Ferratum, Nordic Simplicity - Uncomplicated Finances

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Hi, we are Ferratum!

Say goodbye to complex processes and hello to straightforward financing with Ferratum. Operating globally for almost two decades across 13 countries, Ferratum, the consumer lending business unit of Multitude, embodies the essence of Nordic innovation and stands at the forefront of modern finance. Whether it's an extra financing or friendly customer support, we've got you covered.

2M+

Customers

2005.

Established

13.

Countries

Sustainability

Our approach to ESG is guided by and rooted in our mission to democratize financial services through digitalization, making them fast, easy, and green.

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Who we are

Operating globally for almost two decades across 13 countries, Ferratum fulfils consumers' small, short-term, unplanned financial needs.

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Careers

Would you like to join our team? We offer international and fun career opportunities in a fast-moving tech environment.

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News

Have a look at our latest news, from international media coverage to research reports, anything from the FinTech sector trends to customer behavior insights.

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Young man smiling and holding a mobile phone

Celebrating 20 years of digital banking!

It’s amazing to think how much life has changed in the last two decades, from fax machines and paper tickets to everything digitally at your fingertips.

For 20 years, Ferratum has helped people move forward, backed by Nordic simplicity, driven by digital innovation. What started in Finland has grown into a trusted global brand, proudly part of Multitude.

A lot might have changed, but our mission remains the same - making digital banking simpler, smarter and more accessible for you.

Thank you for this journey together 💙

Ferratum - Nordic Simplicity, Uncomplicated Finances.

Ferratum Insights Edition 2

We are excited to present the second edition of Ferratum Insights, our comprehensive survey uncovering the latest trends and consumer behaviors in the financial landscape across 13 European countries.

This year, we delve deeper into how individuals navigate their finances amidst ongoing economic challenges, highlighting shifting priorities and financial strategies.

Read full report

Latest updates

27.11.2025

Brand Tracking Study 2025: Customers Value Swift, Simple Financing

Our latest Brand Tracking Study 2025, conducted in collaboration with the research company Norstat, covers 12 European markets and is based on insights from over 12,000 respondents. The study examines brand awareness, message recall, reputation, and associations, providing a comprehensive view of how Ferratum is perceived and identifying growth opportunities. 

#General

13.03.2025

Building Trust in Digital Banking: Best Practices for Improving Customer Loyalty

Digital banking has made financial services faster, more efficient and more accessible than ever before. However, this transformation has come at a cost - the loss of the personal customer experience that was once central to banking services. In the past, when banking was conducted in physical branches, customer relationships were often deep, loyal and built on trust. Many customers had a dedicated bank advisor who understood their financial situation and provided tailored solutions.

#General

13.01.2025

How Fintech companies can maximize customer acquisition through data-driven marketing

I will start with something which got stuck in my head at a conference several years ago: missing ‘the AI train’ is like missing investment in bitcoin when it was just 1$. It costs you nearly nothing, but it can return way more. This is something which a lot of companies understood, but especially Fintech companies, which, by the way, most of them were and still are in the crypto train. First class. Entering a bit in our topic, in today’s competitive fintech environment, acquiring new customers is more crucial than ever. With countless players vying for attention (if it’s somebody I don’t want to be this is life, is the person who’s in charge of the yearly/half year competitive analysis in all fintechs), harnessing the power of data-driven marketing provides a unique opportunity to stand out. By utilizing insights gleaned from customer data, fintech companies are creating impactful strategies to attract and retain users. I will emphasize retain, as nowadays, switching to another Fintech products, it's something you do while you drink your morning coffee, while ordering your groceries, while listening to your favorite artist. All in the same time.

#General