SME Bank (via Raisin): 3.35% TAE for 12 months at SME Bank (Lithuania), opened through Raisin
SME Bank 12-month deposit via Raisin
Net value, first year
€271.35
#3 of 15 in this goal
Value per month of commitment
€22.61
Commitment: 12 months
Reward
Rate3.35% TAE
12 mo · first €100,000
Terms
- Reward
- Fixed 3.35% TAE for a 12-month deposit at SME Bank (Lithuania, rated A), contracted through the Raisin platform with no fee for the saver. Capital and interest are paid at maturity. Paid: At maturity (12 months).
- Rate
- 3.35% TAE for 12 months, on the first €100,000
- Requirements
- Open a free Cuenta Raisin (Raisin Bank AG) and transfer the funds
- Minimum EUR 20,000, maximum EUR 100,000 per the Raisin bank page
- Fees
- €0/month. No fees for the saver; Raisin is paid a commission by the partner banks
- Penalty
- The Raisin page says early withdrawal is not possible in a 12-month deposit and the bank may apply a penalty, normally losing the interest earned
- Eligibility
- Residents only: Unknown
- NIE or TIE accepted: Unknown
- Open to non-residents: Unknown
- Raisin pages fetched do not state residency or NIE/TIE rules for opening a Cuenta Raisin.
- Valid until
- No end date stated
- Checked
- (today, confirmed by the bank)
- Notes
- Rate from the Raisin 12-month page updated 2 Oct 2026. The Raisin bank page for SME Bank shows 3.31% for 1 year with data dated 09/06/2026, so the rate moves; confirm in the Raisin app. Raisin describes SME Bank as a digital bank oriented to businesses; the Raisin 12-month page lists its deposit for savers. Guarantee is the Lithuanian scheme, EUR 100,000 per depositor and bank.
How the value is built
| Line | EUR |
|---|---|
| Interest 3.35% TAE on EUR 10000 for 12 months | €335.00 |
| Withholding 19% on interest | -€63.65 |
| Net value, first year | €271.35 |
Default profile: gifts at 80% of retail, a balance of €10,000. Change them in the search filters. Methodology
Catches
- penalty: The Raisin page says early withdrawal is not possible in a 12-month deposit and the bank may apply a penalty, normally losing the interest earned
Compare with
- Mano Bank (via Raisin)3.38% TAE for 12 months at Mano Bank (Lithuania), opened through Raisin€273.78 net in the first year
- BluOr Bank (via Raisin)3.45% TAE for 12 months at BluOr Bank (Latvia), opened through Raisin€279.45 net in the first year
- Fjord Bank (via Raisin)3.25% TAE for 12 months at Fjord Bank (Lithuania), opened through Raisin€263.25 net in the first year
Not financial advice. Terms change: read the bank's page before you sign.