Credit card charges in comparison

Banks will charge your credit account even if you have not used the card at all – see if your card has this feature!
The marginal interest rates on credit cards range from 5% to 14% in Finland.So we have calculated the current APR for all cards only for the reference rate, including the annual fee (and other charges). This way all cards are in the same line in comparison.

Banks will charge a billing surcharge or account management fee

Banks will charge a billing surcharge or account management fee

In addition, banks will charge a billing surcharge or account management fee if the credit remains outstanding.

Many cards have an account management fee of up to $ 5. Some cards also charge the customer monthly, even if the credit bill is always paid off before interest. In addition, there are cards that do not have account management fees, so be careful and make sure to compare before you make a purchase!

Effective annual interest rate only for the reference rate

Effective annual interest rate only for the reference rate

For the sake of comparability, we have calculated the effective annual interest rate only for the reference rate, and we have not included the effect of the Euribor rate, as currently 3 months Euribor is negative and some banks have an impact on the reference rate. In addition, some banks (eg GoodBank) do not calculate the annual fee on their own pages according to the reference rate, while some do.

This way all cards are in the same line in comparison

This way all cards are in the same line in comparison

So we have calculated the current APR for all cards only for the reference rate, including the annual fee (and other charges). This way all cards are in the same line in comparison. Banks will charge your credit account even if you have not used the card at all – see if your card has this feature! account management fee if the credit remains outstanding


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