€50 Welcome Bonus — Promotion Terms and Conditions

Version 2.1 · Effective 15 September 2026

In short: open your first fixed-term deposit of €20,000 or more through PickTheBank between 15 September and 15 November 2026, fund it by 15 December 2026 — and we will send €50 to your account within 30 days. The full terms below are the same terms you accept together with your deposit application.

1. Promoter

1.1 The promotion is organised by Pick Savings Navigator LTD, Cyprus, operating the PickTheBank platform at pickthebank.eu (“PickTheBank”, “we”). The bonus is paid by PickTheBank and not by the bank holding your deposit. The bank is not a party to this promotion, and the bonus does not form part of the interest rate or of your deposit agreement with the bank.

2. Promotion period

2.1 The promotion runs from 15 September 2026, 00:00 CET to 15 November 2026, 23:59 CET (“Promotion Period”). A deposit application must be submitted through the PickTheBank platform, and these terms accepted together with it, within the Promotion Period.

2.2 PickTheBank may extend, shorten or end the promotion early at any time. Applications submitted before such change remain eligible.

3. Who can participate

3.1 Natural persons aged 18 or over, resident in a country supported by the PickTheBank platform, who have not previously opened a deposit through the PickTheBank platform (“New Customer”).

3.2 The bonus applies to fixed-term deposits offered on the PickTheBank platform by partner banks (currently Lidion Bank plc, Malta), in any currency and for any term listed, with a minimum deposit of EUR 20,000 (or the minimum amount shown for USD/GBP deposits).

3.3 Employees of PickTheBank and of partner banks, and their immediate family members, are excluded.

4. How to qualify

4.1 To receive the bonus, the customer must: (a) register on the PickTheBank platform and complete identity verification; (b) submit a deposit application within the Promotion Period and accept these terms together with the application; (c) be accepted by the bank; and (d) fund the deposit with at least the minimum amount from a bank account held in their own name no later than 15 December 2026 (“Funding Deadline”).

4.2 A deposit qualifies when the partner bank confirms to PickTheBank that it has been funded and activated.

5. Bonus amount and payment

5.1 The bonus is a one-off payment of EUR 50 (fifty euro) per customer, regardless of the number, amount, currency or term of deposits opened.

5.2 The bonus is transferred within 30 calendar days after the bank confirms the qualifying deposit, to the bank account from which the deposit was funded (or another account in the customer's own name specified in their PickTheBank profile). Payments are made in EUR; fees of the receiving bank and any currency conversion costs are borne by the customer.

5.3 The bonus cannot be exchanged, transferred or paid in any other form.

6. Effective rate disclosure

6.1 Where PickTheBank shows an “effective rate incl. bonus”, it is an illustrative figure calculated as: nominal interest rate + (EUR 50 ÷ EUR 20,000) × (12 ÷ deposit term in months), i.e. for a deposit of exactly EUR 20,000, without compounding, before tax. For larger deposits the effect of the bonus is proportionally smaller. The interest paid by the bank is always the nominal rate stated in the deposit agreement.

7. Exclusions and clawback

7.1 No bonus is paid if the application is rejected by the bank, the deposit is not funded by the Funding Deadline, the deposit is funded below the minimum amount, or the customer withdraws the application.

7.2 If a deposit is terminated early (where the bank allows it) within 3 months of funding, or is cancelled under a statutory right of withdrawal, PickTheBank may reclaim the bonus or set it off against future bonuses.

7.3 PickTheBank may refuse or reclaim a bonus in case of fraud, misuse, multiple accounts or provision of false information.

8. Tax

8.1 The bonus may be subject to income tax in the customer's country of residence. The customer is responsible for declaring it; PickTheBank does not withhold tax and does not provide tax advice.

9. Data protection

9.1 Personal data is processed in accordance with the PickTheBank Privacy Policy (pickthebank.eu/legal/privacy-policy/). To pay the bonus, PickTheBank processes the bank account details provided by the customer and the deposit confirmation received from the partner bank.

10. General

10.1 These terms supplement the PickTheBank Terms of Use; in case of conflict, these terms prevail for the promotion. Cyprus law applies. Questions: info@pickthebank.eu.

10.2 The customer accepts these terms electronically together with the deposit application on the PickTheBank platform; no separate signature is required. The accepted version is attached to the application and stored in the customer's PickTheBank profile.