Saldo Bank is a Nordic fintech company that provides digital financial services, focusing on consumer and SME lending, term deposits, and innovative payment solutions. The bank operates primarily in Finland and is expanding its reach across the Nordics and Baltics. Saldo Bank emphasizes flexibility, affordability, and responsible lending practices. The bank offers a range of services, including consumer loans up to €10,000, revolving credit with integrated payment cards, high-interest term deposits, and agile business loans for SMEs. Saldo Bank also provides Visa-branded credit cards and partnership cards with tailored benefits. Its digital-first approach ensures fully automated loan approvals and a mobile-friendly banking experience, supported by multi-channel customer service in Swedish and English. Saldo Bank utilizes a proprietary scoring system to personalize loan offers and has developed integrated payment cards for seamless transactions. The bank prioritizes responsible lending through automated risk assessments and transparent communication, aiming to minimize financial burdens for its customers.