Credit card Finland: Ferratum virtual Mastercard
Get a modern, fully digital credit card on your phone – with no monthly or annual fee*, up to 60 days interest-free and a free banking app. One of the easiest ways to add extra spending power in Finland.
CREDIT
Why this card is one of the best everyday options in Finland
Ferratum’s Mastercard® is a digital-first credit card designed for everyday life in Finland: groceries, online shopping, travel bookings and subscriptions – all managed in one easy mobile app. Instead of waiting for a plastic card, you get a virtual card directly on your phone.
You can pay in stores with Apple Pay, contactless payments or the card number, and shop online like with any other international credit card. On top of that, the card offers up to 60 days interest-free time on purchases, which is more than many traditional credit cards in Finland.
Key advantages at a glance
- No monthly or annual fee* – keep the card without fixed costs.
- Up to 60 days interest-free on purchases when you pay in time.
- Instant virtual card – use it within minutes after approval.
- Transfers from credit to your bank account when you need cash.
- Zero-liability protection if someone misuses your card (according to terms).
- Accepted in over 30 million locations in Finland and worldwide.
*Additional services may have separate fees. Always check the latest price list and service description.
Who can apply?
The Ferratum credit card is targeted at customers in Finland who meet basic credit criteria. As a rule of thumb, you should:
- Be at least 20 years old;
- Have a continuous employment relationship of at least 4 months;
- Have a regular monthly income of at least €1,600;
- Have good creditworthiness (no relevant negative credit entries).
Meeting the minimum requirements does not guarantee approval. The final decision is always made by Ferratum / Multitude Bank p.l.c.
How to get your Ferratum credit card (3 easy steps)
Want to boost your everyday finances with a flexible, modern credit card in Finland?
Apply for Ferratum Mastercard here →
Below is an example based on Ferratum’s own cost illustration:
| Credit amount | €1,500 |
|---|---|
| Type of credit | Revolving credit (Ferratum Mastercard) |
| Variable nominal interest | 17.50% (reference rate 2.50% + 15.00% margin) |
| Effective annual interest | 18.97% |
| Repayment time | 12 monthly instalments |
| Monthly instalment | ≈ €137.16 |
| Share of costs per month | < €45.96 |
| Total amount payable | €1,645.96 |
The actual terms and total cost depend on your personal offer, usage and repayment schedule. Always check the current price list and terms provided by Ferratum / Multitude Bank p.l.c.
Because Ferratum’s credit card is fully virtual, no plastic card is produced or shipped. Every year, the world generates hundreds of millions of tons of plastic waste – choosing a digital card is a small but meaningful step in the right direction.
Less plastic, less waste, still full Mastercard® functionality.
Credit is granted by Multitude Bank p.l.c. (Ferratum), ST Business Centre 120, The Strand, Gzira, GZR 1027, Malta. Use credit responsibly – missed payments and over-borrowing can lead to financial difficulties.
