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Frequently Asked Questions

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Saldo Bank
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Consumer loan
Business loan
Term deposit

Yes, Saldo provides services and can assist you in both Lithuanian and English.

Unfortunately, in order to assess your solvency, we need to verify your identity. To complete this step you’ll need to provide your personal identification number.

Saldo Bank offers several different financing services to consumers.

Consumer loans is an excellent solution for small to medium expenses. This might include things like home repairs, car repairs or purchases, and other similar expenses. Saldo Finance provides consumer loans online up to € 3 000. Get more information about our consumer loan service.

Saldo also provides business loans for companies, corporations and partnerships. Small and medium sized businesses can apply online and receive a loan of up to € 10 000, which can be used for business development or other debts.

More information on all types of Saldo Loans.

We are a leader in innovative and automated lending and payment solutions and a well-known and reliable provider of lending services. Saldo has been engaged in innovative lending activities for more than a decade.

We create automated and fast borrowing solutions for consumers to help manage their day-to-day needs. Once you’ve submitted a successful application, you can borrow from Saldo in just a matter of minutes.

Find more information about Saldo in the About Us section of the page.

The time it takes from filling out your application until the money reaches your bank account will only take a matter of minutes. The entire loan and credit issuance process is automated and funds are transferred to your bank account instantly.

In certain circumstances, we can provide a loan for individuals who do not have a fixed income. However, we access each application on a case-by-case basis, so you’ll have fill out our application to see if you’re eligible.

Unfortunately, we can only transfer money to your personal bank account.

Yes you can. If you meet the solvency criteria and borrow responsibly, Saldo Bank may grant you more than one credit and / or loan.

We do require that you are up to date with your payments for your existing loans at Saldo and that at least 99 days have pasts since you took your previous loan from Saldo.

You can check the status of your billing through Saldo Internet Bank. There you can see if the invoice is marked paid or if it is still open. In unclear situations you can always contact our customer support.

Term deposit is a financial tool that allows you to keep a specific amount of money in a bank or other financial institution for an agreed period of time, for which the bank or other financial institution pays interest.

This is one of the most stable ways to get passive income and get your money working for you. With term deposits, your money won’t lose so much value due to inflation or other market changes. Irrevocable term deposit can only be cancelled and taken out before term under special circumstances.

Yes, all term deposits up to €100 000 per person are insured under the European Deposit Insurance Guarantee System. Note that the limit is per person and not per term deposit agreement. Read more on deposit insurance conditions and events when deposits are not insured and when deposit insurance payouts are subject to payment restrictions. Detailed information can be found on the website of the Public Institution "Indėlių ir investicių draudimas" at

The minimum term deposit is € 1 000 and the maximum is € 100 000.

A bank transfer is required to make a deposit at Saldo Bank. Cash deposit is not possible.

You only need to fill out the application, identify yourself and sign the contract remotely on our website. The process of signing the contract is completely remote.

You can calculate the annual interest rate for the desired amount and period using the calculator on the Term Deposit page or contact customer service specialists by phone +370 604 45179 or e-mail by mail

A savings account is a term deposit that can be topped up whenever you want. During the next agreed period for depositing (or withdrawing) money, interest is recalculated based on the new amount. If you want to close the savings account, you will be paid all the accrued interest and the deposited amount. However, interest on a savings account will never reach the level that a term deposit can offer.

Saldo cannot offer savings account services at this time.

The shortest term of the term deposit is 9 months, the longest is 60 months.

Yes, the depositor has the right to terminate irrevocable term deposit agreement, however, only in exceptional circumstances  (job loss, severe illness, death of the depositor, their spouse, child, or another close relative) or with the consent of the bank.

Yes, the term deposit can be extended for the same term.

After you enter into a term deposit agreement, all information about your deposit, including accrued interest and contracts, will be available on the MySaldo customer self-service portal.

The process of entering into the contract is completely remote. You can fill out the application, identify yourself and sign the contract remotely on our website

After signing the term deposit agreement, you will have 10 days to transfer the deposit amount to the provided bank account. If the money is not transferred within 10 days, the deposit agreement will be terminated.

When your deposit expires, the deposit amount along with accrued interest is transferred to your account within 7 calendar days.