Inbank products, services and reviews

About Inbank

Inbank is an Estonian credit institution focused on consumer finance and savings, operating primarily online in the Baltics and Poland with cross‑border deposit gathering in selected EU markets. Licensed and supervised by the Estonian Financial Supervision and Resolution Authority, it funds lending with retail deposits, and eligible deposits are covered by the Estonian Guarantee Fund up to 100,000 euros per depositor in line with EU rules. The product set typically includes point‑of‑sale installment financing through merchant partners, unsecured consumer loans, vehicle financing, and fixed‑term deposits; availability and terms vary by country. Onboarding and servicing are digital, relying on electronic identification where available, and the bank distributes many loans at checkout via integrated merchant solutions. Pricing on credit is risk‑based and market‑specific, with legally required pre‑contract disclosures; borrowers should review total cost of credit, fees, and early repayment conditions under local law. Fixed‑term deposits generally pay a set rate for the agreed term, with early withdrawal either unavailable or subject to loss of interest depending on jurisdiction and product. Inbank operates without a traditional branch network and does not offer full‑service current accounts in most markets, so cash services and day‑to‑day banking features may be limited; card availability differs by country. Customer support is provided through online channels and call centers during business hours, and data handling follows GDPR requirements. Prospective customers should assess eligibility, identification requirements, and product documentation for their specific market, and compare APRs, deposit rates, fees, and access rules against local alternatives.