SME Bank products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by SME Bank
3.80%
Annual fee
Free
Cashback
No
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

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
Fixed deposits offered by SME Bank
Loans offered by SME Bank
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Bank identifiers
BIC number
USDFLT22
Name
SME Bank
Country
Lithuania