Pricing
Consumer prices
Personal pricing
We always give our customers a personal loan offer, which means you find your pricing by filling in the application.
The situation of every customer is different, which means individual pricing ensures that the loan is suitable for every customer’s financial situation. There are never hidden costs in our loans. You can find all the loan specific costs and fees in our pricing list.
Revolving credit
Interest rates and fees
| Service | Price |
|---|---|
| Marginal interest rate | 15 % |
| Reference rate | 2.5 % |
| Nominal yearly interest rate | 17.5 % |
| Annual percentage rate (APR) | 26.61 - 26.63 % |
| Loan handling fee | 0.01 % / day and a maximum of € 150.00 / year |
| Payment reminder | € 5.00 |
Credit Card
Interest rates and fees
| Service | Price |
|---|---|
| Marginal interest rate | 15 % |
| Reference rate | 2.5 % |
| Nominal yearly interest rate | 17.5 % |
| Annual percentage rate (APR) | 26.61 - 26.63 |
| Loan handling fee | 0.01 % / day and a maximum of € 150,00 / year |
| Payment reminder | € 5.00 |
| ATM Fees | Fees may be applied by the ATM operator. The price list does not apply to these fees. |
| Currency exchange | Standard Visa exchange rates apply for currency conversions. Saldo Bank does not add any exchange fees or margins to the transaction.* |
*You check currency exchange rates with the currency converter
Consumer loan
Interest rates and fees
| Service | Price |
|---|---|
| Marginal interest rate | 9.9–15 % |
| Reference rate | 2.5 % |
| Nominal yearly interest rate | 12.4- 17.5 % |
| Annual percentage rate (APR) | 15.75 - 26.9 % |
| Loan handling fee | 0.01 % / day and a maximum of € 150.00 / year |
| Payment reminder | € 5.00 |
Other services
Additional services
| Service | Price |
|---|---|
| Defer all repayment for a month | € 5,00 |
| Skip a monthly repayment (but not interest or fee) | € 5,00 |
Other services
| Service | Price |
|---|---|
| First certificate of interest rate and loan amount requested by the customer | € 0,00 |
| Subsequent certificates of interest rate and loan amount requested by the customer | minimum € 35,00 or € 70,00 / hour / certificate |
| Acquisition of customer contact details | € 15,00 |
| Report requested by customer | minimum € 35,00 or € 70,00 / hour (No fee is charged for common customary customer service related to the credit relationship.) |
| Returning overpayments made | € 10,00 |
| Resolvement of payments made without a reference | € 10,00 |
| Modification or termination of contract | € 0.00 |
| Early loan repayment fee | € 0.00 |