4.55%* Call money interest at the safest financial centre in Europe
*Interest rate of call money in USD before costs, or 2.60% in Euro.
Principality of Liechtenstein
The safest place for your overnight and time deposit account
The unique framework conditions of Liechtenstein as a financial centre offer your assets a particularly high level of protection
Security with one of the best banks in the world
We invest your money with the long-established Liechtensteinische Landesbank (LLB). 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.
The current overnight and fixed deposit interest rates
Overnight and Fixed-term deposit accounts
Interest extended (notice of termination must be given at least three days before expiry)
0.75% service fee + 0.24% bank charges
- From €250,000 : 0.65% service fees + 0.24% bank charges
- From €500,000 : 0.55% service fees + 0.24% bank charges
- From €1,000,000 : 0.45% service fees + 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.
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.
Your next steps
Frequently asked questions
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.
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.
No. In the case of a call deposit, a deposit or withdrawal is possible within one working day without any 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!