Estonia Statutory default interest (viivis)
Estonia Statutory default interest (viivis) is 10.4 percent, in force since 1 Jul 2026. Last checked against the official source on 10 Aug 2026.
Estonia's statutory default interest under Võlaõigusseadus § 113(1): the § 94 interest rate — the last ECB main refinancing rate before 1 January or 1 July — plus eight per cent a year, giving 10.40% from 1 July 2026.
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| Current value | 10.4 percent |
|---|---|
| In force from | 2026-07-01 |
| Official source | Võlaõigusseadus § 113 lg 1: 'Viivise määraks loetakse käesoleva seaduse §-s 94 sätestatud intressimäär, millele lisandub kaheksa protsenti aastas'; § 94 lg 1: 'intressimääraks poolaasta kaupa Euroopa Keskpanga põhirefinantseerimisoperatsioonidele kohaldatav viimane intressimäär enne iga aasta 1. jaanuari ja 1. juulit'; Eesti Pank publishes that rate at 2,40% alates 1. juuli 2026 (2,15% alates 1. jaanuar 2026) |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
One rate for money obligations, civil and commercial alike: the § 94 rate of 2.40% plus the eight per cent in § 113(1) = 10.40% per annum from 1 July 2026, up from 10.15% which applied from 1 January 2026. Viivis runs from the day the obligation becomes collectable until proper performance. SNAPSHOT, NOT A LIVE TRACKER: § 94(1) takes the LAST ECB main refinancing rate before 1 January and before 1 July and freezes it for the half-year — the ECB's move to 2.40% on 17 June 2026 fell before the cut-off and so fed into the 1 July fixing, but a move on, say, 20 July would not be picked up until 1 January 2027. There is no rounding in the Estonian rule, unlike the Swedish and Finnish reference rates. Setter: no decree — Eesti Pank simply arranges timely publication of the § 94 rate in Ametlikud Teadaanded (§ 94(2)) and on its own site. TRAP: § 113(1) third sentence — where the contract stipulates a HIGHER rate than the statutory viivis rate, the contractual rate becomes the viivis rate, so a contract term does not merely add a separate claim, it displaces the statutory figure. § 94(1) itself applies only 'unless otherwise provided by law or contract'. Commercial invoices: Estonia implements the EU Late Payment Directive inside the same § 113, so the PERCENTAGE is identical, but the commercial regime adds the € 40 statutory compensation for recovery costs and restricts agreements that exclude or reduce the rate — that regime is served in our late-payment-interest product. NEXT FIXING: 1 January 2027, on the last ECB main refinancing rate before that date. Retrieval note: riigiteataja.ee serves its statute text through a Cloudflare-challenged client-side loader and returns an empty shell to automated fetchers.
Get it programmatically
curl https://euroref.dev/v1/ee/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://euroref.dev/v1/ee/statutory-interest/history?from=2020-01-01
# Provenance: curl https://euroref.dev/provenance/ee/statutory-interestOther Estonia series: Policy interest rate · Value added tax (kaibemaks) · VAT registration threshold · National minimum wage · Public holidays · Consumer price index (annual inflation) · Corporate income tax (distributed-profit model) · Withholding tax rates · Personal income tax · Statutory social-insurance contributions · ECB main refinancing operations rate (fixed rate) · Late-payment interest (EU Late Payment Directive)
The same figure elsewhere: Finland · France · Germany · Greece · Hungary · all 34