Bigbank

Bigbank is an Estonian bank founded in 1992 and headquartered in Tallinn, focused on retail deposits and consumer lending delivered through digital channels. It operates in the Baltics and selected Nordic and EEA markets, offering products such as fixed-term deposits with a range of maturities, online savings accounts with variable rates, and unsecured consumer loans (including personal, car, and renovation loans), alongside selected business and real estate financing in some countries. Bigbank AS is supervised by the Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon), and eligible deposits are protected by the Estonian Guarantee Fund up to €100,000 per depositor per bank; cross-border depositors rely on the same scheme. Account opening and servicing are handled online, with country-specific identification methods (such as national eID where available) and strong customer authentication applied under PSD2; mobile and web access are standard, and customer support languages and hours vary by market. Pricing is product- and country-specific: deposit rates change with market conditions, early access to fixed-term deposits is typically restricted or may involve costs, and lending APRs depend on the applicant’s credit profile and local rules. The bank primarily funds its activities through retail deposits and has also issued debt securities on the Nasdaq Baltic market to diversify funding. Bigbank does not operate as a full-service retail bank in most markets, with limited or no current account, card, cash, or everyday payment services, and a minimal branch footprint, which positions it mainly for savers seeking term or savings products under the Estonian deposit guarantee and for borrowers seeking standardized consumer credit rather than comprehensive day-to-day banking.