Overnight deposit
No need for a fixed term deposit - earn 2 % 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
150.00 EUR
An interest rate of 2% 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 | 2% p.a. | Up to 3.5% 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 |
| Minimu 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, Become a client choose the PRO payment plan, deposit at least €10000, sign the agreement. Then your company's money will start working for you.
Trusted by leading businesses
"We value the ability to earn returns on company funds without freezing capital or limiting access to liquidity."
"For a business with dynamic cash flow needs, flexibility is essential. SME Bank gives us a simple way to make funds work daily."
Contact us
