Premium savings accounts reward larger balances with a higher interest rate than an ordinary savings account, usually in return for maintaining a higher minimum balance. They suit savers who keep a substantial cushion liquid rather than locking it into a fixed deposit.
The premium tier, the qualifying balance and the rate all vary widely between banks. The table below ranks every bank publishing a premium savings rate, highest first, so you can compare the reward for keeping a larger balance in one place.
Best Premium Savings Account Rates in Nepal — Bank Comparison
4 Banks| # | Bank | Savings Rate | Action |
|---|---|---|---|
| 1 |
SIDE
Siddhartha BankHighest
|
3.05% | |
| 2 |
LSB
Laxmi Sunrise Bank
|
3.00% | |
| 3 |
EBL
Everest Bank
|
2.80% | |
| 4 |
NBL
Nepal Bank Limited
|
2.76% |
What is a premium savings account in Nepal?
A premium savings account is a higher-tier savings product that pays more interest than an ordinary savings account, typically in exchange for maintaining a higher minimum balance. Features and thresholds differ by bank.
Is a premium savings rate higher than a normal savings rate?
Generally yes — that is the point of the product. The premium over an ordinary savings account varies by bank and by the balance tier you maintain, which is why comparing across banks is worthwhile.
Do I need a minimum balance for a premium savings account?
Usually yes. Premium tiers require a higher minimum balance than ordinary savings, and the rate may step up with the balance held. Check the specific bank's threshold before opening one.
What does the ✓ Verified badge mean?
It means the rate was confirmed directly by the bank through Byajdar's partner portal rather than scraped from public sources. Verified rates always override scraped data for that bank and product.