Don’t push money away!

Earn up to 4.5% per year with a local bank
Learn more

For a freely accessible 3rd pension pillar!

If you are saving or planning to save in the 3rd pension pillar and want access to your savings even before the age of 55 – this is your opportunity.
Sign the initiative

Earn more at INDEXO Bank than at other banks

Fast, easy, and hassle-free – join in just a few minutes and start earning up to 4.5 % a year!
Two smartphones displaying screens from the "Accounts" and "Cards" sections of the INDEXO application. On the front of the smartphones is a QR code that, when scanned, takes you to Google or the App Store.
Learn more
Two smartphones displaying screens from the "Accounts" and "Cards" sections of the INDEXO application. On the front of the smartphones is a QR code that, when scanned, takes you to Google or the App Store.

Your home is a valuable asset!

A loan secured against your home up to €500,000 from 1.9% per year.
Learn more

Refinance and save an average of €515 a year!

Get your mortgage refinancing offer with an additional amount right in the INDEXO Bank app!
Learn more

Best from INDEXO

A hand holding two INDEXO bank cards
For purchases
Consumer loan from 6,50 % per year
Card with purchase insurance
A man runs along a country road, framed between two arms in the foreground, a flowering field and blue sky in the background
For savings
Saving vaults 2.5 % per year
Term deposits up to 4.5 % per year
A person holds a smartphone with the INDEXO website open, where they can see pension plans.
For pension
2nd pillar pension plans
3rd pillar pension plans

Calculate how much you’ll earn

Compare how much you could earn with INDEXO and elsewhere.
1.00 2.50
Primary account
1.00 % a year
EUR Max amount is €100,000
1,98 €/a year
Savings vault
2.50 % a year
EUR Max amount is €100,000
1,98 €/a year
Term deposit
4 % a year
EUR Min deposit amount is €100. Max deposit amount is €1 000 000
1,98 €/a year
69,36 EUR

Profit per year

5,36 EUR a month

This profit fully covers the monthly fee of EUR 2.99 for the Zelts plan throughout the year

Apply

Calculate how much you will get

Allow your money to earn for you - profitable compound interest rate of up to 4.5 % a year
100 100000
Min deposit amount is 100 € Enter a larger value here
EUR
3 mon. 3.303.30%
6 mon. 3.503.50%
1 year 3.703.70%
2 years 3.903.90%
3 years 4.204.20%
5 years 4.504.50%
20 209.92 EUR
Total
Apply

Consumer credit calculator

Find out your available reserves and get a loan in a few minutes
600 25000
EUR Min loan amount is €600. Max loan amount is €25,000.
18 84
months Min. aizdevuma termiņš ir 18 mēneši Max loan term is 84 months.
Monthly payment
181,84 €
Interest rate From 6.5 % a year
Processing fee
0 €

Get an offer

The calculation of the calculator is for informational purposes only. Each client’s situation is evaluated individually.

Calculation assumption

Mortgage loan refinancing calculator

Find out how much you can gain by refinancing your mortgage loan
Remaining loan amount
0 200 000
EUR
Current monthly payment
0 2 0000
EUR
Estimated property value
0 300 000
EUR
Remaining repayment term
years
months

New monthly payment

0 €/month

Administrative fee

0 €

Processing fee

100,00 0,00 €

Free until June 30th

Estimated interest rate

1,59 % per year

APR (including EURIBOR)

0 %
Get an offer

The calculator provides indicative results only. Each client’s situation is assessed individually, and the final offer’s interest rate may vary.

18

65

300

6000

Enter a larger value here
EUR

Projected retirement savings

How much deposit is smart?

Different income percentages

background trinagle Suggested
5%

5%

good start

10%

10%

Good pension, good use of tax benefits

20%

20%

Western standard

close modal

Get a 25.5% tax refund from the state

You can receive a 25.5% personal income tax refund (IIN) for part of the contributions, which do not exceed 10% of the annual gross salary or no more than EUR 4,000 per year, by submitting an annual income declaration. You will receive a tax refund if you are a VAT payer.

close modal

The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.

close modal

ABOUT YOU

55

75

CONTRIBUTIONS



Shares 50%

Bonds 50%

10

300

Enter a larger value here

0

300

Enter a larger value here

0

300

Enter a larger value here

Calculation assumptions

  • The savings are being accumulated in the pension plans INDEXO Akciju plāns and INDEXO Obligāciju plāns. Annual return scenarios for the INDEXO Akciju plāns: Favorable 0%, Optimistic 0%, Pessimistic 0% . Annual return scenarios for the INDEXO Obligāciju plāns: Optimistic 0%, Favorable 0%, Pessimistic 0% .
  • The projected return is calculated based on the average weighted return of the reference indices for the period from 2013 to 2023, subtracting the management, pension fund, and custodian bank fees. The return does not guarantee equivalent returns in the future. The actual return of the pension plans and the supplementary pension amount may differ from the forecast.
  • The forecasts do not take into account the legal regulations in the area of tax application, which may affect the actual amount of the supplementary pension received.
  • The latest economic and long-term budget projections for Latvia from the European Commission's Ageing Report were used for annual indexation.

Pension projection scenario

Favorable

Pessimistic

Optimistic

AccumulationQuestion?

0 EUR

Amount of pension per month

0 EUR

Recovered PITQuestion?

0 EUR

Detailed calculation

The savings include

Contributions

0 EUR

Private contributions

0 EUR

Employer contributions

0 EUR

Expenses

0 EUR

For the pension fund

0 EUR

For the asset manager

0 EUR

For the custodian bank

0 EUR

INDEXO – a local bank for local needs!

A mobile bank with convenient and secure solutions.
It provides everything you need to effectively manage your money anytime, anywhere.

Earn more with INDEXO Bank than with any other bank

  • Current account – 1.0 % a year
  • Savings Vaults – 2.5 % a year
  • Term deposit – up to 4.5 % a year

Deposits are guaranteed in accordance with the Latvian Deposit Guarantee Fund.

A modern and user-friendly mobile app

Everything in one app – convenient and efficient payments across Latvia and Europe, mortgage refinancing, and simple management of your 2nd and 3rd pillar pensions.

A bank created in Latvia that represents local interests

Thousands of Latvian residents are shareholders of INDEXO. Decisions about the bank’s development and product offerings are made right here in Latvia, taking local interests into account. We are a licensed bank, subject to all EU banking regulations.

A smartphone showing a screen from the INDEXO application section "Pennies" with a 3rd level pension schedule. In front is a QR code, which when scanned, takes you to Google or App Store. Below the smartphone button to Apple App Store and Google Play Store
App StoreGoogle Play
Become an INDEXO Bank client

With INDEXO, your money is safe

Illustration with a white chess piece

Strict regulation

INDEXO Bank is a credit institution licensed by the European Central Bank, operating in accordance with the highest security standards in the financial sector.

Deposit guarantee fund

At INDEXO Bank, all deposits up to EUR 100 000 per client are protected under the Latvian Deposit Guarantee Fund.

Team of industry experts

INDEXO Bank is managed by experienced financial and banking industry experts who have gained their knowledge and skills at leading Latvian and international financial institutions.

Join

An overview of the
INDEXO Bank mobile app

INDEXO
2nd pension pillar

5 % of your salary is already being saved in the second pillar pension. Learn how to invest it more effectively with INDEXO investment plans.
Learn more

INDEXO
3rd pension pillar

Make regular contributions to the third pillar of your pension and grow your capital with an automated investment system.
Learn more

Sign up for an INDEXO consultation or news

Sign up

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

Choose the best plan for your age

Jauns cilvēks ar cirtainiem matiem melnā cepurē un pelēkā kreklā smaida kamerai uz vienkārša fona.

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions
Sieviete ar gariem blondiem matiem un tumšu lūpu krāsu skatās kamerā uz gaiša fona.

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions
Vīrietis ar īsiem brūniem matiem un brillēm, tērpies uzvalka žaketē, stāv spilgti apgaismotā telpā.

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

Submit e-application for selection or change the investment plan of 2nd pension pillar

3

Choose an investment plan best for your age
Skip instructions - switch to Latvija.lv
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To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank

Get consumer loan consultation

By submitting your phone number, you agree that INDEXO may contact you to provide a consultation on consumer loans. For more information about the processing of personal data, please read our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].

Assuming:
loan interest rate - 6.5%
total loan amount - 5,000 €
contract term - 60 months
contract conclusion fee - €130
annual interest rate (AIR) - 7.9%

Total amount = 5 999.84 €
Monthly payment = 97.83 €

Monthly payment

The loan maintenance fee ensures high-quality service throughout the loan term, including loan account maintenance, payment processing and customer support. The 2% fee is conveniently spread across instalments to avoid a one-time burden at the moment of loan issuance.
Ikmēneša maksājums: 105,61 EUR
Pamatsumma un procenti: 103,95 EUR/ a month
Administrēšanas maksa: 1,67 EUR/ a month

Processing fee

The processing fee includes the initial credit issuance commission.

Primary account

We pay for every euro you hold in your current account. In addition, no amount limit. Interest is calculated from the current account balance and paid out once a month.

The interest amount is calculated before withholding personal income tax.

Savings vault

You can deposit and withdraw as much as you want and whenever you want - you don't have to apply for anything, you don't have to pay anything. Your money in the savings bank not only accumulates, but also earns. The interest earned is added to the savings and reinvested for you at the beginning of the next month.

You can also turn on the round up function and save whenever you pay by card. If you want, set the second, third or even fifth speed!

The interest amount is calculated before withholding personal income tax.

Term deposit

Deposit free funds and receive up to 4.5 % per year. Choose the amount, the period of 12, 24 or 36 months and confirm with the PIN code of the INDEXO Bank app. That's all!

Plus, with INDEXO's compound interest approach, your monthly earned interest is added to the principal amount and reinvested. This way, your money grows faster.

The interest amount is calculated before withholding personal income tax.

Compared to other banks, note that Swedbank currently does not offer term deposits with a 24- or 36-month term.
Assuming:
loan interest rate - 6.5%
total loan amount - 5,000 €
contract term - 60 months
contract conclusion fee - €130
annual interest rate (AIR) - 7.9%

Total amount = 5 999.84 €
Monthly payment = 97.83 €

Term deposit interest rates

For 12 months
Annual % rates
Base rate:
3.588641%
Rate with compound interest:
3.70%
For 24 months
Annual % rates
Base rate:
3.709622%
Rate with compound interest:
3.90%
For 36 months
Annual % rates
Base rate:
3.911461%
Rate with compound interest:
4.20%

To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank