Bigbank

Bigbank AS is an Estonian bank headquartered in Tartu that focuses on consumer lending and deposit products delivered through digital channels across the Baltic states and several other European markets via branches and cross‑border passporting. It is supervised by Finantsinspektsioon (the Estonian Financial Supervision and Resolution Authority) and participates in Estonia’s statutory deposit guarantee scheme, which protects eligible deposits up to €100,000 per depositor per institution under the EU framework. The retail product set commonly includes fixed‑term deposits with a range of maturities and online savings accounts, alongside unsecured personal loans; in its Baltic home markets it also offers home loans and financing for small businesses. Accounts are opened and serviced online, with identification methods, currencies, rates, and fees varying by country of residence. Fixed‑term deposits typically cannot be withdrawn before maturity or may incur an early‑termination charge, while savings accounts provide flexible access at variable interest rates. Lending decisions are based on credit checks and affordability assessments; unsecured loans are priced higher than secured borrowing, and late payments trigger default interest and collection measures. The bank publishes audited financial statements and regulatory capital disclosures and does not operate a large physical branch network, so service is primarily remote. It is not a full‑service bank in most markets, and everyday banking features such as current accounts or payment cards may be limited or unavailable. Prospective customers should review country‑specific terms, current interest rates and APRs, total cost of credit, early‑repayment conditions, fees for account servicing and transfers, supported onboarding methods, and available customer support hours and languages before applying.