Bigbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bigbank is an Estonian bank built for a single market, so it suits readers who live and earn in Estonia rather than shopping across Europe. The savings account pays a 2.2% headline rate with easy access, and personal loans run at a fixed 17.38%.
Key facts
Loans
- APR
- 17.38%↗
- Loan amount
- €500 to €30,000↗
- Term
- 6 to 120 months↗
- Arrangement fee
- 2% of credit amount, min 45 EUR; 0 EUR with code "lepingutasuta" until 30.09.2026↗
- Funding time
- Money usually reaches the account within 24 hours↗
- Representative example
- Väikelaen of 6500 EUR over 80 months at fixed 14.10% interest with 130 EUR origination fee and 3.99 EUR monthly admin fee: cost of credit 17.38%, monthly repayment 130.44 EUR, total 10434.70 EUR↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Age 18-73, Estonian citizen or foreign citizen with valid Estonian residence permit or right of residence, registered home address in Estonia, official euro income of at least 350 EUR per month↗
- Origination fee (%)
- 2%↗
- Loan types
- Personal↗
- Pricing model
- Fixed rate
Savings
Mortgages
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 10 sources
Pros and cons
Pros
- No minimum deposit on the savings account, which takes €0, so you can start small.
- Deposits sit under the EU deposit guarantee scheme: EU DGS up to EUR 100,000.
- Loan funding is prompt: Money usually reaches the account within 24 hours.
- Home loans cap out at a loan to value of 85% to 100% with a fixed period of 30.
Cons
- Small personal loans are pricey: 17.38% APR plus an arrangement fee of 2% of the credit amount.
- Getting money out is slower than an instant account, since the easy access account pays out to the current account within a few business days and sets a minimum payout.
- Support runs on email and phone only.
Who it suits
- Adults living in Estonia with a registered home address there and a euro income, weighing a personal loan against a savings account.
- Savers who want easy access, monthly interest and a minimum deposit of €0.
- Estonian homeowners taking a fixed rate home loan for purchase and remortgage.
Who should look elsewhere
- Wise, if you bank outside Estonia: Bigbank's savings and loans are open to people with a registered home address in Estonia.
- Starling Personal Account Debit Card, for a UK account at a monthly fee of £0, where the difference is the market you bank in rather than the cost.
Rates and card terms
Headline interest on the savings account is 2.2%. Borrowing costs 17.38% and the rate type is fixed, so the payment stays put for the whole term rather than following a base rate up and down. Personal loans run 6 to 120, so you can spread a modest amount over a shorter stretch or borrow more for longer.
The company behind it
The legal entity is Bigbank AS, based in Estonia, and it has been trading since 1992. A long operating record tells you more about stability than a headline rate does. Support runs on email and phone, so a payment or payout question goes to a person by phone or email.
How Bigbank compares
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Frequently asked questions
What does it cost to hold the account?+
The monthly fee is €0, and the savings account asks for a minimum deposit of €0, so there is nothing to pay for keeping it open and nothing to fund it. The account kind is easy access, which suits putting money aside without a fixed term.
Is my savings money protected?+
Deposits sit under the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. Interest is paid monthly, and it stops on the portion of a balance that sits above the guarantee limit, so parking a large sum in one account is worth reconsidering.
How much can I borrow, and over what term?+
Personal loans run €500 to €30,000, with a term of 6 to 120 to suit the amount. The rate is fixed at 17.38%, so the monthly payment holds for the whole term. These loans suit larger costs rather than everyday spending, and the rate is high enough to weigh on a budget.
Who can apply for a loan?+
You need to be an adult and either an Estonian citizen or a foreign citizen with a valid Estonian residence permit or right of residence, with a registered home address in Estonia and a qualifying euro income. Bigbank is a direct lender offering personal loans, so you deal with the bank itself.
What does a home loan cost?+
Home loans carry an initial rate of 2.5% and an APRC of 4.91%, with a fixed period of 30. Maximum loan to value is 85% to 100%, and the product fee is from €150. The loan is offered for purchase and remortgage, so it covers a home purchase or a remortgage.
How quickly can I get money out of savings?+
The account kind is easy access, so you can deposit at any time. Withdrawals are not instant: money reaches the current account within a few business days, and payouts start at a minimum amount. Interest is credited monthly, which suits a pot you add to slowly.
What cards does Bigbank offer?+
Bigbank lists a debit card and a credit card, so you can pick the one that suits how you spend. The monthly fee stays at €0 either way, which keeps card costs out of the picture. Support runs on email and phone if a payment needs tracing.
Sources
- static.bigbank.eu/assets/2023/07/Bigbank_interimreport_Q2... checked September 26, 2026
Backs: Legal entity
“Bigbank AS was founded on 22 September 1992. A licence for operating as a credit institution was issued to Bigbank AS”
- bigbank.ee checked September 26, 2026
Backs: Monthly fee, Support channels
“Ilma uhegi lisakulu voi -kohustuseta”
- bigbank.ee/deebetkaart checked September 26, 2026
Backs: Card type
“Bigbanki deebetkaart”
- bigbank.ee/ettevottest checked September 26, 2026
Backs: Founded, Headquarters
“Oleme 1992. aastal Eestis asutatud hoiustele ja laenudele keskendunud pank”
- bigbank.ee/kodulaen checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Loan term: up to 30 years (rate consists of an individual margin plus 3, 6 or 12 month Euribor)”
- bigbank.ee/kodulaen checked September 26, 2026
Backs: APRC
“For example, for a loan amount of 135200 euros with a term of 307 months, floating rate 4.697% (margin + 6 month Euribor) and contract fee 540.80 euros, the cost of credit rate is 4.91%”
- bigbank.ee/krediitkaart checked September 26, 2026
Backs: Card kind
“Krediitkaart - maksa siis, kui vaja | Bigbank”
- bigbank.ee/saastuhoius checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit
“säästuhoiuse minimaalne väljamakstav summa on 10 eurot ning summa laekub arvelduskontole kuni 3 tööpäeva jooksul; Pank ei maksa intressi hoiusumma osalt, mis ületab 100 000 €”
- bigbank.ee/vaikelaen checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term
“Pakume väikelaenu summas 500 - 30 000 eurot intressiga alates 7,9% laenujäägilt aastas.”
- fi.ee/et/pangandus-ja-krediit-0/pangandus-ja-krediit/kred... checked September 26, 2026
Backs: Deposit protection
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Bigbank
An easy access savings account and a personal loan for residents of Estonia.