Overnight deposit
No need for a fixed term deposit - earn 1 % p.a. on your SME Bank balance
Overnight deposit
No need for a fixed term deposit - earn 1 % p.a. on your SME Bank balance
Valid until: 31 December 2026
Overnight Calculator
If, during the offer period, the European Central Bank’s (ECB) annual interest rate on the deposit facility (%) (ECB deposit facility rate) is reduced, the Bank will accordingly review the applicable interest rate, and it may decrease. More detailed information about Deposit facility rate.
*Individual offers apply to financial institutions.
Initial deposit
Term (days)
You will earn
75.00 EUR
An interest rate of 1% will be applied at the time of contract execution. This offer is valid until December 31, 2026, with a minimum term of 1 day and a minimum deposit of €10,000.
Overnight Comparison with other products
| Feature | Overnight | Term deposit | Non-Term / Current account |
|---|---|---|---|
| Return & rate | |||
| Annual interest rate | 1% p.a. | Up to 2.7% p.a. | 0%-0.25% p.a. |
| Interest calculation | Daily | At maturity | None or very rare |
| Interest applied | Automatically | At end of fixed term only | Rarely or never |
| Rate certainty | Variable - ECB-linked | Fixed for agreed term | Variable / discretionary |
| Liquidity & access | |||
| Minimum term | 1 day | 1-12months | - |
| Early withdrawal | Funds available anytime | Early exit = penalty | Available anytime |
| Capital frozen? | No | Yes | No lock-in |
| Operational ease | |||
| Setup complexity | |||
| Capital frozen? | No | Yes | No lock-in |
| Minimum deposit | €10000 | €10000+ | - |
| Suitable for operating funds? | Yes | No | Partly |
| Protection & trust | |||
| Deposit insurance | Yes | Yes | Yes |
| Regulated institution | ECB-licensed SME bank, UAB | Standard bank product | Standard bank product |
Overnight Key benefits
No frozen capital
Keep your company's liquidity fully accessible at all times, without locking fund away
Total flexibility
Access your funds whenever needed, with no requirement to terminate agreements
Daily returns
Earn interested calculated daily on current account balances exceeding €10000
Protected
Client accounts are insured by SE "Deposit and Investment Insurance" for added security.
How start using Overnight+ product?
Become an SME bank client, deposit at least €10000, sign the agreement. Then your company's money will start working for you.
Trusted by leading businesses
Just as every athlete needs support at the starting line, this partnership empowers us to achieve our boldest projects. Having partners who understand the pace of business and our growth ambitions is key. We believe this collaboration will accelerate our efforts to create lasting value for national cycling and society as a whole.
"We have entrusted all our company's turnover and active currency transfers to SME Bank, and we highly value their openness to feedback. It is a bank that truly listens, quickly improves on our needs, and allows us to efficiently put surplus funds to work with the Overnight deposit."
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