Start saving

Start saving sooner rather than later. It makes money sense.

Invest in your future


Your financial well-being matters to us. Our diverse range of options are designed to meet your needs.

Regular savings


Regular saving is still one of the most efficient ways to save money and support financial health. You should think of your savings as a way to buy the things you want without borrowing and as a contingency plan for more difficult times. A savings fund that contains at least two to three times your monthly pay should see you through if the unexpected happens. Savings can also be a great way to lessen the load during life-changing moments such as completing your studies, buying a house, having a baby or retirement. Automatically transferring money to a savings account each month or signing up for a subscription is the most efficient and effective way to save.

Fund subscription

Signing up for a subscription is easy. You can subscribe to the funds of the Icelandic Funds in the online bank. With a subscription, you receive a 50% discount on the cost of the purchase and do not pay the service charge. The minimum amount is ISK 5,000

Sign up for a subscription

Automatic transfer

Automatic transfer means that the money is automatically deposited into your savings account each month. Choose the fixed sum and which account you would like it transferred to. This is the best way to ensure that saving takes care of itself.

Sign up for automatic transfer

Private Pension Plans

You contribute 2-4% of your monthly income to your personal pension and your employer contributes an additional 2% on top of your wage. This is one of the easiest ways to secure a better future.

More on Private Pension Plans

Save the change

Save the change is an easy way to save money. When you shop with your debit card, a sum is transferred into another account of your choice. The round amount can be the ISK 100, 500 or 1,000.

Log into the online bank for further information and registration.

Sign up in the online bank

What are you saving for?


We all have different needs. Saving money means being able to afford the more expensive things in life. You can take that holiday or replace that fridge. You can do anything you like. A money saving mindset helps you to save for those all important milestones and to expect the unexpected. Set money saving goals that cover the long-term and the short-term.

Contingency savings

Expenditure savings

Long-term savings

Save to expect the unexpected

Save for those all-important milestones  

Save for the future

Financial crises

Summer holiday

Property purchase

Grab the opportunity

A new car?

Retirement

Do you need advice?


Choosing the right savings plan means setting up a plan that suits your finances, lifestyle and your objectives. Our advisors can provide you with expert advice on savings accounts and fund subscriptions. Just book an appointment and we will do the rest.

Book an appointment

We offer you to book a telephone call with one of our advisors. If the assistance requires a visit at a branch, we will book a meeting

How can I save a million?


How can you take your first steps towards saving and investing? We can show you what works and how you can achieve your short-term saving goals whilst saving for a property. We can help you choose the best interest options for you and show you how the experts do it.

Asked and answered


Fyrir­varar


Almennur fyrirvari vegna fjárfestinga í sjóðum

Fjárfestingum í fjármálagerningum fylgir ávallt fjárhagsleg áhætta, svo sem hætta á lítilli eða engri ávöxtun eða að höfuðstóll tapist. Ávöxtun í fortíð er hvorki vísbending um né trygging fyrir ávöxtun í framtíð. Áhætta af fjárfestingu eykst ef fjárfestingin er fjármögnuð með lánsfé og ávöxtun getur aukist eða minnkað vegna gengisflökts þegar við á. Skattaleg meðferð ræðst af aðstæðum hvers viðskiptavinar fyrir sig og getur tekið breytingum í framtíðinni.

Fjárfestar eru hvattir til að kynna sér vel lykilupplýsingar og útboðslýsingar sjóða en þar er að finna nánari upplýsingar um viðkomandi sjóð, m.a. um áhættuþætti, fjárfestingarheimildir og notkun afleiðna. Fjárfestingarsjóðir hafa víðtækari fjárfestingarheimildir en verðbréfasjóðir og geta því verið áhættusamari fjárfesting. Upplýsingar um sjóðina eru fengnar frá Íslandssjóðum hf., rekstrarfélagi sjóðanna sem er dótturfélag Íslandsbanka hf.

Up plýsingar á síðunni eru aðeins birtar í upplýsingaskyni og skal ekki líta á þær sem tilboð eða ráðgjöf um kaup, sölu eða aðra ráðstöfun tiltekinna fjármálagerninga. Upplýsingarnar byggja á heimildum sem eru taldar áreiðanlegar en ekki er hægt að ábyrgjast nákvæmni né réttmæti þeirra. Áskilinn er réttur til leiðréttinga.

Gengisþróun og ávöxtun

Tekið er tillit til umsýsluþóknunar við daglegan útreikning á gengi sjóða. Ávöxtun umfram 12 mánuði er reiknuð yfir á ársgrundvöll. Ávöxtun styttri tímabila er ekki umreiknuð á ársgrundvöll heldur er um gengisbreytingu að ræða. Uppreikningur ávöxtunar miðast við síðasta skráða gengi og er í grunnmynt hvers sjóðs.