SME Bank products, services and reviews

Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by SME Bank

Special offer
Protected up to €100K
Free maintenance
Up to

3.80%

Annual fee

Free

Cashback

No

Interest rates up to 3.80%

Open and manage directly on PickTheBank Platform

Terms from 3 months to 5 years

Annual interest payments

Protected by Deposit Guarantee System up to 100.000 EUR

bank743743LT

SME Bank

4.1

Lithuania

Credit ratings

Deposit Guarantee Scheme (DGS)

Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered

S&P

-

Moody’s

-

Fitch

-

About SME Bank

SME Bank is a label used by several institutions that specialize in serving small and medium-sized enterprises, and the exact structure and mandate differ by country; in some markets it operates as a state-backed development finance institution, while in others it holds a full commercial banking license. Across jurisdictions, the core offering centers on business lending—working capital lines, term loans for equipment or expansion, trade finance, and invoice financing or factoring—often alongside business current accounts, domestic and cross-border payments, and corporate cards. Pricing is risk-based, collateral is frequently required, and in certain countries loans may be supported by government guarantee schemes. Onboarding for accounts and credit is increasingly digital but documentation requirements remain extensive, typically including KYC/KYB records, financial statements, tax filings, and collateral evidence. Common business banking features include online banking with batch payments and payroll, file or API integrations with accounting systems, and foreign exchange services where supported; service models range from branch-light platforms to relationship-manager coverage for larger exposures. Regulatory supervision, deposit protection and disclosure standards vary by jurisdiction, so businesses should verify licensing status and the applicable deposit guarantee framework before placing funds. Public reporting typically covers capital adequacy and asset quality, with performance tied to SME credit cycles and sector concentrations. Fees usually include account maintenance, transfer charges, card issuance, FX margins, and loan-related charges such as processing, legal, security documentation, and early repayment fees. Suitability depends on the specific national entity, product availability, pricing, and how its risk appetite aligns with the company’s size, cash flow profile, and collateral position.

SME Bank Deposit guarantee scheme participation

SME Bank participates in the deposit guarantee scheme of Lithuania which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

SME Bank Countries of operations

SME Bank offers their savings products in Lithuania

Products offered by SME Bank and interest rates

SME Bank offers 8 deposits and 0 savings accounts in EUR.

SME Bank offers the following fixed deposits in EUR in Lithuania: 3 months deposit - 2.3%; 6 months deposit - 2.3%; 12 months deposit - 2.5%; 24 months deposit - 2%; 36 months deposit - 2%.

Best interest rates in Lithuania

12 mths Fixed deposits

3.3%

USD

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24 mths Fixed deposits

2.25%

EUR

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36 mths Fixed deposits

2.25%

EUR

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Fixed deposits offered by SME Bank

Sales region:

0

Loans offered by SME Bank

There are no products yet

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0

Contacts

Address

A. Tumėno 4-15, LT-01109, Vilnius

Phone number

+370 601 88888

Website

smebank.lt

Bank identifiers

BIC number

USDFLT22

Name

SME Bank

Country

Lithuania