Bigbank review

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

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Our verdict

Bigbank lends directly in Estonia, and the personal loan suits borrowers who want fixed pricing and funding that usually lands within a day. Cost is the weak point: the cost of credit of 17.38% sits above the personal loan median of 12.25%.

Key facts

Best for
Estonian borrowers who want a fixed-rate personal loan and can apply with the code that removes the arrangement fee.
APR
17.38% (Source, checked September 26, 2026)
Loan amount
€500 to €30,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
2% of credit amount, min 45 EUR; 0 EUR with code "lepingutasuta" until 30.09.2026 (Source, checked September 26, 2026)
Funding time
Money usually reaches the account within 24 hours (Source, checked September 26, 2026)
Representative example
Väikelaen of 6500 EUR over 80 months at fixed 14.10% interest with 130 EUR origination fee and 3.99 EUR monthly admin fee: cost of credit 17.38%, monthly repayment 130.44 EUR, total 10434.70 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 18-73, Estonian citizen or foreign citizen with valid Estonian residence permit or right of residence, registered home address in Estonia, official euro income of at least 350 EUR per month (Source, checked September 26, 2026)
Origination fee (%)
2% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Bigbank AS (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bigbank.ee

Mortgages

Initial rate
2.5% (Source, checked September 26, 2026)
APRC
4.91% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
85% to 100% (Source, checked September 26, 2026)
Product fee
from €150 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Bigbank AS (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Personal loans run on fixed pricing and a fixed rate structure, so repayments stay level.
  • Money moves fast, since Money usually reaches the account within 24 hours.
  • Supervised by the Estonian Financial Supervisory Authority under licence 73.
  • Help is offered through email, phone and help centre.

Cons

  • The cost of credit of 17.38% is above the personal loan median of 12.25%, and the arrangement fee stands without a promo code.
  • Loan sizes stop at €500 to €30,000, so larger sums need a different lender.
  • Support runs on email, phone and help centre only.
Bigbank

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Estonian residents with official euro income who want a fixed-rate personal loan.
  • Borrowers who can apply with the code that removes the arrangement fee.
  • People who need the cash quickly, since Money usually reaches the account within 24 hours.

Who should look elsewhere

  • Cost-first borrowers, since Monzo Flex runs at 10% to 23% against 17.38% here.
  • Anyone after a far cheaper advertised rate, since Cashspace ES lists 0%.

Where it sits among rivals

On loan amount Bigbank ranks 378 of 685 brands listed here. On cost of credit it ranks 233 of 350. Mid-table on both, it is neither an outlier at the cheap end nor at the dear end, which makes it a neutral starting point for weighing the alternatives.

Who runs it

Bigbank AS is the legal entity, based in Estonia and operating since 1992. It appears in the register of Finantsinspektsioon, the Estonian Financial Supervisory Authority, under licence 73. Support runs on email, phone and help centre, so help comes by phone and in writing.

How Bigbank compares

Where Bigbank is available

Available
Bulgaria, Estonia, Finland, Latvia, Lithuania, Sweden
Licence in Estonia
Finantsinspektsioon (Estonian Financial Supervisory Authority) (73), checked September 26, 2026

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

Frequently asked questions

What rate does the Bigbank personal loan charge?+

The personal loan is priced on a fixed basis, so interest does not move with the market. The stated cost of credit is 17.38%, and the published example adds an origination fee and a monthly admin fee on top of the interest.

Is there an arrangement fee on the personal loan?+

Yes. The arrangement fee is 2% of the credit amount. It is removed when you apply with the code that waives it, so check the current offer before signing, because the quoted cost of credit of 17.38% is based on the standard arrangement.

How much can I borrow, and for how long?+

The personal loan runs from €500 to €30,000, with terms from 6 to 120. That is a modest range, aimed at a single planned expense rather than debt spread over many years. Borrowing is direct, so Bigbank AS is the party you deal with.

How quickly does the money arrive?+

Funding is quick on the personal loan, because Money usually reaches the account within 24 hours. The product is a fixed-rate personal loan from a direct lender, so the decision and the payout sit with Bigbank AS rather than a broker passing your application along.

Is Bigbank regulated?+

Bigbank AS is listed with Finantsinspektsioon, the Estonian Financial Supervisory Authority, under licence 73. The regulator supervises lenders in Estonia. No savings or deposit protection is stated for this lender, so confirm any cover you rely on with the regulator.

Who can apply for the Bigbank personal loan?+

Applicants must be adults with official euro income. You need a registered home address in Estonia, plus either Estonian citizenship or a valid Estonian residence permit or right of residence. The income test is a monthly euro threshold set by the lender, and borrowing runs direct from Bigbank AS.

What does the published example show?+

The example takes a mid-sized personal loan, runs it over a fixed term at a fixed interest rate, then adds an origination fee and a monthly admin fee. The total repaid comes to well above the amount borrowed, and the cost of credit shown is 17.38%.

Does Bigbank lend for homes as well as personal loans?+

Yes. The home loan carries a product fee from from €150, an initial rate of 2.5% and an annual percentage rate of 4.91%. These loans can run for 30, cover purchase and remortgage, and reach a maximum loan to value of 85% to 100%.

Sources

  • bigbank.ee/ettevottest checked September 26, 2026

    Backs: Founded, Headquarters

    “Oleme 1992. aastal Eestis asutatud hoiustele ja laenudele keskendunud pank”

  • bigbank.ee/kodulaen checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Loan term: up to 30 years (rate consists of an individual margin plus 3, 6 or 12 month Euribor)”

  • bigbank.ee/kodulaen checked September 26, 2026

    Backs: APRC

    “For example, for a loan amount of 135200 euros with a term of 307 months, floating rate 4.697% (margin + 6 month Euribor) and contract fee 540.80 euros, the cost of credit rate is 4.91%”

  • bigbank.ee/kontaktid checked September 26, 2026

    Backs: Legal entity, Support channels, Licences

    “Bigbank AS on Eesti kapitalil põhinev finantsteenuste pakkumisele keskendunud pank.”

  • bigbank.ee/vaikelaen checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Pakume väikelaenu summas 500 - 30 000 eurot intressiga alates 7,9% laenujäägilt aastas.”

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

Not confirmed yet: Credit check.

Bigbank

Bigbank

Estonian borrowers who want a fixed-rate personal loan and can apply with the code that removes the arrangement fee.

9.0/10See alternatives

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