Saving
If you care about your welfare and safety of your money and if free funds are available – use the opportunity to earn more!
- Time deposit
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Time deposit is a simple and safe way to save.
Upon maturity of your deposit you will collect accrued interest specified in your deposit agreement.
Terms and conditions
- You may deposit money in LTL, EUR, USD or GBP.
- Money can be paid to a deposit account in cash or transferred from other bank accounts.
- The minimum deposit amount is LTL 200, EUR 150, USD 150, GBP 150.
- The minimum deposit term is 1 month, the maximum 60 months.
- Interest rate depends on the deposit term – the longer the term the higher the interest.
- 0.1 per cent higher interest is applied for deposits placed online via Eta bankas system for a term from 12 months (365 days) and longer.
- 0.1 per cent higher interest is applied to the participants of the Seniors Program.
- 0.1 per cent higher interest is applied for the new transactions that are concluded for 6 months (183 days) or longer term and are automatically extended.
- You may choose the interest payment schedule: monthly or upon maturity.
- Interest can be paid to the bank account or debit payment card account.
- The deposit held in litas may be converted into euros for the established fee.
- Deposits kept with Ūkio bankas are insured by VĮ Indėlių ir investicijų draudimas in accordance with the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.
Concluding the agreement
Via Eta bankas:
- Log in Eta bankas and select Agreements → Deposits on the main menu.
- Click on the button New.
- Select the appropriate type of the deposit.
- Fill in and sign the electronic form of the Agreement.
Upon coming to the nearest Ūkio bankas Branch or Client Service Unit:
- Bring along your identity document.
- Address a client service bank officer who will conclude a time deposit agreement with you.
Upon expiration of the Agreement
- If your time deposit agreement does not provide for automatic extension of the agreement, the deposited amount and accrued interest will be transferred to your bank account.
- If you choose automatic extension of the deposit agreement, the deposit will be extended in the amount and for the term specified in the agreement at the interest rate valid on agreement extension day.
In Ūkio bankas you may open a time deposit account in the name of another person or your underage child. At your request you may also manage your time deposit account jointly with another person. For more information, please contact your nearest Ūkio Bankas Branch or Client Service Unit or send an inquiry via the Internet.
- Long-term time deposit
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Long-term time deposit is a simple and safe way of save.
Upon maturity of your deposit you will collect accrued interest specified in your deposit agreement and in case of necessity – you will be able to withdraw the funds prior to the deposit maturity, collect accrued interest for the actual term of your deposit if it not shorter than 3 months.
Terms and conditions
- Deposits are accepted in LTL, EUR, USD and GBP.
- Money can be paid to a deposit account in cash or transferred from other bank accounts.
- The minimum deposit amount is LTL 200, EUR 150, USD 150, GBP 150.
- The minimum deposit term is 720 days, the maximum – 1829 days.
- Interest is paid upon maturity to the bank account.
- In case of termination of the long-term time deposit prior to maturity, the interest is paid for the actual term of the deposit if it is not shorter than 3 months. The paid out interest is determined according to official annual interest rate applied for 720-days deposit valid at Ūkio bankas at the moment of agreement termination.
- Deposits kept with Ūkio bankas are insured by VĮ Indėlių ir investicijų draudimas in accordance with the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.
Concluding the Agreement
Via Eta bankas:
- Log in Eta bankas and select: Agreements → Deposits on the main menu.
- Click on the button New.
- Select the appropriate type of the deposit.
- Fill in and sign the e-Agreement form.
Upon coming to the nearest Ūkio bankas Branch or Client Service Unit:
- Bring along your ID document;
- Address a client service bank officer who will conclude a time deposit agreement for you.
Upon expiration of the Agreement
- If your time deposit agreement does not provide for automatic extension of the agreement, the deposited amount and accrued interest will be transferred to your bank account.
- If you choose automatic extension of the deposit agreement, the deposit will be extended in the amount and for the term specified in the agreement at the interest rate valid on agreement extension day.
You may open a long term time deposit in the name of another person or your underage child. At Your request you may also manage your long term time deposit account jointly with another person. For more information, please contact your nearest Ūkio Bankas Branch or Client Service Unit or send an inquiry via the Internet.
- Savings deposit
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Savings deposit is a safe way of investing and accumulating a required amount over the selected period of time. A savings deposit account may be replenished at any time.
You will collect the accrued interest specified in your deposit agreement upon maturity. Compound interest is calculated on the varying amount of your deposit and transferred to the savings deposit account at the end of each month.
Terms and conditions
- You may deposit money in LTL, EUR, USD or GBP;
- The minimum deposit amount is LTL 200, EUR 150, USD 150, GBP 150;
- Money to the deposit account may be paid in cash or transferred from other bank accounts;
- Minimal replenishment amount is unlimited;
- The minimum deposit term is 3 months, the maximum – 60 months;
- Accrued interest is paid upon maturity;
- Deposits kept with Ūkio bankas are insured by VĮ Indėlių ir investicijų draudimas in accordance with the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.
Concluding the Agreement
Via Eta bankas:
- Log in Eta bankas and select: Agreements → Deposits on the main menu.
- Click on the button New.
- Select the appropriate type of the deposit.
- Fill in and sign the e-Agreement form.
Upon coming to the nearest Ūkio bankas Branch or Client Service Unit:
- Bring along your ID document;
- Address a client service bank officer who will conclude a time deposit agreement for you.
Account replenishment
Via Eta bankas:
- Select Agreements on the main menu.
- By the deposit type Savings deposit select the action Replenish.
- In the Deposit replenishment window specify the desired amount of replenishment and confirm it.
Upon arrival at the nearest Ūkio bankas Branch or Client Service Unit
- Deposit cash.
- Instruct an officer of Ūkio bankas to transfer funds from your account with Ūkio bankas to the savings deposit account.
Upon expiration of the Agreement
- If your time deposit agreement does not provide for automatic extension of the agreement, the deposited amount and accrued interest will be transferred to your bank account.
- If you choose automatic extension of the deposit agreement, the deposit will be extended in the amount and for the term specified in the agreement at the interest rate valid on agreement extension day.
In Ūkio bankas you may open a savings deposit account in the name of another person or your underage child. At your request you may also manage your savings deposit account jointly with another person. For more information, please contact your nearestŪkio Bankas Branch or Client Service Unit or send an inquiry via the Internet.
- Universal deposit
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A universal deposit is a way of saving when you can replenish the initial deposit amount with additional contributions and, when necessary, withdraw part of deposit funds before the expiration of your Agreement and retain the interest.
Terms and conditions
- You may deposit money in LTL, EUR, USD or GBP;
- The minimum deposit amount is LTL 200, EUR 150, USD 150, GBP 150;
- The minimum deposit replenishment amount is unlimited;
- The minimum deposit term is 4 months, the maximum – 24 months (731 days);
- You may replenish your universal deposit account at any time in cash or by bank transfer.
- The accrued interest is paid upon maturity;
- Deposits kept with Ūkio bankas are insured by VĮ Indėlių ir investicijų draudimas according to the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.
Concluding the Agreement
Via Eta bankas:
- Log in Eta bankas and on the main menu select: Agreements → Deposits.
- Click on the bottom New.
- Select the appropriate type of the deposit.
- Fill in and sign the e-Agreement form.
Upon arriving at the nearest Ūkio bankas Branch or Client Service Unit:
- Bring along your ID document;
- Address a client service bank officer who will draw a universal deposit agreement for you.
Account replenishment
Via Eta bankas:
- On the main menu select Agreements.
- By the deposit type Universal deposit select the action Replenish;
- In the Deposit replenishment window specify the desired amount of replenishment and confirm it.
Upon arriving at the nearest Ūkio bankas Branch or Client Service Unit:
- Deposit cash.
- Instruct an officer of Ūkio bankas to transfer funds from your account with Ūkio bankas to the universal deposit account.
Withdrawal part of the deposit before Agreement expiration
- 90 days after the agreement date or the beginning of deposit extension;
- Once a 90-day period by retaining the account balance not smaller than the minimum deposit amount;
- The minimum amount of deposit withdrawal is LTL 100, EUR 25, USD 25, GBP 25;
- Up to 30 percent of the deposit amount along with accrued interest is subject to withdrawal.
In Ūkio bankas you may open a universal deposit account in the name of another person or your underage child. At your request you may also manage your universal deposit account jointly with another person. For more information, please contact your nearest Ūkio Bankas Branch or Client Service Unit or send an inquiry via the Internet.
- Saving in your bank account
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Really perfect conditions have been created for your funds on a bank account to grow!
The program Profitable Interest is intended for private clients holding bank accounts in the litas with Ūkio bankas.
The program Profitable Interest is intended for private clients holding bank accounts in the litas with Ūkio bankas.
Benefit of the Programme
- interest, reaching 3.2 percent, is calculated on the funds on the bank account;
- the size of interest depends on the average balance of funds on the bank account (the bigger the balance – the higher the interest rate);
- the interest is calculated and paid on the last banking day of a month;
- you will be able to replenish your account or use funds on your account without any limitations.
Relevant information about deposit insurance.
