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Inbank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Inbank suits Estonian borrowers who want a fixed rate personal loan or a fixed deposit. It is a direct lender offering amounts of €500 to €15,000 over 12 to 72, with funding Within 1 business day after signing the loan agreement after the agreement is signed.

Key facts

Best for
Estonian adults with a good payment history who want a small fixed rate loan or a protected deposit.
Loan amount
€500 to €15,000↗
Term
12 to 72 months↗
Arrangement fee
2% of loan amount, minimum 50 EUR↗
Credit check
Hard↗
Funding time
Within 1 business day after signing the loan agreement↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
21+ with good payment history, Estonian citizen or resident, monthly income at least 400 EUR↗
Origination fee (%)
2%↗
Loan types
Personal↗
Legal entity
AS Inbank Finance↗
Headquarters
Estonia↗
Founded
2010↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
inbank.ee

Savings

Minimum deposit
€500 to €300,000↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
No withdrawals or top-ups during the deposit term; 14-day withdrawal right, then early closure only on application↗
Monthly fee
€0↗
Account kind
Fixed↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Loans run at a fixed rate over 12 to 72, so repayments stay predictable.
  • The monthly fee is €0.
  • Deposits sit under EU DGS up to EUR 100,000.
  • Support runs on email, phone and help centre.

Cons

  • The loan origination fee is 2% of loan amount, minimum 50 EUR, charged on personal loans.
  • Free early repayment is not offered on personal loans.
  • Deposits are fixed accounts, and the access terms hold the money through the term, with a short withdrawal right and early closure by application.
Inbank

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Estonian citizens or residents with a good payment history who need a personal loan.
  • Borrowers who want a fixed rate so payments do not move over the term.
  • Savers who want a fixed deposit carrying EU deposit protection.

Who should look elsewhere

  • Borrowers outside Estonia, since eligibility is limited to Estonian citizens and residents; Cashspace serves a different market, PHP 500 to PHP 25,000.
  • Anyone likely to settle a loan early, since free early repayment is not offered; Sofkredit lends €12,000 to €300,000 for a different kind of need.
  • Savers who need their money on demand, since the deposit is fixed and the access terms hold the balance through the term.

Deposit protection

Inbank is a direct lender, direct lender, and it holds an EU banking licence in Estonia. Lending direct means one named company decides and funds, which keeps the chain short for both borrowers and savers. A licence covers the institution, while deposit protection sits separately in the EU guarantee scheme, so check the scheme rather than the licence alone.

How Inbank compares

Where Inbank is available

Available
Estonia
Licence in Estonia
EU banking licence (regulator not named on the page; licence obtained 2015), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Inbank?+

Personal loans carry an origination fee of 2% of loan amount, minimum 50 EUR, and the rate stays fixed for the whole term. The monthly fee is €0, and repayments run over 12 to 72 with the amount at €500 to €15,000.

Can I repay a personal loan early?+

Inbank does not offer free early repayment on personal loans, so a 12 to 72 loan settled early carries a charge on the outstanding balance. Borrowers who expect to clear the loan sooner should compare lenders that allow free early repayment instead.

How long does a loan take to arrive?+

Funding is Within 1 business day after signing the loan agreement, and same day funding appears among its features, same day funding. That is quick once the agreement is signed, which matters for a bill or repair that cannot wait.

Is my deposit protected?+

Yes. Deposits are covered by EU DGS up to EUR 100,000, which sits with the EU deposit guarantee scheme rather than with the lending side of the business. Inbank also holds an EU banking licence in Estonia, so the bank sits inside a regulated structure.

Can I withdraw from a deposit early?+

Not freely. Withdrawals and top ups are not allowed during the deposit term, and the access terms set a short withdrawal right. After that, early closure needs an application, so plan around the fixed term, which starts at €500 to €300,000.

Who can apply for a loan?+

Applicants need a minimum age, a good payment history, and either Estonian citizenship or residence, plus a minimum monthly income. The credit check is hard, so a soft check will not carry an application, and thin credit counts against it.

What sizes of loan does Inbank lend?+

Inbank lends amounts of €500 to €15,000 over 12 to 72, which suits smaller personal loans rather than large borrowing. On loan amount, Inbank sits at 359 out of 665 brands compared, so the range is modest beside wider lenders.

How do I get help?+

Support runs through email, phone and help centre, and each of those routes is listed for the loan product. Email, phone and a help centre cover the main questions about a loan or a deposit.

Sources

  • inbank.ee checked September 26, 2026

    Backs: Headquarters

    “Niine 11 10414 Tallinn Eesti”

  • inbank.ee/hinnakiri checked September 26, 2026

    Backs: Free early repayment, Monthly fee, Origination fee (%)

    “Lepingu ennetähtaegne lõpetamine fikseeritud intressiga Teenuselepingul 1% ennetähtaegselt tagasimakstud krediidi summast, kui krediidi ennetähtaegse tagasimaksmise ja lepingu lõppemise vaheline...”

  • inbank.ee/hoius checked September 26, 2026

    Backs: Access terms, Account kind, Minimum deposit

    “During the deposit period, money cannot be withdrawn from the deposit or added to it”

  • inbank.ee/laen/vaikelaen checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Features, Funding time, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Support channels, Term

    “Väikelaen Summa 500 - 15 000 EUR”

  • inbank.ee/meist checked September 26, 2026

    Backs: Deposit protection, Founded, Licences

    “Inbanki asutasid 2010. aastal Tallinnas endised pangandusjuhid Jan Andresoo ja Priit Põldoja”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Inbank

Inbank

Estonian adults with a good payment history who want a small fixed rate loan or a protected deposit.

8.9/10See alternatives