Saving notes

This is a low-risk investing tool that allows you to entrust free funds to the Lithuanian Government.

  • A safe and reliable investment – the government guarantees that these debt securities will be redeemed and the interest paid on time.
  • No fees for saving notes acquisition and storage.
  • Saving notes are insured with insurance of liabilities to investors by the SC "Deposit and Investment Insurance".
  • Saving notes are issued by the Government of the Republic of Lithuania and are distributed by Swedbank.
  • Minimal investment sum starts from EUR 100.
  • Interest that reflects market situation.
  • Early redemption possibility if money is necessary earlier *.
  • Costless pay-out in cash for redeemed saving notes at Swedbank branches (in 60 days from notes transfer to account). When withdrawing funds after deadline, or in ATMs, standard service fees are applied.
  • Saving notes are distributed in periods determined in advance. During the distribution period the price of saving notes increases every day, therefore if you acquire them in advance you pay a lower price and earn more interest than acquiring them on the last day of distribution. The precise distribution price depends on the determined interest rate and is indicated in conditions of each saving notes emission.
  • The Government of the Republic of Lithuania is planning other emissions: Other planned saving notes emissions.

* If you need the money earlier, you will be able to sell the saving notes before the deadline. The dates of early saving notes redemption and early redemption request deadlines, in order to use the early redemption date, are indicated in the conditions of every emission. You can submit the request for early redemption in the "Swedbank" Internet Bank or any Swedbank customer service branch.

Saving notes cover the risk of noncompliance with obligations. You can find detailed description of debt securities here.

Obligations for investors are insured according to the conditions, set by insurance law for PE “Indėlių ir investicijų draudimas“ LR deposits and obligations for investors. Read more

For more information about saving notes go to Site of the Ministry of Finance of the Respublic of Lithuania.

The information provided is for general information purposes only. It is in no way a personal recommendation, invitation, order or offer to buy or sell government saving notes. The intermediary assumes no responsibility for any direct or indirect loss or expense incurred by using this information.