Savings Bonds in Latvia Reach €370 Million in 2025

Savings Bonds in Latvia in 2025: Growth, Trust, and New Opportunities

In Latvia, savings bonds worth €323 million were issued last year, while €274 million were redeemed, according to the annual report of the State Treasury.

The total value of savings bonds held by Latvian residents reached €370 million by the end of 2025, increasing by approximately €48 million over the year. The number of investors approached 7,900.

Stable Demand and Investor Confidence

The State Treasury notes that demand for savings bonds remained stable in 2025, reflecting strong investor confidence in this instrument. More than 60% of the redeemed bonds were reinvested.

Automatic Reinvestment – A Simple Solution

Investors have активно used the automatic reinvestment option available on the savings bonds platform. This feature allows funds to be automatically reinvested into new bonds at maturity based on the selected term, without additional actions.

no manual actions required
continuous investment process
simple and convenient solution

Why Are Savings Bonds Becoming More Popular?

The State Treasury explains that interest is driven by several key factors:

market-aligned interest rates
fixed income exempt from personal income tax
state-guaranteed security
easy online purchase

Savings bonds are considered one of the safest investment instruments in Latvia.

New Terms and Growing Popularity

In 2025, the offering was expanded with new terms:

2 years (since June)
3 months (since November)

Three-month bonds quickly became popular — during the last two months of the year, they were purchased for a total of €22.5 million.

What Are Savings Bonds?

Savings bonds are government securities with a fixed interest rate, issued by the State Treasury since 2013.

They can be purchased at any time:
www.krajobligacijas.lv

Available terms:

3, 6 and 12 months
2, 3, 5, 7 and 10 years

Interest earned on savings bonds is not subject to personal income tax.