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When it really matters

Saldo Bank is a responsible lender that invests in the advancement of its own financial technology with the help of innovative and multidisciplinary staff.

We create automated financing solutions that quickly meet the everyday needs of our customers.

Saldo Bank has more than a decade of experience in the financial sector. Over the past ten years, the company has expanded its product range and operational footprint. Saldo Bank provides financial services to consumers and SMEs in Lithuania and Finland. The company's own advanced loan system ensures responsible lending and supports business growth internationally.

Founded in




Satisfied clients



Lithuania, Finland & Sweden

Saldo Bank Financial services

Saldo's automated credit approval system enables loan services to be tailored to the specific characteristics of the markets it operates in. With our proprietary scoring system, it’s possible to check a customer’s solvency and financial position, no matter which country they’re based in. This way we’re in a position to provide a suitable loan service based on solvency and the individual financial circumstances of the customer.


Revolving Credit

A flexible loan of € 2 000, from which customers can make withdrawals based on their need. Once approved, the loan is freely available to customers at any time.

Consumer loan

A one-time loan of € 1 000–10 000, which customers can use immediately if necessary. The loan is repaid in equal instalments. Customers can choose the amount of the monthly instalment.

Car Loan

Customers can apply for a Saldo Car Loan either at a car dealership or through the Saldo website. The amount of the loan is based on the purchase price of the car.

Term deposit

A term deposit is the process of keeping a specific amount of money in a financial institution for an agreed period of time.


Revolving Credit

A flexible credit limit up to SEK 20 000, which customers are free to withdraw to their account as they need.

Term deposit

A term deposit is the process of keeping a specific amount of money in a financial institution for an agreed period of time.

Consumer loan (coming soon)

A one-time loan of SEK 10 000 - 100 000 that customers can use immediately. When applying for a loan, customers can decide the amount of the loan and monthly installments.


Consumer loan

A loan of € 500-3 000 that the customer can use immediately. The payment period depends on the loan amount and the monthly instalment chosen by the customer.

SME Loan

A one-time loan of € 1 000–10 000 that companies can use immediately with no collateral required.

Term deposit

A term deposit is the process of keeping a specific amount of money in a financial institution for an agreed period of time.


Our products and customer service adapt to the ever-changing everyday and everyone’s personal needs. Need a loan right away? No problem. Chat, email, app, call? We got you.


We make sure our customers can keep their finances in order. Our dynamic pricing and monthly instalments allows tailoring to each customer, taking into account their life situation and everyday spending.


No hidden fees, no shady stuff. Our communications is always jargon free and to the point. We keep our promises and create digital products like they should have been done since the get-go. We take pride in being a responsible lender.

Saldo Bank locations

Saldo Bank has offices in Finland and Lithuania and our customer service is easily contactable at, on +370 604 45179 or through the chat service on our website.

Finland, Helsinki

Saldo Bank UAB Suomen sivuliike

Lautatarhankatu 10

00580 Helsinki

No customer service at this location

Lithuania, Vilnius

Saldo Bank UAB

Žalgirio str. 94-1

Vilnius 09300

No customer service at this location

Our leadership team

Meet the leadership team at Saldo Bank, who guide our dynamic community of over 60 professionals across three European cities. Together, we’re committed to realizing our strategic vision and become the most preferred neobank with a superior product offering and the most innovative team.

Saldo Bank continues to expand

Saldo is strongly focused on international expansion and the launch of new products. In the future, Saldo will continue to expand geographically inline with its growth strategy and increase its product portfolio by country.

Saldo is committed to investing in responsible lending. Saldo also became one of the first lenders to utilise ”open banking” information. This enables safer and more responsible lending for Saldo and its customers.

Geographical expansion continues to progress in a controlled manner, taking into account each country's market. Saldo will also continue to recruit extensively, offering industry professionals the opportunity to work at any of Saldo’s locations.

Saldo’s strategy

Saldo seeks to become the most preferred neobank with a superior product offering and the most innovative team. We follow good lending practices, and abide by laws and regulations set by the authorities in all locations where we operate.

Saldo's automated lending system enables businesses to scale, as well as enjoy profitable international growth. Our own scoring system allows us to check the customer's solvency and financial health, then base a loan offer on each customer's individual circumstances. Our system also connects easily to partner systems.

We value the well-being of our employees and provide them the opportunity for continuous development and learning. Saldo employs a committed, professional and internationally experienced team.

Saldo is also in the process of expanding its sales channels and customer base through a partnership model, and developing new financial services. Growing demand also supports Saldo's business and the regulation of the industry creates new opportunities. Our own financial technology, automated processes, and scalable and responsible operations make Saldo an attractive investment opportunity.

To be bold

At Saldo Bank, everyone has the right to constantly innovate and to explore new ideas. Our open environment supports creative collaboration and a relentless pursuit of new innovations. We always support each other in setting new standards and reaching new goals.

To use technology for the better

We at Saldo Bank are techies at heart and we are dedicated to always utilising our skills for improving the lives of our customers and our own people through disruptive use of technology and new innovations.

Technology is our religion.

To take responsibility

Knowledge comes with responsibility, and we always lead by example as individuals and as a company. We are responsible for serving our customers, supporting our peers and for making a positive impact on society.

Financial reports

2023 Saldo Finance Oy Audit report

2024 05 09Financial reports

2023 Saldo Finance Oy Annual report

2024 05 09Financial reports

2023 Saldo Bank UAB Annual report

2024 05 09Financial reports

Q1 2024 Quarter review

2024 03 31Financial reports

Q4 2023 Quarter review

2024 05 09Financial reports

Q3 2023 Quarter review

2023 09 30Financial reports

Q2 2023 Quarter review

2023 06 30Financial reports

Q1 2023 Quarter review

2023 06 08Financial reports

2022 Saldo Finance UAB Annual report

2023 06 08Financial reports

More about Saldo

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Saldo Bank opens banking operations - Offers high interest rate on savings in Finland
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Saldo term deposit rates in Lithuania
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Finnish fintech Saldo Bank launches the term deposit product in Lithuania
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