Inbank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Inbank is a fixed term deposit from AS Inbank in Estonia, suited to savers who can leave money untouched for a chosen term. The monthly fee is €0 and the minimum deposit runs €500 to €300,000, above the site median of €0.11.
Key facts
- Best for
- Savers with a lump sum who want a fixed rate and no monthly charge.
- Rate type
- Fixed↗
- Term
- 3 to 60 months↗
- Minimum deposit
- €500 to €300,000↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- No withdrawals or top-ups during the deposit term; 14-day withdrawal right, then early closure only on application↗
- Monthly fee
- €0↗
- Account kind
- Fixed↗
- Legal entity
- AS Inbank↗
- Headquarters
- Estonia↗
- Founded
- 2010↗
- Support channels
- Email, Phone↗
- Pricing model
- Fixed rate, No monthly fee
- Official website
- inbank.ee
Facts checked September 26, 2026, 3 sources
Apps and profiles
Pros and cons
Pros
- The monthly fee is €0 and the model is a no monthly fee account under fixed rate and no monthly fee.
- The rate type is fixed, so the rate is set at the start of the term.
- Deposits sit under EU DGS protection of EU DGS up to EUR 100,000.
- Term lengths run 3 to 60, so the commitment can be kept short or long.
Cons
- The access terms withdrawal right is short lived, after which early closure is at the bank's discretion.
- Chat is not among its support channels (email and phone).
Who it suits
- Savers in Estonia who can leave a lump sum untouched for the full term
- Anyone who wants a fixed rate and no recurring monthly charge
- People who value deposit protection and can meet the €500 to €300,000 entry level
Who should look elsewhere
- Savers who need to withdraw money during the term, since access terms allow no withdrawals or top ups
- Readers who want a variable balance that can move freely, such as XTB with a rate type of variable
- People who prefer chat support, as chat is not among its support channels (email and phone)
Deposit protection
Deposits are covered by EU DGS protection of EU DGS up to EUR 100,000, so the balance sits under a recognised scheme rather than with an unprotected provider. The account is run by AS Inbank, based in Estonia and working under the supervision of Eesti Pank, the regulator named on the licence record for Estonia. Protection sits alongside a fixed account kind (fixed), while easy access accounts are far more common in the savings category.
How Inbank compares
8.7 vs 8.6
8.7 vs 9.5
8.7 vs 8.0
8.7 vs 8.9Its rate type is variable, offering a different structure from this fixed term deposit.
8.7 vs 8.9
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.9
8.7 vs 8.7- 8.7 vs 8.0
8.7 vs 9.0
8.7 vs 8.1
8.7 vs 8.7
8.7 vs 8.0
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.0
8.7 vs 8.7
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.3
8.7 vs 9.0
Where Inbank is available
- Available
- Estonia
- Licence in Estonia
- Eesti Pank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Inbank charge each month?+
The monthly fee is €0, and the account sits in a no monthly fee model under fixed rate and no monthly fee. That matches the site median of €0, so there is no recurring cost to set against the interest earned.
How much do I need to open a fixed term deposit at Inbank?+
The minimum deposit runs €500 to €300,000, a higher entry level than the savings category median of €0.11. On minimum deposit Inbank ranks 330 among 370 brands compared.
How long must I leave my money in the account?+
The term runs 3 to 60, covering short and long commitments. The rate type is fixed, so the rate is fixed for the whole term rather than moving with the market.
Can I withdraw cash before the term ends?+
Access terms allow no withdrawals or top ups during the deposit term. There is a short withdrawal right, and after that early closure is handled only on application, so treat the money as committed.
Is my money protected at Inbank?+
Deposits are covered by EU DGS protection of EU DGS up to EUR 100,000. The account is operated by AS Inbank in Estonia, supervised by Eesti Pank as the regulator listed for Estonia.
Who does Inbank suit?+
It suits savers who can leave a lump sum untouched for the term and want a fixed rate with no monthly charge. Business audiences at 56.5% and students at 21.6% are among the most common groups for savings products.
How do I get help from Inbank?+
Support runs on email and phone. Email support is common in this category, appearing for 74% of brands, while chat support appears for only 40%.
What kind of account is this?+
The account kind is fixed, so this is a fixed term deposit rather than an easy access account. Fixed accounts account for 17.2% of the savings category, while easy access accounts make up 76.7%.
Sources
- inbank.ee/hinnakiri checked September 26, 2026
Backs: Monthly fee
“Deposit opening: free; Monthly fee for using a customer account: free”
- inbank.ee/hoius checked September 26, 2026
Backs: Access terms, Account kind, Headquarters, Legal entity, Minimum deposit, Pricing model, Rate type, Support channels, Term
“During the deposit period, money cannot be withdrawn from the deposit or added to it”
- inbank.ee/meist checked September 26, 2026
Backs: Deposit protection, Founded, Licences
“Inbank was founded in 2010 in Tallinn by former banking executives Jan Andresoo and Priit Poldoja”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate.