UniCredit Bank Slovenija Vezani depozit 12 mesecev UniCredit Bank Slovenia
€0
- Obrestna mera: 3,15 % letno
- Izraz: 12 mesecev
- Minimalni depozit: €1,000
Compare Fixed-Rate Deposits in Slovenia
Live offers across tracked providers in Slovenia — updated daily from the Giraffy database.
Live offers
13 live offers compared from 6 providers, from €0. Updated daily.
NLB Obvezni depozit 3 mesece NLB
€0
- Obrestna mera: 2,50 % letno
- Izraz: 3 mesece
- Minimalni depozit: €1,000
Delavska hranilnica Vezani depozit 36 mes Delavska Hranilnica
€0
- Obrestna mera: 3,40 % letno
- Izraz: 36 mesecev
- Minimalni depozit: €1,000
Intesa Sanpaolo Slovenija Vezani depozit 24 mesecev Intesa Sanpaolo Slovenia
€0
- Obrestna mera: 3,30 % letno
- Izraz: 24 mesecev
- Minimalni depozit: €1,000
Addiko Bank Slovenija Obvezni depozit 18 mesecev Addiko Bank Slovenia
€0
- Obrestna mera: 3,10 % letno
- Izraz: 18 mesecev
- Minimalni depozit: €1,000
Intesa Sanpaolo Slovenija Vezani depozit 12 mesecev Intesa Sanpaolo Slovenia
€0
- Obrestna mera: 3,20 % letno
- Izraz: 12 mesecev
- Minimalni depozit: €1,000
NLB Obvezni depozit 12 mesecev NLB
€0
- Obrestna mera: 3,15 % letno
- Izraz: 12 mesecev
- Minimalni depozit: €1,000
NLB Obvezni depozit 24 mesecev NLB
€0
- Obrestna mera: 3,25 % letno
- Izraz: 24 mesecev
- Minimalni depozit: €1,000
Vezani depozit Sparkasse Banka 36 mesecev Sparkasse Banka
€0
- Obrestna mera: 3,40 % letno
- Izraz: 36 mesecev
- Minimalni depozit: €1,000
Delavska Hranilnica Vezani depozit 18 mes Delavska Hranilnica
€0
- Obrestna mera: 3,10 % letno
- Izraz: 18 mesecev
- Minimalni depozit: €1,000
Vezani depozit Sparkasse Banka 6 mesecev Sparkasse Banka
€0
- Obrestna mera: 2,75 % letno
- Izraz: 6 mesecev
- Minimalni depozit: €1,000
Addiko Bank Slovenija Obvezni depozit 6 mesecev Addiko Bank Slovenia
€0
- Obrestna mera: 2,80 % letno
- Izraz: 6 mesecev
- Minimalni depozit: €1,000
UniCredit Bank Slovenija Vezani depozit 24 mesecev UniCredit Bank Slovenia
€0
- Obrestna mera: 3,30 % letno
- Izraz: 24 mesecev
- Minimalni depozit: €1,000
What is a fixed deposit in Slovenia?
A fixed deposit in Slovenia (vezana vloga or depozit) is a savings product where you lock a sum of money with a bank for an agreed term — commonly 3, 6, 12, 24 or 36 months — in exchange for a fixed interest rate known in advance. The rate is guaranteed for the term, and funds are generally not accessible without penalty until maturity. Deposits are held in euro, and interest is paid at maturity or periodically depending on the product.
How the Slovenian market works
Fixed deposits are offered by banks and savings banks supervised by Banka Slovenije within the eurozone framework. Rates broadly track European Central Bank policy, so after a long low-rate period, term deposits have become more attractive. Longer terms and larger balances often earn higher rates, and some banks offer promotional rates for new money. You typically arrange a deposit through online banking or a branch once you hold an account with the bank.
Benefits
Guaranteed return — the interest rate is fixed for the whole term, giving certainty.
Higher rates than instant access — locking funds usually earns more than a variable savings account.
Disciplined saving — the term discourages dipping into the money early.
Deposit protection — balances are covered by the national guarantee scheme.
How to choose
Match the term to when you'll need the money, since early withdrawal usually forfeits interest or incurs a penalty. Compare the annual rate across terms and banks, check whether interest is paid at maturity or periodically, and note any minimum deposit. Consider laddering — splitting money across several maturities — to balance access and return. Confirm whether the rate is a standard or new-money promotional offer.
Leading providers in Slovenia
NLB offers a full range of term deposits with its nationwide network. Addiko Bank Slovenia and Delavska Hranilnica are frequently competitive on consumer deposit rates, while UniCredit Bank Slovenia, Intesa Sanpaolo Slovenia and Sparkasse Banka provide term deposits within broader banking relationships. Because rates differ by bank and term and move with market conditions, comparing current offers before locking in is essential.
What it costs
Fixed deposits carry no fee; the number to compare is the interest rate, which rises with term length and sometimes balance size. Short terms pay less than longer ones, and promotional new-money rates may beat standard rates. The main cost risk is early access — breaking a deposit typically means losing some or all interest. Interest earned may be subject to Slovenian tax on interest income.
Protections and regulation
Fixed deposits are covered by Slovenia's deposit guarantee scheme up to €100,000 per depositor per bank, administered under Banka Slovenije. Banks must clearly disclose the rate, term and early-withdrawal terms before you commit. Complaints about a deposit can be raised with the bank and escalated to Banka Slovenije or the consumer out-of-court dispute body.
Common questions
Can I withdraw early? Usually only with a penalty or loss of interest; deposits are designed to be held to maturity.
Is the rate fixed? Yes — the agreed rate is locked for the entire term.
Are deposits protected? Yes, up to €100,000 per depositor per bank under the guarantee scheme.
The cheapest Fixed-Rate Deposits in Slovenia is €0 from UniCredit Bank Slovenia.
Fixed-Rate Deposits in Slovenia — FAQ
What is the best fixed deposit rate in Slovenia right now?
Giraffy tracks 5 fixed-rate deposit accounts across UniCredit Bank Slovenia,NLB,Delavska Hranilnica,Intesa Sanpaolo Slovenia,Addiko Bank Slovenia banks in Slovenia. The best rate currently tracked is €0. Sort by highest rate and compare term lengths to see which account suits your timeline.
What is a fixed-rate deposit and how does it work?
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Are fixed deposits safe?
Yes — the DSGF (Deposit Guarantee Scheme Fund) protects up to €100,000 per depositor, per bank. Fixed deposits at Bank of Slovenia-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Can I withdraw money early from a fixed deposit?
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
What is the difference between a fixed deposit and an easy-access savings account?
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
What happens at the end of a fixed deposit term?
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
How are fixed deposit rates set in Slovenia?
Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Bank of Slovenia (Banka Slovenije) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.