Easy to understand language

This information helps you understand how our services work. It is written in simple language.

Saldo Bank is a company that provides money services online.

You can use our services through our website and mobile app to get:

• Consumer credits (loans)

• Term deposits

You can only use our services online. It means that we don’t have an office where you can visit us.

To access our services, you will need a computer or a mobile phone. 

To protect your identity, you will need to provide us your ID or passport copy and other information.

Consumer credit is a loan. You can borrow money from us for your personal needs.

For example, you can borrow money for:

• home repairs,

• a car,

• another big purchase.

You must pay the money back in parts every month. 

For using our money, you pay interest. Interest is the price of the loan.

Important to know:

• Before you take a loan, think carefully if you can pay it back.

• Always read the contract.

• If you do not understand something, please ask us.

Our services have a cost. The price is made of interest and other fees.

Interest: This is a fee for using our money. It is calculated on the amount you borrowed.

Other fees can be:

• A fee to activate the contract.

• An annual fee for the card.

• A fee for paying late.

All information about fees is written in the contract and on our website. Always read this information carefully.

If you cannot pay the monthly payment on time, this is called a late payment.

If you pay late:

• We will charge late fees. A late fee is a penalty for being late.

• Information about your debt may be sent to credit databases. This can make it harder for you to get a loan in the future.

• Contact us immediately.

• Do not hide from the problem.

• Together, we will try to find a solution.

• Maybe we can change your payment plan.

As a consumer, you have rights.

You have the right to:

• Get clear and honest information about our services.

• Cancel a consumer credit contract within 14 days for any reason.

• Pay back the loan earlier than planned.

All your rights are described in the law and in your contract with us.

If you have questions, we are always ready to help.

You can contact us:

• By phone: +370 604 45179

• By email: informacija@saldo.com

• Through our website.

Our staff will answer your questions and explain everything.