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Call money and time deposits in Liechtenstein

3.15% overnight interest at the safest financial center in Europe

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.

Estably Siegel

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Principality of Liechtenstein

Call money and time deposits in the debt-free AAA state

The unique framework conditions of Liechtenstein as a financial Center offer your overnight and fixed-term deposits a particularly high level of 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

Your call money and fixed-term deposits are invested by us under an asset management agreement 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 well above the average of European financial institutions and is therefore in the top league of the best banks worldwide.

llb Logo Neu seit 1861

Conditions

The current overnight and fixed deposit interest rates

Daily: 3.15%

1-month: 3.02%

3-months: 3.10%

6-months: 2.98%

12-months: 2.76%

Daily: 0.65%

1-month: 0.69%

3-months: 0.63%

6-months: 0.57%

12-months: 0.49%

Daily: 4.70%

1-month: 4.75%

3-months: 4.70%

6-months: 4.56%

12 months: 4.21%

Daily: 3.65%

1-month: 3.89%

3-months: 3.91%

6-months: 3.96%

12-months: 3.97%

Daily: 3.97%

1-month: 3.84%

3-months: 3.78%

6-months: 3.68%

12 months: 3.52%

Daily: 3.80%

1-month: 3.92%

3-months: 3.94%

6-months: 3.96%

12-months: 3.84%

WährungTäglich1-Monat3-Monate6-Monate12-Monate
EUR3.15%3.02%3.10%2.98%2.76%
CHF0.65%0.69%0.63%0.57%0.49%
USD4.70%4.75%4.70%4.56%4.21%
AUD3.65%3.89%3.91%3.96%3.97%
CAD3.97%3.84%3.78%3.68%3.52%
NOK3.80%3.92%3.94%3.96%3.84%

Note: The above interest rates are indicative and may change at any time. We will check the applicable interest rate with our partner bank before you take out the loan and inform you accordingly. The interest rate is based on an interest rate environment in line with the market. The call money is continuously adjusted in line with the market interest rate environment. After a fixed-term deposit expires, it will be automatically extended for you at the market interest rate environment unless you cancel it three days before expiry.

Key data

Overnight and Fixed-term deposit accounts

Costs p.a.

0.75% service fee + 0.24% bank charges

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.

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

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