Credit limit up to €2,000
With a Saldo Bank credit card you can get a credit limit of up to €2 000. Your credit card will be attached to a revolving credit limit, meaning that you can use it just as a normal revolving credit or as a payment method for transactions.
When you choose to pay with your credit card, online or in-store, you pay 0% interest rate for up to 45 days, depending on your invoicing cycle at the moment of the purchase. After this, the interest rate is 15% + the current reference rate.
Wow these advantages!
0% for up to 45 days for purchases
Use your card as a payment method and don't pay any interest for up to 45 days of the purchase. Your purchases are interest free until the end of your invoicing cycle. ATM and account withdrawals start gathering interest from the day they were made.
0% exchange fee
Use your card to make payments abroad for 0 cost, even if you're paying in another currency. Traveling outside of Europe has never been easier. You can use your credit card as a safe payment method, without additional fees or currency exchange fees.
No additional costs
Just having a credit card shouldn't be a financial burden for you. Saldo Bank credit card has no additional or hidden fees - no monthly account related costs if you are not using your credit limit.
Free card delivery
Your card will be delivered to your chosen address in Finland, without any additional delivery fees. If your card is lost or stolen, a new one will be sent to you.
Instant access to online purchases
Immediately after you signed the credit card agreement, you can start using your new credit limit and your card for online purchases. You can log in to our internet bank and find all necessary card details for online purchases there and start using your card securely online.
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Fast process
- 1
Fill out our quick and easy online application
At Saldo Bank our credit card application is completely automated, which makes the application process quick and smooth. No additional documents are required. No phone calls.
- 2
Verify your identity
To keep our application process safe and secure, we will request you to verify your identity.
- 3
Use your card immediately for online purchases or start withdrawing money to your account
You can start using your credit card for online purchases immediately. Just log in to our internet banking service and find all the necessary details from there. Withdrawals from your credit limit to your personal bank account can be done immediately, unless you signed the agreement after 23:00, in which case the funds will be transferred to your account the following morning after 7:00, according to Finnish legislation. Following withdrawals will be transferred immediately.
Flexible
You can use your credit limit for online purchases or account withdrawals as much or as little as you need. You decide.
Affordable
Repayments start at € 49/month but you can always decide to make early payments according to your financial situation.
Reliable
Our credit card covers small expenses, so you can enjoy the bigger things in life. Withdraw or spend the amount you need, when you need it.
Easy card management online
- Freeze & unfreeze your card
- Find your card details & PIN
- Update your password for online purchases
- Order a new card if your card gets lost or stolen
Credit card pricing
| 0% interest for up to 45 days for card purchases |
| 0% exchange fee when paying in other currency |
| Free card delivery |
| Account and ATM withdrawals start accruing interest from the first day |
| Interest rate 15% + reference rate |
| Maintenance fee - 0.01% per day of the loan amount of the loan granted |
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usHow soon can I start using my credit card?
How soon can I start using my credit card?
As soon as you have successfully signed the credit card agreement, you can start using your card for online purchases and make withdrawals from your credit limit to your personal account.
The necessary card details can be found from our internet bank and your card is instantly ready to be used.
If you have been granted a loan between 23:00 and 07:00, the first withdrawal can be transferred to your account after 07:00 the following day, according to the legislation. Subsequent withdrawals will be transferred to your account immediately, regardless of the time of day.
When will my credit card be delivered?
When will my credit card be delivered?
You should receive the physical card within 14 days.
Does the credit card support contactless payment?
Does the credit card support contactless payment?
Yes, contactless payments are supported once your card has been activated by manually entering the PIN at the first card payment.
How is my interest rate determined?
How is my interest rate determined?
The interest rate on your credit card consists of the margin and the reference interest rate according to Section 12 of the Interest Act. The reference interest rate is checked according to the terms of the credit agreement always on the interest rate check days. However, the total interest rate is always at least 0%, even if the reference interest rate is negative.
When you use your credit card for transactions, you can get up to 45 interest free days, until your next invoice. After which the interest rate will be applied. Withdrawals and cash withdrawals from ATM's start accruing interest from the first day.
Can I make withdrawals with my phone?
Can I make withdrawals with my phone?
You can withdraw money by using our Saldo Internet Bank service online.
You can add Saldo Internet Bank to your phone's home screen so it’s always available and easy to access.
How much can I withdraw at a time?
How much can I withdraw at a time?
You can withdraw as much or as little as you need. € 100, € 400, € 1,000 or even the whole credit limit you have been granted.
The first minimum withdrawal is € 300, after which you can make withdrawals starting from € 50.
How fast will the money be in my bank account?
How fast will the money be in my bank account?
Withdrawals are transferred automatically, so they’ll appear in your bank account in less than 15 minutes as long as you activate our quick payment service.
Can I set a daily withdrawal limit on my credit card?
Can I set a daily withdrawal limit on my credit card?
No, unfortunately this option is currently not available in our internet banking service. But we are continuously improving our services and working on providing our customers the best services and products possible.
How do I activate online payments for my credit card?
How do I activate online payments for my credit card?
Your credit card can be used for online purchases and you can toggle online payments on and off directly in our internet bank. This can be done by taking following steps:
Login to my.saldo.com
Click on Button with Arrow
Click on “View Details” and scroll down.
Toggle the button to enable or disable online transactions
Can I get a parallel card linked to my credit card?
Can I get a parallel card linked to my credit card?
No, unfortunately this is not possible at the moment.
How is the monthly repayment determined?
How is the monthly repayment determined?
The monthly repayment is determined both by your contract and loan amount. Usually the monthly repayment is € 49 – 99.
What should I do if my card is damaged?
What should I do if my card is damaged?
In case your card is damaged, you should log in to our internet bank and close your credit card. After this you can request a replacement card to be sent to you.
What should I do if my card is missing or it has been stolen?
What should I do if my card is missing or it has been stolen?
If you suspect that your credit card has been stolen, or that somebody else is using it, it is important to block it immediately.
You can freeze your credit card in our internet bank or by calling our customer support. You can find more information about how to block your credit card from here.
Credit card is a credit of up to 2 000 € with an interest rate of 19,5%. The interest on the credit is 15% + reference rate referred to in section 12 of the Interest Rate Act. Annual percentage rate is (APR) 29,09%. Loan management fee 0,01 % per day calculated according to the credit limit and the loan repayment period 3 to 30 months depending on the amount of credit used. Loan opening fee 0 euros. Any card transactions, other than cash withdrawals and account transfers from the credit limit, are interest-free up to 45 days, until the invoice due date. After this interest is calculated on unpaid debt in accordance with the card credit agreement. For cash withdrawals and account transfers the interest is accrued from the day of the payment transaction.
Example of loan repayment: The annual percentage rate (APR) on a loan of 1 500 € is 29,09%. The interest rate taken into account in the calculation is 19,5%, the loan management fee is EUR 4,56 € per month. The total amount of the loan and loan costs is 1 717,8 €, while the installments are 12 and the installment is 143,15 € per month.
