October was much calmer than September. The ECB left interest rates unchanged on 29 October, and banks made only small changes to their price lists. In short:
- Deposits: Intesa Sanpaolo Bank and Primorska hranilnica Vipava raised their 12-month deposit to 1.70%. BKS Bank still has the highest regular rate at 2.50%.
- Fixed-rate mortgages: slightly more expensive at two banks, by 0.10 to 0.20 percentage points. The lowest 20-year fixed rate is now at UniCredit Banka Slovenija, 3.55%.
- Variable-rate mortgages: 6-month EURIBOR fell from around 3.10% to around 2.96% during October, so they got slightly cheaper at banks that use the daily EURIBOR.
- The gap between banks on a €150,000 mortgage over 20 years is still more than €14,000.
The figures are for new contracts. Offers change, so check the current ones in the deposit comparison, mortgage comparison and consumer loan comparison. Last month’s review is in interest rates October 2026.
Deposits: Intesa and Primorska hranilnica pay more
Below is the highest regular rate for a 12-month deposit at each bank, without promotional offers, as it applies in a branch.
| Bank | 1 Oct 2026 | 1 Nov 2026 |
|---|---|---|
| BKS Bank | 2.50% | 2.50% |
| Addiko Bank | 1.70% | 1.70% |
| Intesa Sanpaolo Bank | 1.40% | 1.70% |
| Primorska hranilnica Vipava | 1.60% | 1.70% |
| OTP banka | 1.50% | 1.50% |
| LON | 1.45% | 1.45% |
| Delavska hranilnica | 1.30% | 1.30% |
| DBS | 1.20% | 1.20% |
| Sparkasse | 1.10% | 1.10% |
| UniCredit Banka Slovenija | 1.10% | 1.10% |
| Gorenjska banka | 0.90% | 0.90% |
| NLB | 0.70% | 0.70% |
Intesa Sanpaolo Bank raised its 12-month deposit from 1.40% to 1.70% in early October, and Primorska hranilnica Vipava from 1.60% to 1.70% with its price list of 12 October. Regular 12-month rates did not change at the other banks. The LON figures are as of 22 October, because the bank has not yet published a new deposit price list after relaunching its website.
The average across 12 banks rose from 1.37% to 1.40%. Three banks pay more if you open the deposit online: UniCredit Banka Slovenija 1.50%, Sparkasse 1.20% and NLB 0.90% in NLB Klik. On €10,000 for one year you get €250 of interest at BKS Bank, €90 at Gorenjska banka, and €90 at NLB in NLB Klik or €70 in a branch. You can work out your own amount with the deposit calculator, and what to look for is explained in the article on the best deposit. Deposits up to €100,000 are guaranteed at all these banks. BKS Bank is a branch of an Austrian bank, so its deposits are covered by the Austrian deposit guarantee scheme. More on this in the article on the deposit guarantee.
Mortgages: fixed slightly up, variable slightly down
We compare the lowest regular rate for a 20-year mortgage with a loan-to-value ratio of up to 80%, for a customer whose salary is paid into an account at the bank.
| Bank | Fixed 1 Oct | Fixed 1 Nov |
|---|---|---|
| UniCredit Banka Slovenija | 3.55% | 3.55% |
| Gorenjska banka | 3.60% | 3.60% |
| Intesa Sanpaolo Bank | 3.45% | 3.65% |
| OTP banka | 3.80% | 3.70%* |
| NLB | 3.80% | 3.80% |
| LON | 4.10% | 3.90%* |
| Sparkasse | 3.90%** | 3.90% |
| Delavska hranilnica | 4.40% | 4.50% |
* Rate for package holders (OTP Banka na delu, LON Premium), which we have included in the comparison since late October. The basic fixed rate at both banks is the same as in October: 3.80% at OTP and 4.10% at LON. At NLB and Delavska hranilnica the lowest rate requires life insurance. Delavska hranilnica charges 1 percentage point more when the loan is above 75% of the property value; up to 75% its fixed rate is 3.50%.
** On 1 October our comparison showed 3.80% for Sparkasse because of an error in our data collection. The correct 20-year rate was already 3.90% then; we fixed the error on 23 October.
Fixed rates went up at two banks. Intesa Sanpaolo Bank raised its rate from 3.45% to 3.65% in early October, and Delavska hranilnica by 0.10 percentage points on 19 October. The cheapest is now UniCredit Banka Slovenija at 3.55%, and the average across the eight banks with a 20-year fixed offer is 3.83%. Intesa Sanpaolo Bank offers a special loan at 3.45% for first-time buyers under 38 with an income of up to 1.5 times the average wage. Most buyers cannot get it, so we leave it out of this comparison.
A variable rate is EURIBOR plus the bank’s margin. No bank changed its margin in October. EURIBOR did change: the daily 6-month EURIBOR that banks publish themselves was around 3.10% on 1 October and around 2.96% at the end of October. Banks that use the daily value therefore lowered their rates by about 0.14 percentage points.
| Bank | Variable 1 Oct | Variable 1 Nov |
|---|---|---|
| UniCredit Banka Slovenija | 4.27% | 3.84% |
| LON | 4.02% | 3.86%* |
| OTP banka | 3.87% | 3.87% |
| BKS Bank | 3.80% | 3.88% |
| Intesa Sanpaolo Bank | 3.76% | 4.10% |
| NLB | 4.40% | 4.26% |
| Sparkasse | 4.35% | 4.35% |
| DBS | 4.37% | 4.41% |
| Primorska hranilnica Vipava | 4.37% | 4.52% |
| Gorenjska banka | 4.70% | 4.56% |
| Delavska hranilnica | 5.02% | 5.06% |
* LON Premium, margin 0.20 percentage points below the basic one. LON’s basic variable rate is 4.06%.
Most of the changes in the table come from EURIBOR, not from the banks. NLB and Gorenjska banka are lower because of the lower EURIBOR; their margins stayed at 1.30% and 1.60%. UniCredit Banka Slovenija’s calculator used a reference rate of 3.07% on 1 October and 2.64% now, while its margin of 1.20% is the same. For Primorska hranilnica Vipava we now use the EURIBOR the bank publishes itself (3.074%), so its rate is higher with the same margin of 1.45%. BKS Bank rounds EURIBOR up to the nearest eighth of a percentage point, so its rate moves in steps. Intesa Sanpaolo Bank updates EURIBOR once a month: on 1 October it used the value of 1 September (2.76%), now the value of 1 October (3.10%), so its rate is higher with the same margin of 1.00%.
The average across 11 banks (Addiko Bank does not offer mortgages) fell from 4.27% to 4.25%. At most banks the fixed rate is still lower than the variable one. You can check your instalment with the loan calculator, and what is happening with EURIBOR is explained in the article on EURIBOR in 2026.
Consumer loans: OTP costs more
For a 5-year fixed-rate consumer loan, only OTP banka changed its rate. From 1 November it raised all classes of its Kredit Naprej by 0.15 percentage points, to 6.20% for 5 years (6.00% with the Premium package). The cheapest is still Primorska hranilnica Vipava at 4.40%, followed by Delavska hranilnica at 4.80% and LON at 4.90%. The average across 12 banks is 5.33% (5.32% in October).
Seven banks offer variable-rate consumer loans. The lowest rate is at DBS, 5.46%, the highest at Intesa Sanpaolo Bank, 7.10%. The average is 6.33% (6.35% in October). For a consumer loan a fixed rate is usually the better choice. Because banks also differ in approval and administration fees, compare the annual percentage rate (APR) in the consumer loan comparison or work it out with the APR calculator.
The gap between banks this month
How much does it cost to pick the most expensive bank instead of the cheapest? The calculation counts every cost the banks publish: interest, approval fee, valuation, loan administration and account fees.
- €150,000 mortgage over 20 years, fixed rate: the gap between the cheapest and the most expensive bank is €14,156, about €60 a month. The same as in our October study.
- The same loan at a variable rate: the gap is €12,560, because bank margins range from 0.875% to 1.60%.
- €10,000 deposit for 12 months: the best bank pays €250 of interest, the worst €90. That is a €160 difference, or 2.8 times as much.
- more than at the cheapest bank
Total cost over 20 years (interest, approval, valuation, loan administration and account fees) · LTV 75%, existing customer, regular offers without compulsory life insurance · price lists 1 Nov 2026
The comparison is for the standard offers in the banks’ price lists. A bank may offer you different terms depending on your income, insurance and negotiation. We left out offers that require life insurance (banks do not publish the premiums), promotional offers and loans limited by age or income. The calculation is for a loan of up to 75% of the property value, so some rates differ from the tables above: Delavska hranilnica is at 3.60% and NLB without life insurance at 4.30%. Variable rates are calculated with the same EURIBOR for all banks (September monthly average, 2.92%) plus each bank’s margin.
What it means for you
- If you have savings in a deposit, check what you will get when it renews. At the same bank, the online rate is sometimes higher than in a branch.
- If you are looking for a mortgage, compare fixed and variable offers at several banks. For a variable rate, compare the margin above all, because it applies until the end of the loan.
- If you already have a variable-rate loan that resets every 6 months, EURIBOR at the next reset will probably be higher than six months ago (the May monthly average was 2.54%), so your instalment will go up. On a €150,000 loan over 20 years that is about €30 a month more.
How we collected the data
FinPortal.si collects interest rates every day from the official price lists and websites of 12 Slovenian banks and savings banks. For this review we compared 1 October and 1 November 2026. Each bank is represented by its lowest regular rate for the same scenario, without promotional offers and without loans limited by age or income. The details are on the methodology page.
We publish this review every month. This article is for information only and is not financial advice. Rates can change, so check the bank’s current offer before you decide.
