Irrevocable term deposit

(Former Term Deposit Plus). Your money can also be working. The easiest way to allow your money to make more money is an irrevocable term deposit. Interest on this type of deposit is usually higher than on another type of term deposit or accumulation deposit, and termination is possible only in special circumstances.

Make a deposit

Why choose an irrevocable
term deposit?

Higher interest rates

This type of deposit usually offers higher interest rates than other term deposits.

Additional interest

If you make a deposit in the Internet Bank for one year or more, you get even higher interest – in this case additional interest of 0.05% applies*.

Your saving period is your choice

Choose a saving period best for you – from 6 months to 5 years.

Interest payment methods that meet your needs

Choose the way you want to receive interest:

each month;
each year;
at the end of the deposit term.

*During promotions and special offers, additional interest may not apply.

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Interest rates

Valid since 2026-01-05

Term	Yearly interest, percent
	EUR	USD	GBP
From 6 months	1.75	0.10	0.10
from 7 months	1.75	0.10	0.10
from 8 months	1.75	0.10	0.10
from 9 months	1.75	0.20	0.20
from 10 months	1.75	0.20	0.20
from 11 months	1.75	0.20	0.20
from 1 year	1.75	0.40	0.40
from 18 months	1.75	0.40	0.40
from 2 years	1.75	0.50	0.50
from 3 years	1.75	0.50	0.50
from 4 years	1.75	0.50	0.50
5 years	1.75	0.50	0.50

Irrevocable term
deposit calculator

Currency

EUR

GBP

USD

Initial amount

EUR

Term (in months)

You will receive interest

To conclude an agreement

This calculator is for informational purposes only. When concluding the contract, the interest rates in force at that time will be applied. Interest on deposits shall be calculated according to the formula: deposit amount x interest rate / 100 / actual number of days in the year (365 or 366) x 30 (if interest is due for a part of a month, instead of 30, the actual number of days in the month is used). The interest amount for the whole deposit period is equal to the sum of interest for all the months of the period.

Deposit type: irrevocable term deposit.

Minimum deposit amount: EUR 100 (USD 100, GBP 100).
Flexible contract term: from 6 to 60 months.
Additional interest of 0.05% applies for term deposits made in the Internet Bank with a duration of 1 year or more.

Main information

Deposit currency and amount

You can make a deposit in EUR, USD, and GBP.

The minimum deposit amount is 100 of EUR, USD or GBP. There is no cap on the deposit amount.

Term

Deposit contract term: from 6 to 60 months (from 180 to 1,827 days).

Conditions of extension

Automatic extension of the deposit term is not possible at the time of conclusion of the contract. The term of the irrevocable term deposit may be extended only 60 or less days remaining until the end of the deposit term. The deposit can be extended for the same period and the same amount. In this way, the deposit is extended each time before it matures.

Withdrawal of a part of the deposit without terminating the contract

In special circumstances, you can withdraw part of the deposit funds without terminating the deposit contract – all you need to do is to submit a request and documents supporting special circumstances.

If you submit these documents within the period announced by the bank from the date of occurrence of special circumstances, you will be paid interest accrued until that time (otherwise interest is not paid).

Interest accrued on the withdrawn part of the deposit is paid at the end of the deposit term together with the interest accrued for the remaining deposit amount.

Early termination of the deposit contract

Unlike other types of deposits, the irrevocable term deposit is subject to the conditions for termination of the deposit contract or partial withdrawal of funds, which are meant for natural persons.

The depositor has the right to withdraw part of the deposit amount without terminating the irrevocable term deposit contract or to terminate the contract in the following cases:

the depositor lost his job;
the depositor found out that he has a critical illness;
the depositor suffered a severe trauma;
the depositor lost a family member;
in the event of the depositor’s own death;
fire in the depositor’s home;

More information is available on the list of special circumstances.

In any of the above cases, the depositor may submit a request and documents proving special circumstances and, if these documents are submitted within the period specified in the list of special circumstances, the depositor may recover the full amount of the deposit (in case of partial withdrawal, part of the deposit) and receive interest accrued until that time. Upon submission of a request and documents after the period specified by the bank, the depositor loses accrued interest. The customer will be paid the money immediately, if possible, but in any case no later than within 5 business days from the date of submission of the request and the necessary documents.

Deposit insurance

Deposits kept in AB Artea bankas are insured with public institution Deposit and Investment Insurance (VšĮ Indėlių ir investicijų draudimas) in accordance with the Law of the Republic of Lithuania on Insurance of Deposits and Liabilities to Investors.