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Earn up to 4.5% per year with a local bank

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Deposit amount

100 100000

Min deposit amount is 100 € Enter a larger value here

EUR

Deposit term and interest rate

3 mon. 3.303.30%

6 mon. 3.503.50%

1 year 3.703.70%

2 years 3.903.90%

3 years 4.204.20%

5 years 4.504.50%

20 209.92 EUR

Total

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The calculation is for informational purposes only. The interest amount is calculated before personal income tax (PIT).

Deposit terms are available in INDEXO General Terms and Conditions.

Best rates in Latvia – INDEXO

Term deposits from 3 months to 5 years. Even better than savings bonds.

3 months

For short-term plans 3,30% per year

For a summer trip, emergency fund, or a larger purchase.

Annual interest rates for 3-month term deposits

6–12 months

The golden middle up to 3,70% per year

Your money earns while remaining accessible after a relatively short term.

Annual interest rates for 12-month term deposits

2–5 years

For long-term plans up to 4,50% per year

Fixed return over a longer period.

Annual interest rates for 5-year term deposits

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Annual interest rates for term deposits are shown before PIT, valid as of 25.05.2026 according to the Bank of Latvia data.

Highest security standards

Licensed credit institution

INDEXO Bank is licensed by the European Central Bank and operates in accordance with the highest financial industry security standards

Funds protected up to €100,000

In accordance with the Latvian Deposit Guarantee Law and the highest financial industry security standards

Join 60,000+ INDEXO Bank clients

Want a consultation?

Write, call or visit us

INDEXO Bank app chat

[email protected]

20 006 088

Working hours: Mon–Fri 8:00–19:00

Roberta Hirša Street 1, Riga, LV-1045

Working hours: Mon–Fri 9:00–17:00

Questions?

How to become an INDEXO Bank client?

Download the INDEXO Bank app from the Google Play Store or Apple App Store and register in 5 minutes. Done!

Please note that to become an INDEXO Bank client you must:

Be a citizen / non-citizen of the Republic of Latvia or a citizen of the EU / EEA / Switzerland with a residence permit in Latvia
Be at least 18 years old

Why choose INDEXO Bank?

INDEXO is a local bank created to improve the financial environment in Latvia. We offer some of the highest deposit rates in Latvia, so you can earn more than with other banks. And everything is simple – download, register and start earning.

What is the minimum term deposit amount?

The minimum amount you can deposit with INDEXO is €100, while the maximum is €1,000,000.

What terms are available for term deposits?

We offer term deposits from 3 months to 5 years. Choose what suits your goals best – the longer the term, the higher the return.

How to receive daily banking services for free?

Bank with INDEXO without a monthly fee if:

You are a young person up to 31 years old – activate the “Zelts” plan and write “ZELTS30” in the app chat.
You receive your income in INDEXO Bank – transfer your salary or other regular income to INDEXO Bank, activate the “Zelts” plan and write “Income to INDEXO Bank” in the app chat. View the offer terms.

All questions

Don’t fear more money

Calculate how much you will earn