Updated October 18, 2026 · SumCue Editorial Team
EstateGuru vs Santander Lokaty PL
EstateGuru
Higher score in this comparison
Santander Lokaty PL
EstateGuru vs Santander Lokaty PL: the differences
| Compare | EstateGuruReviewVisitVisit | Santander Lokaty PLReviewVisitVisit |
|---|---|---|
| Headline rate | 7%Higher | 3.6% |
| Rate type | Fixed | Variable |
| Access terms | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment | no minimum or maximum balance on the account |
| Account kind | Fixed | Easy access |
| Minimum deposit | €100 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
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Key differences
- EstateGuru scores higher overall: 8.8 vs 8.5.
- Headline rate is higher at EstateGuru: 7% vs 3.6%.
- Support channels: only EstateGuru offers Email, Chat, Help centre.
- Pricing model: only EstateGuru offers Fixed rate.
- Pricing model: only Santander Lokaty PL offers No monthly fee.
Our verdict on each
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Santander Lokaty PL
Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
Score breakdown
| Area | EstateGuru | Santander Lokaty PL |
|---|---|---|
| Cost | 8.3 | Not confirmed |
| Offer | 9.8Higher | 9.2 |
| Trust | 8.6 | Not confirmed |
How they place
| Ranking | EstateGuru | Santander Lokaty PL |
|---|---|---|
| Fixed-rate bonds and term deposits | 4 of 199 | 7 of 199 |
Where each is licensed and available
| Country | EstateGuru | Santander Lokaty PL |
|---|---|---|
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| Lithuania | Not confirmed |
A third option
Plazo ES has headline rate at 24.19%, against 7% for EstateGuru and 3.6% for Santander Lokaty PL.
Plazo ES reviewWhat we checked
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
Santander Lokaty PL
- bankier.pl: 5 facts, checked October 17, 2026
- moneteo.com: 2 facts, checked October 17, 2026
Every fact side by side
| Fact | EstateGuru | Santander Lokaty PL |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee |
| Legal entity | Estateguru OU | Not confirmed |
| Headquarters | Estonia | Poland |
| Founded | 2013 to 2014 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone |
Mortgages
| Fact | EstateGuru | Santander Lokaty PL |
|---|---|---|
| Initial rate | 7.2% | Not confirmed |
| Fixed period | 3 years | Not confirmed |
| Maximum loan to value | 75% | Not confirmed |
Where each stands against the rest
| Fact | EstateGuru | Santander Lokaty PL | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 3.6%above the median | 3.3% |
| Minimum deposit | €100highest quarter | Not confirmed | €1 |
Median across 710 listed providers.
Pros and cons
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
Santander Lokaty PL
Pros
- Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
- The application is completed online, and the captured page says deposits can renew automatically and offers a choice of terms.
Cons
- Money stays tied up for the agreed period
- Early access to funds is limited while the deposit runs
Who each suits
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
Santander Lokaty PL
Who it suits
- Poland customers who want to open a term deposit online
Who should look elsewhere
- People who need quick access to their savings
- Customers wanting a daily spending account
Questions about each
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
How much do I need to put in?+
The minimum deposit is €100, a low entry point for a fixed rate product. The money is then placed into property loans funded through the platform rather than sitting as a cash balance.
Can I get my money back before the term ends?+
Cash in the notes stays in place for the full term, since early exit sits outside the platform's terms. The portfolio loans behind the notes also stay off the secondary market until the borrower has repaid.
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