Representative example, credit amount € 1.500, variable annual nominal interest rate 17,50% (interest rates act reference rate 2,50% + 15,00% margin), APR 18,97%. Payback in 12 equal monthly installments € 137,16 Credit cost € 145,96, total amount payable € 1.645,96.
* Transaction fees may apply for additional services.
Credit
The perfect credit companion
Available in Finland and Germany.
The Ferratum Mastercard is an affordable virtual credit card that lives in your smartphone, and goes anywhere you do.
Pay for your purchases in store with Apple Pay or Google Pay, or securely online at over 30 million merchants with the power of Mastercard®. Take up to 60 days with an extended interest-free payment period, giving you more time than ever before.
For further information regarding the Terms and Conditions and Lists of Prices and Services kindly refer to your local SweepBank website.
More Time
Like an extended holiday
An extended interest-free payment period of up to 60 days on credit purchases using your Ferratum Mastercard, giving you more time to repay without added costs.
Instant Satisfaction
Activated in minutes
Apply, activate, and get to spending with your new Ferratum Mastercard in minutes. Because life's too short for waiting.
Go Green
Better for the planet
A virtual credit card means less plastic waste created. Over 400 million tonnes of plastic waste are created per year. Less plastic is always positive for our planet.
Accepted Worldwide
Feel like a VIP everywhere
Level up your purchasing power at 30 million merchants across the globe and online with the Ferratum Mastercard.
Complimentary Zero Liability coverage fully protects you in case of unauthorized transactions.
Get your card in 3 steps
Step 1
Start your Ferratum Mastercard application any time
Step 2
Get approved for your Ferratum Mastercard in minutes
Step 3
Your Ferratum Mastercard is waiting for you in the app
ELIGIBILITY
Who can apply for a credit card
To apply for your Ferratum Mastercard, we ask you to meet these minimum requirements:
-
At least 20 years of age or older
-
Continuous employment for minimum 4 months
-
Earning regular income of 1,600€ per month or greater
-
A good credit standing
How we compare
 |  |
|---|---|
€8,000Maximum credit limit | €9,000Maximum credit limit |
€0Average annual fee | €14Average annual fee |
MinutesActivation time | Up to 5 daysActivation time |
Up to 60 daysInterest-free period | Up to 40 daysInterest-free period |
Fraud protection | Fraud protection |
Worldwide access | Worldwide access |
Google Pay | Google Pay |
Apple Pay | Apple Pay |
| | |
|---|---|---|
Maximum credit limit | €9,000 | €8,000 |
Average annual fee | €14 | €0 |
Activation time | Up to 5 days | Minutes |
Interest-free period | Up to 40 days | Up to 60 days |
Fraud protection | ||
Worldwide access | ||
Google Pay | ||
Apple Pay |
Have a question? We are here to help.
- At least 20 years of age or older
- Continuous employment for minimum 4 months
- Earning regular income of 1,600€ per month or greater
- A good credit standing
- Access to the Ferratum app
Add your virtual cards to Google Pay or Apple Pay:
- Tap the Card icon on the bottom menu.
- Select the virtual card which you wish to add to Google Pay or Apple Pay.
- Tap the Add to Wallet button underneath the virtual card.
- Follow the on-screen instructions to add your card to your wallet.
Our Ferratum Mastercard has a variable annual nominal interest rate of 17.50%.
Representative example, credit amount € 1.500, variable annual nominal interest rate 17,50% (interest rates act reference rate 2,50% + 15,00% margin), APR 18,97%. Payback in 12 equal monthly installments € 137,16 Credit cost € 145,96, total amount payable € 1.645,96
Smart banking starts here
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