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The per annum (p.a.) interest rate on your Instant Access Savings will depend on your plan. It refers to the interest rate applied on daily balance with interest compounded daily. The interest rate is net of Lithuanian non-resident tax. You may also be required to pay taxes in Slovakia.

The interest credited to your savings is net of Lithuanian tax withholding at source.

Interest is compounded and paid daily. This means you earn 1/365th (or 1/366th in leap years) of the gross annual interest rate on your closing balance every day. Any required tax on the accrued interest will be deducted before the interest is paid to you.

The minimum threshold for interest payable is 0.01 in the corresponding savings currency. If net interest after taxes is below 0.01, it accrues until it reaches 0.01, then is paid.

We can adjust the interest rates on your Instant Access Savings. For a decrease, you'll be notified at least two months in advance (unless in case of a change in central bank rates for which is 1 month in advance), and you can choose to terminate your Savings account before the change happens.

For information on notice periods, read our Instant Access Savings Terms.

If you change your plan, your interest rate may change accordingly when the plan change comes into effect.