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Savings account comparison
Checked against the source: Checked: 19 Oct 2026 · 12 banks
How much interest do you get on money you don't lock away? Compare the savings accounts of 12 Slovenian banks and savings banks: the rate for your amount, when you can withdraw, and the conditions. If you won't need the money for a few months, also compare term deposits.
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NLB 0.519% €51.90 a year NLB Varčevalni račun Euribor Access: each deposit after 7 days · Requires an NLB personal account.
- Linked to Euribor: 20% of 6-month Euribor, reset on 1 January and 1 July, valid until 31 December 2026, then reset
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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Primorska hranilnica 0.40% €40.00 a year Varčevanje VEM ZAKAJ Access: each deposit after 31 days · minimum balance €25
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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LON 0.20% €20.00 a year Varčevalni račun Zlata rezerva Access: any time · LON clients only (an active current account).
- rate since 23 September 2026, before 0.50%
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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BKS Bank 0.055% €5.50 a year Varčevalni račun BKS plus s hranilno knjižico Access: each deposit after 15 days · Bank clients only; first deposit at least €100.
- Rate by balance:
- up to €999.99: 0.015%
- €1,000 to €4,999.99: 0.035%
- €5,000 to €14,999.99: 0.055%
- over €15,000: 0.075%
- Deposit guarantee: Austrian scheme (the bank is a branch of BKS Bank AG), up to €100,000
- Rate by balance:
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DBS 0.05% €5.00 a year Hranilni račun Access: any time
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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DBS 0.05% €5.00 a year Zlata knjižica Access: each deposit after 10 days · minimum balance €130
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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Gorenjska banka 0.01% €1.00 a year Varčevalni račun Access: any time · minimum balance €100 · Requires a Gorenjska banka personal account or package.
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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Intesa Sanpaolo Bank 0.01% €1.00 a year withSAVE varčevalni račun Access: any time · For bank clients aged 15+ who use online or mobile banking.
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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OTP banka 0.01% €1.00 a year Varčevalni račun Trojni Plus Access: each deposit after 31 days · minimum balance €50
- Rate by how long each deposit stays (we count the rate for the first year):
- up to 1 year: 0.01%
- 1 to 3 years: 0.05%
- over 3 years: 0.10%
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
- Rate by how long each deposit stays (we count the rate for the first year):
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UniCredit Banka Slovenija 0.01% €1.00 a year Varčevalni račun Access: any time
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
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Sparkasse 0.002% €0.20 a year Varčevalni račun Brihta Access: any time · For children up to 15.
- Rate by balance:
- up to €100: 0.005%
- €101 to €250: 0.01%
- €251 to €500: 0.02%
- €501 to €1,000: 0.05%
- over €1,000: 0.002%
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
- Rate by balance:
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Sparkasse 0.002% €0.20 a year Bonus račun Access: any time
- Rate by balance:
- up to €10,000: 0.002%
- over €10,000: 0.003%
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
- Rate by balance:
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Addiko Bank 0.001% €0.10 a year Addiko varčevalni račun Access: not published · minimum balance €20
- Deposit guarantee: Slovenian scheme (Banka Slovenije), up to €100,000
Without a savings account: Delavska hranilnica - No savings account for individuals; money on the personal account earns 0.00%. (bank rate sheet)
How we calculate: yearly interest is gross, for the amount you enter, with the balance
unchanged all year. Where the rate depends on the balance we use the band your amount falls in; where it
depends on how long each deposit stays on the account we use the first-year rate.
"Each deposit after N days" means every deposit must stay on the account at least that long before you
can withdraw it. Only accounts in the regular offer of banks based or with a branch in Slovenia are included. Neobanks
(Revolut, Trade Republic, N26, bunq) are compared below.
Product names and bank notes are in Slovenian.
Source: the interest-rate sheets and product pages of each bank (linked on every account). We check the
data by hand. More in the methodology.
Foreign online banks (neobanks)
Checked: 6 Oct 2026Revolut, Trade Republic, N26 and bunq are banks from other EU countries that you can open an account with from Slovenia. Their rates are often higher, but some pay them only on a paid plan. So the list is ranked by what is left after a year for the amount you enter below, once the plan fee is paid.
On the right: what is left after one year, interest minus the plan fee.
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bunq €301.00 interest €301.00 · 3.01% new saver no monthly fee · 3.01% up to €100,000
- A new saver's personal threshold is €0, so until the first reset (1 January or 1 July) everything earns 3.01%. After that only the amount above the highest balance of the last 6 months does. Also on the free plan. 3 instant withdrawals a month, interest paid weekly.
- Deposit guarantee: Dutch scheme, up to €100,000
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Trade Republic €300.00 interest €300.00 · 3% new customer no monthly fee · 3% up to €50,000
- Offer for new customers, after which the base rate applies. The rate follows the ECB rate; interest is calculated daily and paid monthly.
- Deposit guarantee: German scheme, up to €100,000
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Trade Republic €250.00 interest €250.00 · 2.5% base rate no monthly fee · 2.5% up to €50,000
- The rate follows the ECB rate; interest is calculated daily and paid monthly.
- Deposit guarantee: German scheme, up to €100,000
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bunq €151.00 interest €151.00 · 1.51% after the threshold reset no monthly fee · 1.51% up to €100,000
- The rate on money already in the account once the personal threshold is reset. New savings above the threshold earn 3.01%.
- Deposit guarantee: Dutch scheme, up to €100,000
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Revolut €118.00 interest €118.00 · 1.18% Standard no monthly fee · 1.18%
- The same rate applies on the Plus plan (€3.99 a month).
- Deposit guarantee: Lithuanian scheme, up to €100,000
- Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
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N26 €30.00 interest €30.00 · 0.3% Standard no monthly fee · 0.3%
- The same rate applies on the Smart plan (€4.90 a month). Interest is paid on the 1st of the month; withdrawn amounts earn none.
- Deposit guarantee: German scheme, up to €100,000
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Revolut €28.12 interest €148.00 · 1.48% Premium plan €9.99 a month · 1.48%
- Plan fee a year: €119.88
- Deposit guarantee: Lithuanian scheme, up to €100,000
- Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
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Revolut −€38.88 interest €177.00 · 1.77% Metal plan €17.99 a month · 1.77%
- Plan fee a year: €215.88
- Deposit guarantee: Lithuanian scheme, up to €100,000
- Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
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N26 −€52.80 interest €150.00 · 1.5% Metal plan €16.90 a month · 1.5%
- Plan fee a year: €202.80
- Deposit guarantee: German scheme, up to €100,000
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N26 −€68.80 interest €50.00 · 0.5% Go plan €9.90 a month · 0.5%
- Plan fee a year: €118.80
- Deposit guarantee: German scheme, up to €100,000
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Revolut −€484.00 interest €236.00 · 2.36% Ultra plan €60.00 a month · 2.36% up to €100,000, above €100,000 1.77%
- Plan fee a year: €720.00
- Deposit guarantee: Lithuanian scheme, up to €100,000
- Revolut withholds Lithuanian tax for non-residents from the interest (in its own example 2.48% gross is 2.10% net). The amounts here are gross.
Amounts are gross, with the balance unchanged all year. Only savings accounts that are bank deposits are
included. Money market funds (Revolut Flexible Cash Funds, the N26 fund) are not deposits and the guarantee
does not cover them, so they are left out. For all four, the scheme of the bank's home country guarantees
up to €100,000 per person.
You must report an account with a foreign bank to FURS within 8 days of opening it (form DR-Račun).
Interest is tax-free up to €1,000 a year, counted together with Slovenian banks. More on the terms, taxes
and catches of each bank in Neobanks in Slovenia.
Frequently asked questions
Frequently asked questions about savings accounts 7
Which savings account pays the most interest?
Currently NLB Varčevalni račun (NLB) at 0.519% a year. Among accounts you can withdraw from at any time, the highest rate is 0.20% (Varčevalni račun Zlata rezerva, LON). At most banks savings accounts pay little, from 0.001% to 0.05%.
What is the difference between a savings account and a term deposit?
Money on a savings account is not locked: you add to it at any time and withdraw it at once or after a few days, depending on the bank. With a term deposit you lock the money for an agreed period and usually get a higher rate, but you cannot take it out early without losing interest. A savings account suits a reserve you may need soon; a deposit suits money you will not need for months or years.
Are savings accounts protected?
Yes. Deposits on savings accounts are guaranteed up to €100,000 per person per bank, together with your other deposits at the same bank. Banks based in Slovenia are covered by the Slovenian deposit guarantee scheme; BKS Bank, a branch of an Austrian bank, is covered by the Austrian scheme for the same amount.
Do neobanks pay more interest on savings?
Often, yes. Among the foreign online banks we compare, for €10,000 and leaving out new-customer offers, the most is currently left with Trade Republic (base rate): €250 a year after the plan fee. At some neobanks the higher rate comes only with a paid plan that can cost more than the interest it brings. Deposits are guaranteed up to €100,000 by the scheme of the bank's home country, and you must report the account to FURS within 8 days.
Do I have to declare the interest?
Interest on bank deposits is subject to Slovenian income tax only if your total from all banks exceeds €1,000 in a year. In that case you file a return by 28 February for the previous year. Banks send a summary of paid interest by the end of January.
Where does the data come from?
From the official interest-rate sheets and product pages of each bank. Only accounts in the regular offer are included. We check the data by hand; the date of the last check is shown next to the title.
Is this comparison financial advice?
No. The comparison is for information only. Banks can change their rates, so check with the bank before opening an account.
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