Call money and time deposits in Liechtenstein
3.40% overnight interest at the safest financial center in Europe
- Highest security in the Principality of Liechtenstein
- Invest unlimitedly without an investment limit
- Various currencies available
Interest rate of call money in EUR before costs; the opening of a call or time deposit account is based on an asset management contract.
Known from
CHF
1,39% p.a.
12 Months
Before costs
EUR
2,35% p.a.
Call money
Before costs
USD
4,55% p.a.
3 Months
Before costs
Principality of Liechtenstein
Call money and time deposits in the debt-free AAA state
The unique framework conditions of Liechtenstein as a financial centre offer your overnight and fixed-term deposits particularly high protection
AAA rating without sovereign debt
Liechtenstein is one of the very few countries in the world that has a AAA rating and is not indebted.
Extremely stable framework conditions
Stable in both political and legal terms due to the unique form of government (constitutional hereditary monarchy).
Heavily regulated
financial centre
The Liechtenstein Financial Market Authority ensures client protection, stability, and the prevention of abuses.
EEA benefits without EU membership
Liechtenstein can benefit from the advantages of the EU without having to bear the liability disadvantages of the ESM ("bailout fund").
LLB
Security with one of the best banks in the world
We invest your call money and time deposits within the framework of an asset management contract with the long-established LLB (Liechtensteinische Landesbank). With over 160 years of experience, the LLB is considered the most conservative bank in Liechtenstein.
With a deposit rating of Aa2, the LLB is far above the average of European financial institutions and is thus in the top league of the best banks worldwide.
- Equity ratio far above the legal requirements
- Above-average liquidity of the entire LLB Group
- The Principality of Liechtenstein as the main owner
Conditions
The current overnight and fixed deposit interest rates
(Status: 26.10.2023)
Currency
Daily
1-Month
3-Months
6-Months
12-Months
EUR
3,40%
3,25%
3,34%
3,44%
3,42%
CHF
1,20%
1,20%
1,20%
1,25%
1,20%
USD
4,71%
4,73%
4,81%
4,87%
4,80%
AUD
3,48%
3,63%
3,92%
3,99%
4,23%
CAD
4,28%
4,31%
4,50%
4,57%
4,65%
NOK
3,73%
3,79%
4,16%
4,15%
4,23%
Daily: 3,40%
1-Month: 3,25%
3-Months: 3,34%
6-Months: 3,44%
12-Months: 3,42%
Daily: 1,20%
1-Month: 1,20%
3-Months: 1,21%
6-Months: 1,25%
12-Months: 1,20%
Daily: 4,71%
1-Month: 4,73%
3-Months: 4,81%
6-Months: 4,87%
12-Months: 4,80%
Daily: 3,48%
1-Month: 3,63%
3-Months: 3,92%
6-Months: 3,99%
12-Months: 4,23%
Daily: 4,28%
1-Month: 4,31%
3-Months: 4,50%
6-Months: 4,57%
12-Months: 4,65%
Daily: 3,73%
1-Month: 3,79%
3-Months: 4,16%
6-Months: 4,15%
12-Months: 4,23%
Key data
Overnight and Fixed-term deposit accounts
- From € 50,000 minimum investment amount
- No investment limit upwards
- Deposits and withdrawals with call money possible at any time
- Fixed-term deposits are automatically renewed after expiry at the interest rate in line with the market (notice of termination must be given at least three days prior to expiry).
Costs p.a.
0.75% service fee + 0.24% bank charges
- Own securities account with one of the safest banks in the world
- Personal advisor at your side
- Tax report costs and cross-border fees already included
- Access to your personal dashboard
- Staggered costs for higher amounts (more)
- Asset management contract with Estably
No restrictions or hidden conditions
The supposedly higher interest rates of other providers are often limited to a certain term and/or a certain investment amount (e.g. 3% for 6 months up to a maximum of €50,000, but after 6 months the interest rate drops to 0.6%).
In the case of call money and time deposits with Estably, the respective interest rate applies to the entire investment amount, which is unlimited upwards.
Note: Choosing the above interest rate does not guarantee the interest rate you will receive from the time of investment. The interest rate is based on a market interest rate environment. The overnight deposit is continuously adjusted to the interest rate environment in line with the market. When a time deposit expires, it will be automatically renewed for you at the market interest rate environment unless you cancel it three days before expiry.
Without hidden conditions
Even more attractive conditions with higher investments
While other providers lure with supposedly higher interest rates, these are often limited to a certain term and/or a certain investment amount (e.g. 3% for 6 months up to a maximum of €50,000, but after 6 months the interest rate drops to 0.6%).
In the case of overnight and fixed-term deposits with Estably and LLB under an asset management agreement, the respective interest rate applies to the entire investment amount, which is unlimited upwards.
Staggered costs
- From €250,000:
0.65% service fees + 0.24% bank charges - From €500,000:
0.58% service fees + 0.21% bank charges - From €750,000:
0.48% service fees + 0.21% bank charges - From €1,000,000:
0.41% service fees + 0.18% bank charges - From €5,000,000:
0.31% service fees + 0.18% bank charges
Investment amount unlimited upwards
The interest rate applies to the entire investment amount, which is unlimited upwards.
Special interest rates from € 1 million
From an investment amount of € 1 million, we can offer you even better interest rates on request.
How it works
Your next steps
1. Registration
At the beginning of our registration route, you will go through a short questionnaire.
2. Select conditions
Then select the desired duration and currency of your investment.
3. Identification
Your identity will be verified via video or Auto-Ident. Please have a valid photo ID ready.
4. Transfer money
Finally, transfer the desired investment amount to your LLB account.
FAQs
Frequently asked questions
Your overnight and fixed-term deposits in Liechtenstein are safer than average.
As one of only a few debt-free AAA countries worldwide, the Principality of Liechtenstein offers a high degree of security with its stable political and legal framework.
Your custody account is managed by the Liechtensteinische Landesbank – a bank whose own funds are far above the legal requirements.
The country itself is the statutory majority owner of the Landesbank, which offers additional security.
Your deposit is also protected by the deposit guarantee scheme up to an amount of CHF 100,000 (in special cases, for example in the case of assets from the sale of a privately used property, even up to CHF 750,000).
Contact us to find out more about the deposit guarantee.
In principle, any natural or legal person can open an overnight or fixed-term deposit account, provided there is no US tax liability. You will need a valid photo ID, a stable internet connection, and a camera. Persons residing outside Germany also need a certificate of residence and a TIN number.
A call or time deposit account can be opened independently of the rest of the Estably strategies.
The costs include account management fees, tax report costs and cross-border fees, which are incurred by foreign investors when investing in Liechtenstein.
We also offer an account in Liechtenstein, one of only a few debt-free countries with a triple-A rating. Such an account is not so easy to obtain for foreign clients in smaller investment amounts due to the increased administrative effort (usually only for significantly higher investment amounts).
Your costs are reduced for larger investment amounts.
No automatic tax deductions are made. You will receive a tax report from the bank for your tax return after the end of the year. Our fees, which also include bank charges, are exempt from VAT for clients outside Switzerland/Liechtenstein.
Provided all the details are correct and there are no queries, your new account with the Liechtensteinische Landesbank will be opened within a few working days. We will be happy to assist you at any time from the very beginning if you have any questions or technical problems.
In the case of a call deposit, a deposit or withdrawal or dissolution is possible within one working day without further costs.
After expiry of a time deposit, it is automatically extended for you at the interest rate in line with the market, unless you cancel it three days before expiry. Reinvestment with other terms or exchange into another currency and investment are also possible. Simply get in touch with us. We are here for you!
At a glance
Call money and time deposits in Liechtenstein - with Estably and the LLB
- Highest security in Liechtenstein as a financial centre
- Investment and interest at LLB
- International currencies available
- From a minimum investment amount equivalent to € 50,000
- Without maximum investment amount
