Different income percentages

background trinagle Suggested
5%

5%

good start

10%

10%

Good pension, good use of tax benefits

20%

20%

Western standard

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Get a 20% tax refund from the state

You can receive a 20% personal income tax refund (IIN) for part of the contributions, which do not exceed 10% of the annual gross salary or no more than EUR 4,000 per year, by submitting an annual income declaration. You will receive a tax refund if you are a VAT payer.

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The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.

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ABOUT YOU

55

75

CONTRIBUTIONS



Shares 50%

Bonds 50%

10

300

Enter a larger value here

0

300

Enter a larger value here

0

300

Enter a larger value here

Calculation assumptions

  • The savings are being accumulated in the pension plans INDEXO Akciju plāns and INDEXO Obligāciju plāns. Annual return scenarios for the INDEXO Akciju plāns: Favorable 0%, Optimistic 0%, Pessimistic 0% . Annual return scenarios for the INDEXO Obligāciju plāns: Optimistic 0%, Favorable 0%, Pessimistic 0% .
  • The projected return is calculated based on the average weighted return of the reference indices for the period from 2013 to 2023, subtracting the management, pension fund, and custodian bank fees. The return does not guarantee equivalent returns in the future. The actual return of the pension plans and the supplementary pension amount may differ from the forecast.
  • The forecasts do not take into account the legal regulations in the area of tax application, which may affect the actual amount of the supplementary pension received.
  • The latest economic and long-term budget projections for Latvia from the European Commission's Ageing Report were used for annual indexation.

Pension projection scenario

Favorable

Pessimistic

Optimistic

AccumulationQuestion?

0 EUR

Amount of pension per month

0 EUR

Recovered PITQuestion?

0 EUR

Detailed calculation

The savings include

Contributions

0 EUR

Private contributions

0 EUR

Employer contributions

0 EUR

Expenses

0 EUR

For the pension fund

0 EUR

For the asset manager

0 EUR

For the custodian bank

0 EUR

INDEXO

Bank redefining the ordinary!

A mobile bank with convenient and secure solutions.
It provides everything you need to effectively manage your money anytime, anywhere.

At INDEXO Bank, every euro you keep in account earns money

  • Checking account, no limit on the money amount – 1.5% per year
  • Savings vaults, with the option to withdraw funds at any time – 2.75% per year
  • Term deposits – up to 3.5% per year

A modern and user-friendly mobile app

Convenient and cost-effective payments to any bank in Latvia and Europe,
a fully mobile bank, including easy tracking of your 3rd pillar pension.

A bank created in Latvia that represents local interests

Thousands of Latvian residents are shareholders of INDEXO. Decisions about the bank’s development and product offerings are made right here in Latvia, taking local interests into account. We are a licensed bank, subject to all EU banking regulations.

Become an INDEXO Bank client

An overview of the
INDEXO Bank mobile app

INDEXO
2nd pension pillar

6 % of your salary is already being saved in the second pillar pension. Learn how to invest it more effectively with INDEXO investment plans.
Learn more

INDEXO
3rd pension pillar

Make regular contributions to the third pillar of your pension and grow your capital with an automated investment system.
Learn more

Sign up for INDEXO
news and be the first
to know

Sign up

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

6% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

Choose the best
plan for your age

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

Submit e-application for selection or change the investment plan of 2nd pension pillar

3

Choose an investment plan best for your age
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Primary account

We pay for every euro you hold in your current account. In addition, no amount limit. Interest is calculated from the current account balance and paid out once a month.

The interest amount is calculated before withholding personal income tax.

Savings vault

You can deposit and withdraw as much as you want and whenever you want - you don't have to apply for anything, you don't have to pay anything. Your money in the savings bank not only accumulates, but also earns. The interest earned is added to the savings and reinvested for you at the beginning of the next month.

You can also turn on the round up function and save whenever you pay by card. If you want, set the second, third or even fifth speed!

The interest amount is calculated before withholding personal income tax.

Term deposit

Deposit free funds and receive up to 3.5 % per year. Choose the amount, the period of 12, 24 or 36 months and confirm with the PIN code of the INDEXO Bank app. That's all!

Plus, with INDEXO's compound interest approach, your monthly earned interest is added to the principal amount and reinvested. This way, your money grows faster.

The interest amount is calculated before withholding personal income tax.

Term deposit interest rates

For 12 months
Annual % rates
Base rate:
3.39770%
Rate with compound interest:
3.50%
For 24 months
Annual % rates
Base rate:
2.87695%
Rate with compound interest:
3.00%
For 36 months
Annual % rates
Base rate:
2.70027%
Rate with compound interest:
2.85%

To use INDEXO Bank, download the app.

1
Download
the app
2
Register
3
Use
INDEXO Bank