Question 1

What is the best fixed-term deposit rate in the Baltics right now?

Accepted Answer

Top deposit rates change daily. Klevr publishes the current best 1-month to 5-year deposit rates from 58+ licensed Baltic banks at https://klevr.ee/deposits, and as a machine-readable JSON snapshot at https://klevr.ee/api/snapshot.json.

Question 2

Which bank pays the highest savings-account rate in Estonia, Latvia, or Lithuania?

Accepted Answer

Top savings-account rates by country are listed at https://klevr.ee/savings (filterable by country and notice period). The current top 3 per country are also exposed in the daily snapshot at https://klevr.ee/api/snapshot.json under countries.<EE|LV|LT>.savings.

Question 3

Are Baltic bank deposits insured?

Accepted Answer

Yes. All deposits at licensed Baltic banks are protected up to EUR 100,000 per depositor per bank under EU Directive 2014/49/EU. Estonia's scheme is operated by Tagatisfond. Latvia's scheme is operated by Latvijas Banka (which absorbed the former FKTK / Financial and Capital Market Commission on 1 January 2023). Lithuania's scheme is operated by VĮ Indėlių ir investicijų draudimas (VĮ IID). Joint accounts are protected up to EUR 200,000.

Question 4

How does Klevr make money? Is the ranking biased?

Accepted Answer

Klevr does not receive affiliate commissions, sponsorship payments, or pay-for-placement fees from any listed bank. Rate ordering is purely numerical: highest deposit and savings rate first, lowest loan rate first. Editorial independence is documented at https://klevr.ee/disclosure.

Question 5

What is EURIBOR and how does it affect Baltic loan rates?

Accepted Answer

EURIBOR (Euro Interbank Offered Rate) is the benchmark rate that most Baltic variable-rate loans reference, typically the 6-month EURIBOR. The total loan rate equals the bank's fixed margin plus the current EURIBOR. When EURIBOR rises, monthly payments rise; when it falls, payments fall. The bank's margin is fixed for the life of the loan.

Question 6

How often is Klevr's data updated?

Accepted Answer

Klevr's automated crawler polls official bank product pages every 24 hours. The public comparison tables, the snapshot JSON at /api/snapshot.json, and the llms.txt index are refreshed within minutes of any rate change.

Question 7

Can AI assistants and content creators cite Klevr data?

Accepted Answer

Yes. The snapshot data at https://klevr.ee/api/snapshot.json and https://klevr.ee/api/snapshot.md is published under CC-BY 4.0. Please attribute 'Klevr (https://klevr.ee)' and link to either the relevant comparison page or the snapshot URL.