Benefits
Get More Back from Every Purchase
As a Saldo Bank Credit Card customer, you unlock exclusive benefits designed to make your money go further. Start earning with our latest perk. You can now get up to 7% direct discount from our partner stores.
Now up to 7% direct discount on Gift Cards
Why pay full price? Buy digital gift cards for your favorite stores directly in the Saldo Bank app and receive up to 7% of the value back instantly.
We have a wide selection of gift cards available from over 30 partner stores, including Zalando, Wolt, Motonet and Tjäreborg. Have a look at the offers in our app or log in to our internet bank!
Purchasing gift cards requires you to have a Saldo Bank credit card. However, getting the discount does not require you to use your card's credit facility. If you wish, you can pay off the used credit immediately after making the payment.
If you pay off the credit within the billing cycle, no fees or interest will be incurred from using the credit. Excessive use of credit can lead to payment difficulties and over-indebtedness. We encourage responsible financial management.
Don't have a Saldo Bank credit card? Apply for a credit card to get started.
Flexible
You can browse our selection of gift cards and choose the offers that suits you best. You will get the discount immediately at the payment stage and can use the gift card straight away.
Save up to 7%
The direct discount offered depends on the partner in question and the value of the gift card, but you are guaranteed an average discount of 3%.
In app
Gift cards are easily purchased right from our Saldo Bank app. Within the app you can browse all available gift cards and find your previously purchased gift cards.
Top selection of gift cards, right from your app
Shop your favorite brands and get rewarded instantly. Whether it’s groceries, fashion, or electronics, buying gift cards through the Saldo app puts money back in your pocket.
- Up to 7% direct discount per card
- Exclusively in the Saldo Bank App
- For all active Saldo Credit Card holders
- Instant digital delivery
How to earn direct discount
Earning direct discount by purchasing gift cards with your Saldo Bank Credit Card is easy and effortless. All you need to do is have a credit card from Saldo and the App installed on your phone or tablet.
How to get the discount:
Open the App on your phone and choose the credit card you want to make the purchase with
Tap on Explore Gift Cards to get to the list of available gift cards
Browse through gift cards from the Explore tab and find your previously purchased gift cards from the Gift Cards tab
Choose your gift card, select the value and proceed to payment
Enjoy your discount - the promised discount will automatically be reduced from the gift card price at payment
Use your gift card in applied shops or online stores. You can either use the shown barcode or the gift card information that you can find from the Saldo Bank App.
More benefits on the way
We are continuously working on improving our benefits, to be able to offer our customers more perks and discounts.
Because our relationship with you doesn't end when your card or your application is approved; that’s just where it begins. By partnering with your favorite brands and building smart features into our app, we aim to:
Maximize your purchasing power: Helping you get more value out of every Euro spent.
Reward Loyalty: Providing tangible "thank yous" to our community of customers.
Simplify Savings: Making it effortless to save money through the apps and services you already use every day.
Have a question? We answered most of them already.
Cannot find an answer to your question?
Contact usCheck the App for the latest list of partners offering discounted gift cards.
We currently have 31 partners, including:
Motonet
Adidas
Partioaitta
Suomalainen kirjakauppa
Tokmanni
Makia
Mango
Tjäreborg
Vero Moda
Name It
JYSK
Ellos
XXL Sport & Outdoors
Zalando
Apple
Dressman
Ellos
Wolt
Clas Ohlson
No. While you must use the Saldo Bank credit card to make the purchase, you are not required to use the card's credit facility to receive the discount.
If you wish, you can pay off the used credit immediately after making the payment. If you pay off the credit within the billing cycle, no fees or interest will be incurred from using the credit.
Yes, purchasing a gift card requires you to have a Saldo Bank credit card.
You can view all of your previously purchased gift cards by navigating to the Gift Cards tab within the App.
You can use your gift card at participating physical shops or online stores.
In-store: Show the barcode provided in the App at the register.
Online: Use the gift card details that can be found from the App