As a thank you for saving with us over the past four years, we have two great offers to share, starting from 13:00pm (EET) on 28th October until 11:59pm (EET) on 3rd November.
Here's how both birthday offers work:
The 12-Month Birthday Vault
Open a 12-month Birthday Vault with a starting rate of 10% APY. Your rate increases with each amount you add to the Vault, up to 11% APY.
Add a minimum of ā¬25,000 to the Vault to unlock the top rate of 11% APY.
You'll have 30 days to add funds, rather than the standard 10 days.
Whatever your rate is at the end of the 30 days, youāll earn it throughout the full term.
For example:
You open your Vault with ā¬100 and earn 10% APY.
You add ā¬10,000, bringing your balance to ā¬10,100, and now earn 10.41% APY.
You add another ā¬10,000, bringing your balance to ā¬20,100, and now earn 10.80% APY.
You add ā¬5,000, bringing your balance to ā¬25,100, and now earn the full 11% APY.
Good to know:
You can open only one Birthday Vault.
The Vault must be opened between 28th October and 3rd November 2026.
As this is a promotional Vault, it doesn't offer Monthly Payouts or auto-renewal. At maturity, your capital and returns go back to your Main Account.
Standard early closure terms apply.
Birthday Referrals
Invite friends to SmartSaver during the campaign and your bonus grows with every friend who joins, up to four friends. Each friend you refer gets ā¬25 too.
Referrals | Your Bonus | Your Friend's Bonus |
1st Referral | ā¬25 | ā¬25 |
2nd Referral | ā¬50 | ā¬25 |
3rd Referral | ā¬75 | ā¬25 |
4th Referral | ā¬100 | ā¬25 |
To qualify, your friend needs to:
Sign up with your referral link between 28th October and 3rd November 2026.
Verify their account and add at least ā¬100.
Keep these funds in their account for at least 90 days.
From your 5th successful referral onwards, your gift is already complete, but every new guest still gets ā¬25
You'll find your referral link on the Refer a Friend page in your account.