Cash pooling is a specific financial product, which unites account management for several participants in one clearing account with the Bank, allowing efficient liquidity management, significant savings, increased income and smart fund management to clients.
Cash pool is designed for groups of associated entities which have accounts and sub-accounts, e.g. local and regional self-government units (counties, towns, municipalities) or corporate groups with joint ownership etc.
Only regular accounts with sub-accounts, used for payment transactions and to which overdraft applies, may be pooled – unlike deposit and loan accounts.

• a notional sum of all account balances earns a higher deposit interest than that payable by the Bank pays on individual accounts and reduces the need for short-term deposits
• a negative account balance of the accounts using an authorized overdraft is notionally offset by the accounts with a positive balance and the portion used to cover the negative balance is not subject to interest charges to the Bank
• more efficient use of the funds available within the group, with internal interest charges
• favourable fees in payment transactions
• autonomy of each pool participant
• transparent internal interest collection – the Bank generates orders for internal interest collection, debiting them to the account which was in the red and crediting the accounts from which the funds were used to cover it
• simple monitoring of the internal use of funds via a Statement of interest charges.