| Bank | Term | Promo rate | Regular rate | Amount | Conditions |
|---|---|---|---|---|---|
| Intesa Sanpaolo Bank Depozit 12M | 12 mo. | 3.30% | 1.70% | €300 - €100,000 | see the bank terms bank source |
| Gorenjska banka Depozit 13M (nova sredstva) | 13 mo. | 3.10% | 1.50% | €250 - €500,000 | new funds only, new customers bank source |
| UniCredit Banka Slovenija Depozit 13-24M - paket Brezmejni in Elitni zdravnik | 13 mo. | 3.10% | 1.90% | €500 - €100,000 | account or package at the bank, standing order into a fund valid until 15 Nov 2026 bank source |
| Sparkasse Depozit 12-14 mesecev | 12 mo. | 3.00% | 1.20% | €500 - €100,000 | new customers, account or package at the bank, salary or pension transfer valid until 31 Dec 2026 bank source |
| UniCredit Banka Slovenija Depozit 13-24M - paket Aktivni | 13 mo. | 2.50% | 1.90% | €500 - €100,000 | account or package at the bank, standing order into a fund valid until 15 Nov 2026 bank source |
| UniCredit Banka Slovenija Depozit 13-24M - paket Sproščeni | 13 mo. | 2.20% | 1.90% | €500 - €100,000 | account or package at the bank, standing order into a fund valid until 15 Nov 2026 bank source |
| Addiko Bank Dolgoročni akcijski evrski depozit >1,5–2 leti | 19 mo. | 2.10% | 1.95% | €400 - €500,000 | in a branch only bank source |
| Addiko Bank Akcijski kratkoročni evrski depozit 91–180 dni | 3 mo. | 1.95% | 1.30% | €400 - €500,000 | new customers, account or package at the bank bank source |
| Addiko Bank Akcijski depozit 3-5M (nove stranke) | 3 mo. | 1.95% | 1.30% | €400 - €500,000 | new customers, account or package at the bank bank source |
The regular rate is the same bank's standard offer for the same term. Conditions are summarised from the bank's price list; check them with the bank before you sign. All offers, regular ones included, are in the deposit comparison.
A promotional deposit rate can pay up to twice the interest of the same bank’s regular offer. The higher rate is rarely free, though. Banks use it to win new customers, so they ask for something in return: an account, your salary, fresh money or a monthly payment into a fund. The table above shows which promotions are available right now and what they require. Below is a quick way to check whether a promotion really pays off for you.
Why banks run promotions
Regular deposit rates in Slovenia are low because banks have plenty of cash. A promotion is mainly a marketing tool. The bank is willing to pay more interest if it gains a customer who will open an account, receive a salary or buy funds there. It then earns more on those services than it paid in extra interest.
There is nothing wrong with that. You just need to compare the whole package, not only the percentage.
The most common conditions
Most often the promotion applies to new funds only. You get the higher rate only on money you bring in from elsewhere. Money you already hold at the same bank usually does not qualify, and moving it between your own accounts at that bank does not count either. Some promotions are also limited to new customers.
Another common condition is an account or package at the bank. A package has a monthly fee that keeps running after the deposit ends unless you close it. Some banks also ask you to move your salary or pension, which only makes sense if you were thinking of switching banks anyway.
Be especially careful when the higher rate is tied to a standing order into a mutual fund. You are then buying a second product with entry and management costs, and its value can also fall. If investing interests you, the article on saving or investing explains the difference.
Every promotion has an end date and often a maximum amount. Anything above that amount earns the regular rate.
Worked example: does the promotion pay off?
Maja has €15,000 in savings she will not need for a year. Her own bank would pay, say, 1.5% on a 12-month deposit. Another bank offers a promotional 3.0% if she opens a package account for €8 a month.
- At her own bank she would earn €225 in interest.
- At the other bank she would earn €450, but pay €96 for the package over the year.
- So she would be €129 better off, not €225.
The promotion still pays off, but by much less than the percentage suggests. On €5,000, though, the extra interest would be just €75 while the package costs €96, so Maja would actually end up worse off. With smaller amounts, a promotion that requires a paid package often does not pay off.
Run your own numbers in the deposit calculator and check package fees in the bank account comparison. If your money is sitting in an account without interest, the lost interest calculator shows what that costs you.
What happens when the promotion ends
The promotional rate applies to one term. When the deposit matures, the bank often renews it automatically, but at the regular rate, which can be much lower. Note the maturity date and check the best offers before it. A package or standing order does not stop on its own when the deposit ends, so cancel it if you no longer need it. If you would rather not lock your money away again, see the savings account comparison, where the money stays available at any time.
Tax and safety
A promotional deposit is an ordinary bank deposit. It has the same deposit guarantee of up to €100,000 per depositor per bank as a regular one.
Tax works the same way too. Interest on bank deposits is tax-free up to an annual threshold, and above it you have to report it. A higher promotional rate means more interest, so you reach the threshold sooner, especially if your money is spread across several banks. The article on tax on interest explains how reporting works in practice.
Quick check before you sign
- Does the promotion cover your amount and term?
- Do you need to open an account or package, and what does it cost per year?
- Is your money really “new funds” under the bank’s rules?
- When does the promotion end and what happens at maturity?
- After costs, is the extra interest still worth the switch?
If the answer to all five is yes, the promotion is a good choice. All current offers, regular and promotional, are in the deposit comparison, where promotions appear once you tick “Also show promotional / special offers”. For how to choose a deposit in general, read how to choose the best deposit, and for a market overview see deposit comparison 2026.
