Invested with Liechtensteinische Landesbank, starting from an equivalent of €100,000, with no upper limit and in various currencies.
Liechtenstein's financial center offers stable framework conditions for your call and fixed-term deposits.
AAA Rating
Liechtenstein is one of the few states with a top AAA rating and is debt-free.
Stable Framework Conditions
Liechtenstein is politically and legally stable, thanks in part to its form of government as a constitutional hereditary monarchy.
Regulated Financial Center
The Liechtenstein Financial Market Authority ensures client protection, stability, and the prevention of abuses.
EEA without EU Membership
Liechtenstein is part of the European Economic Area but not a member of the EU, and therefore is not liable for the European Stability Mechanism (ESM).
Your call and fixed-term deposits are invested by us with the traditional Liechtensteinische Landesbank as part of a wealth management agreement. With a deposit rating of Aa1, LLB is significantly above the average of European financial institutions.
The respective interest rate applies to the entire investment amount, which has no upper limit. It is neither limited to a few months nor to a specific amount.
Currency
Daily
1 Month
3 Months
6 Months
12 Months
EUR
1,93 %
2,07 %
2,19 %
2.67%
2,96 %
CHF
0 %
0 %
0 %
0 %
0 %
USD
3,30 %
3,42 %
3,65 %
3,89 %
4,21 %
AUD
3,65 %
4,24 %
4,46 %
4,46 %
4,65 %
CAD
1,55 %
1,88 %
2,08 %
2,19 %
2,54 %
NOK
3,55 %
4,19 %
4,33 %
4,34 %
4,49 %
GBP
3,05 %
3,44 %
3,73 %
3,83 %
4,18 %
Note: The stated interest rates are indications and may change at any time. We will inquire about the applicable interest rate with our partner bank before you finalize your investment and inform you. Call money is continuously adjusted to the market-appropriate interest rate environment. After a fixed-term deposit matures, it will automatically be extended at the market-appropriate interest rate, unless you cancel it three days before maturity. [Update interest rates before publication]
Call and Fixed-Term Deposit Accounts
From €100,000, with no upper limit
Costs p.a.
0.69% service fee + 0.30% custody fees
One interest rate for the entire investment amount
Offers with higher interest rates are often limited to a specific term or investment amount. With Estably's call and fixed-term deposits, the respective interest rate applies to the entire investment amount, with no upper limit.
Sign up
At the beginning of our registration process, you will complete a short questionnaire.
Choose conditions
Then, select the desired duration and currency of your investment.
Identify
Your identity will be verified via video or auto-identification. Please have a valid photo ID ready.
Transfer Funds
Finally, transfer the desired investment amount to your account with LLB.
How secure is my money?
With its AAA rating and stable political and legal framework conditions, Liechtenstein offers a high level of security. Your account is held with Liechtensteinische Landesbank, whose equity capital significantly exceeds statutory requirements. The country of Liechtenstein is the legally mandated majority owner.
Your deposit is also protected up to CHF 100,000 by deposit insurance (in special cases, for example, for assets from the sale of a privately used property, up to CHF 750,000). Contact us to learn more about deposit insurance.
Who can open a call or fixed-term deposit account in Liechtenstein?
Generally, any natural or legal person, provided there is no U.S. tax liability. You will need a valid photo ID, a stable internet connection, and a camera. Persons residing outside Germany also require a registration certificate and a TIN number. A call or fixed-term deposit account can be opened independently of the other Estably strategies.
Why are there fees for call and fixed-term deposits with Estably?
The costs include, among other things, account management fees, tax report costs, and cross-border fees, which apply to foreign investors when investing in Liechtenstein. An account in Liechtenstein for foreign clients is usually only available for significantly higher investment amounts due to the increased administrative effort. For larger investment amounts, your costs will decrease.
What do I need to consider regarding taxation?
No automatic tax deductions are made. You will receive a tax report from the bank for your tax declaration after the financial year-end. Our fees, which also include custody fees, are exempt from VAT for clients outside Switzerland and Liechtenstein.
How long does it take to open an account?
Provided all information is submitted correctly and no further inquiries arise, your account with Liechtensteinische Landesbank will be opened within a few business days. We will assist you with any questions or technical issues from the start.
Are there any commitment or notice periods?
For call money, deposits, withdrawals, or account closure are possible within one business day without additional costs. A fixed-term deposit is automatically extended at the market-appropriate interest rate upon maturity, unless you cancel it three days before maturity. Reinvestment with a different term or in a different currency is also possible. Please feel free to contact us about this.
Investment and interest with LLB, international currencies, from an equivalent of €100,000 and with no maximum investment amount.
