AS "SMP Bank" - General / Services for Private customers / Tools / Price-list / Deposits

Deposits

1.1. The ordinary deposit - the deposit on the certain term for individuals and legal entities for placing their free money resources in Lats (LVL), US dollars (USD) an Euro (EUR) on the certain term (1 month, 3,6 months, 1 year, 2 years).
Minimal deposit amount for receiving interest percent:
individuals	LVL 100,- or USD 100,- or EUR 100,-
legal entities	LVL 1 000,- or USD 1 000,- or EUR 1 000,-
	1 month	3 months	6 months	1 year	2 years
LVL	0.5 %¹	2.3 %¹	3.3 %¹	5.1 %¹	5.3 %¹
USD	0.3 %¹	2.1 %¹	2.9 %	3.6 %	4.0 %
EUR	0.6 %¹	2.5 %¹	3.1 %	4.3 %	4.5 %
¹ up to 100000 LVL, 100000 USD, 100000 EUR, above - by agreement.
* The calculated interest is paid at the end of term.
1.2. Ordinary deposit with payment of interest monthly.
Minimal deposit amount for receiving interest percent:
individuals	LVL 100,- or USD 100,- or EUR 100,-
legal entities	LVL 1 000,- or USD 1 000,- or EUR 1 000,-
	3 months	6 months	1 year	2 years
LVL	2.0 %¹	3.0 %¹	4.8 %¹	5.0 %¹
USD	1.8 %¹	2.6 %	3.3 %	3.7 %
EUR	2.2 %¹	2.8 %	4.0 %	4.2 %
¹ up to 100000 LVL, 100000 USD, 100000 EUR, above - by agreement.
* The calculated interest is paid at the end of term.
2. The Target deposit - special deposit on certain period for individuals. This deposit is meant for the particular target - education, traveling, planned big purchases, if the Client does not wish to have credit or leasing, as well as for other purpose.
Minimal deposit amount for receiving interest percent is LVL/EUR 25,-
	6 months	1 year	2 years	3 years	5 years
LVL	1.5 %	3.0 %	3.5 %	4.0 %	4.5 %
EUR	1.5 %	2.3 %	2.7 %	3.0 %	3.2 %
* In order to use effectively the advantages of such deposit and accumulate money resources, this deposit may be increased by the amount that is not less than 10, - LVL.
* Calculated interest and capital amount of the deposit will be paid for the Client at the end of period.

3. The Permanent deposit - the deposit for both legal entities and individuals, who want to place their free money resources to deposit and receive interest rate but do not know how soon it will be necessary for them again.
Minimal deposit amount for receiving interest %:
individuals - LVL 5 000,- or USD 10 000,- or EUR 10 000,-
legal entities - LVL 10 000,- or USD 10 000,- or EUR 10 000,-
*LVL - 0.5 % per year, USD - 0.3 % per year, EUR - 0.6 % per year*
4. Deposit with possibility to convert into different currency
Minimal deposit amount for receiving interest percent:
individuals	LVL 500,- or USD 500,- or EUR 500,-
legal entities	LVL 2 000,- or USD 2 000,- or EUR 2 000,-
	3 months	6 months	1 year
LVL	1.9 %¹	2.8 %¹	4.7 %¹
USD	1.5 %¹	2.4 %	3.2 %
EUR	2.0 %¹	2.6 %	3.5 %

¹ up to 100000 LVL, 100000 USD, 100000 EUR, above - by agreement.
* If the Client wants, he can increase this deposit in unlimited amounts.
* The Interest percent will be paid for permanent deposit only for the time that money resources actually were on the deposit.
* The interest is transferred to the Client's account once a month in the first working day.
* If the amount of money on the deposit account is less than minimal required amount for interest calculation, then the interest payment for this period is not calculated.
* It is necessary for the Client to warn Bank in written form 30 days before the removal of money resources from the account.
* For removal of money without advance the Bank retains 0,25% from the paid sum.


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