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About us
Saldo logo
About us

Credit Card

When you wish freedom

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6670 reviews

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.

Apply for a Credit card

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.

Appreciated by many of you

4.65 / 5

6670 reviews

Reviews.io logo
4.65 / 5

6670 reviews

Reviews.io logo
kaunela t

Helppo nopea turvallinen.

3 years ago
kytöneva t

Selkeä ja toimiva Hyvä kaikkiaan

3 years ago
janhonen v

Kaikki toiminu ja selkeät sivut

3 years ago
hirvikallio a

Tämä oli loistavaa palvelua ja sain päätöksen todella nopeasti. Kiitos Yt. Annina Hirvikallio

3 years ago
johanna m

Nopea, mutkaton

10 months ago
arto p

Asiallinen suhtautuminen asiakkaaseen.

10 months ago

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.

Apply for a Credit card
Flexible

You can use your credit limit for online purchases or account withdrawals as much or as little as you need. You decide.