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Banking, loans, credit cards and savings in one app.
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Hello, we are Ferratum!
Say goodbye to complicated processes and hello to clear financing with Ferratum, the consumer lending unit of Multitude. Whether you need additional financing or friendly customer service, we're here for you.
2M+
Customers
2005
Founded
15
Markets
Why choose Ferratum as your everyday loan partner?
A flexible buffer whenever you need it
Apply for a Ferratum flexible loan or credit card to balance everyday expenses and larger purchases – draw down only as much credit as you need, when you need it.
Fully digital, quick to use
Apply online and receive a decision once we have assessed your ability to pay – your digital credit card can be ready to use in minutes, and you can transfer money from your credit to your account instantly with the instant transfer feature.
Clear terms, responsible and safe
Transparent loan pricing, and your savings are protected up to 100,000 euros under deposit protection – giving you more peace of mind.
All your money in one free app
Manage your banking and savings in one place with the free mobile app – and keep your digital Mastercard® credit card on your phone.
Ferratum flexible loan is a flexible everyday loan
You can easily manage your Ferratum flexible loan online, wherever and whenever you want. You can withdraw the credit up to the limit again as needed without having to apply again. The upper limit for the first withdrawal is €4,000, but you can also withdraw less credit if you wish. You can also pay off the entire flexible credit faster than the agreed payment schedule if there are changes in your ability to pay.
Our products & Services
Flexible credit
An easy-to-use and flexible credit limit for everyday surprises and purchases, which you can use as needed without a new application. Manage and withdraw credit conveniently through MyAccount
Credit Card
The Ferratum credit card is a digital Mastercard® you can use from your smartphone worldwide, allowing secure payments in stores and online with quick activation.
Savings & Term Deposit
Ferratum savings products offer competitive interest rates for savings accounts and term deposits with deposit protection, helping your money grow safely.
Banking Services
Ferratum’s banking services include a free mobile app, versatile card solutions, and interest-bearing accounts, all managed easily through digital banking.