“Since we use Mifundo, around 35% of our loan decisions have changed. The data gives us a much clearer picture of each customer.”


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20+ European countries with verified credit data
The single source for pan-European credit data
Unlock the cross-border lending market with verified data from credit bureaus across Europe – cut foreign credit risk by 7× and onboard customers in minutes instead of weeks.
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20+ European countries with verified credit data
Connected to national credit bureaus
and data providers across Europe










Unlock the power of cross-border lending
45M people in Europe live, work or bank in more than one country. That is 10% of the EU population and €800B in potential loans.
01
Raise your business volume by 15%
Partner banks confirm that foreign customers make up 10–25% of their portfolio.
02
Reduce the credit risk of foreigners up to 7×
Improve loan performance with data-driven insights in your risk management strategy.
03
Cut lead times from days to minutes
Simple financial identity verification makes it faster, smoother and paperless for customers and staff.
04
Stop AI-generated fraud
Mifundo collects credit and income data directly from bureaus, banks and registries, so applicants can’t edit it. Fake payslips and AI-made statements are caught before they reach your decision.
Unlock the power of cross-border lending
45M people in Europe live, work or bank in more than one country. That is 10% of the EU population and €800B in potential loans.

Raise your business volume by 15%
Partner banks confirm that multi-country customers make up 10–25% of their portfolio.

Reduce credit risk up to 7×
Reduce credit risk for multi-country customers and improve loan performance with verified cross-border data.

Cut lead times from days to minutes
Simple financial identity verification makes it faster, smoother and paperless for customers and staff.

Stop AI-generated fraud
Mifundo collects credit and income data directly from bureaus, banks and registries, so applicants can’t edit it. Fake payslips and AI-made statements are caught before they reach your decision.
How much growth and risk reduction are you missing?
On average, banks say 10–25% of their portfolio comes from multi-country customers. Enter your numbers to see the revenue you could unlock and the credit losses you could avoid.
Verified & Passportable Financial Identity
Mifundo gives banks a secure and standardised way to access a client’s full international financial history. Onboard clients faster, reduce risk and serve them seamlessly across borders.
Eliminate lengthy verification processes
What used to take weeks can now be done in minutes. Get a complete view of your client’s international financial history and manage cross-border banking with a single secure identity that travels with them.
Access a complete view of your client’s credit profile
Whether an existing client or a new international arrival, Verified & Passportable Financial Identity helps banks simplify loan approvals, asset management, and account opening. Reduce risk, streamline processes and enhance client satisfaction with a verified, ready-to-use identity.
Serve previously unserved clients profitably
Clients living or working abroad often present incomplete financial data. Mifundo connects all the pieces into one Verified & Passportable Financial Identity, giving banks a complete and reliable picture. Even for clients who were previously difficult to serve.
How it works for banks
From request to report: a seamless three-step process to access verified financial data across borders.
Book a demo →- 01
Create a new request
Enter the customer’s email, choose the country the data should come from and pick the data package you need.
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Customer completes the flow
Mifundo emails the customer a secure link explaining why and what happens next. They give consent to collect and passport their credit data.
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Receive the report
Mifundo collects the data directly from local credit bureaus, bank accounts and registries, so it can’t be altered. You get a standardised report with income, liabilities, credit history and score.
What banks say about Mifundo
Feedback from active banking partners, anonymised for confidentiality.
Creditworthy customers you’re missing today


Relocating professionals & returning expats
They are skilled professionals moving for work or returning home after years abroad. They have stable incomes and strong credit histories, but in another country. Banks often reject them due to the lack of a local credit history, even though banks in their home country would compete for having them as customers. With Mifundo banks can fairly assess these customers, reducing risk while gaining loyal, high-value clients.


Daily commuters between multiple countries
Workers living in one country and working in another. This is common in border areas like Tallinn-Helsinki, Copenhagen-Malmö, and Vienna-Bratislava. Their financial footprint is split across countries, making credit assessments complex. By aggregating data from both countries, Mifundo provides a complete financial picture, allowing banks to confidently serve this stable and growing customer base.


Cross-border property buyers
Europeans from Northern and Central Europe buying holiday homes for example in Spain, Italy, or France. Banks hesitate to lend to non-residents, even those with strong financial profiles. With Mifundo, banks can assess these buyers as easily as local applicants, tapping into a lucrative mortgage market.
Key features for cross-border lending
Everything your team needs to assess applicants with a credit history abroad, without building it yourself.
Book a demo- 01
Credit bureaus across borders, one API
Assess a foreign applicant’s credit history without a contract, legal review or integration for every country. We already work with bureaus in Europe and beyond. You connect once.
- 02
Standardised credit data
Every foreign credit report arrives in one consistent format, in English. Your underwriters can read it immediately, without decoding local terms, codes or report structures.
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Compliance built in
We handle each country’s rules on consent and data access, and keep a full audit trail. Your risk, legal and compliance teams get a setup they can approve, not a new project.
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Fast, simple applicant journey
Applicants give consent, verify their identity and connect their bank accounts in one guided, mobile-friendly flow in their own language. Fewer drop-offs mean faster decisions.
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Cross-border open banking
Check the income and spending of applicants whose accounts are abroad. Account data from banks in multiple EU countries comes in the same flow and report as the credit history.
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Pan-EU credit score
A comparable score across countries, next to the full report.
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Multi-country report
An applicant’s history from several countries, in one report.
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Joint applicant reports
Borrower and co-borrower together in a single report.
- 09
Reciprocal reporting
Report back to national bureaus where local rules require it.
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Flexible setup
Start on the web platform with no integration, add the API later.
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Built for people on the move
Assess expats, commuters and returning nationals fairly from day one.

Built to meet EU rules, today and tomorrow
Our solution is built to meet EU rules from day one: EU-licensed, GDPR-compliant and backed by the European Innovation Council.
CCD2-ready
Helping banks meet Consumer Credit Directive II requirements for cross-border creditworthiness assessments.
Regulated and licensed
Supervised by the Estonian Financial Supervision Authority, fully GDPR-compliant and ISO/IEC 27001 certified.
Aligned with EU priorities
Supporting the single market by enabling the free movement of financial data across borders.
Recognised and trusted
Funded by the European Innovation Council and awarded in leading EU fintech programmes.
Flexible data integration
Connect once via API for seamless data access or start testing instantly with our no-code web platform.

Connect through one API

Use our web based data platform
News & insights
Questions & answers
Can’t find what you’re looking for? Write to info@mifundo.com.
Mifundo is an Estonian company licensed by the Estonian Financial Supervisory Authority (FSA). We operate across Europe under a pan-European credit intermediary license and are funded by the European Commission through the EIC and the European Investment Bank, testifying to the strategic importance and regulatory trust in our innovation.
Mifundo provides access to credit data across a wide range of European countries, including both EU and non-EU jurisdictions such as the UK, Norway, and Switzerland. Our coverage continues to grow in line with client needs.
Under CCD2, lenders are required to base creditworthiness assessments on sufficient and verified financial data — not just local credit bureau files or self-reported information. At the same time, Article 6 prohibits treating applicants less favourably based on nationality or place of residence. Together, these provisions mean that rejecting or manually processing an applicant simply because they lack a local credit history becomes increasingly difficult to justify under supervisory review. For banks serving mobile Europeans, this makes access to cross-border credit data a compliance requirement, not just an operational improvement.
Mifundo gives banks standardized access to credit registry data from across Europe through a single API integration. This means lenders can retrieve verified repayment histories, existing obligations, and credit utilisation data for foreign applicants — the same type of information they already use for domestic customers. By closing the data gap for cross-border cases, Mifundo helps banks meet CCD2's requirements for thorough, non-discriminatory creditworthiness assessments without redesigning their existing risk models or workflows.
Banks can access Mifundo via a single API or through a user-friendly online platform. Integration is fast and seamless with no complex IT development or high-cost implementation required.
Yes. Mifundo provides structured, standardized data via API or dashboard and in many cases also allows access to the original credit bureau report, subject to bureau availability and consent.
Yes. If an applicant has lived or worked in multiple countries, Mifundo can combine data from those jurisdictions into a single, standardized view of their credit history and liabilities.
We use a fully compliant consent process, enabling consumers to authorize access to their credit data from other countries. This data is then standardized and securely transferred via our platform, with no friction for the end user or bank.
Yes. Mifundo is fully GDPR-compliant, holds ISO/IEC 27001 certification (specific to financial data security), and implements bank-grade encryption and security protocols across all services.
Integration with Mifundo is typically completed within days. Our single API is designed for fast deployment, and our team supports your tech team end-to-end. Many banks begin with our web based data platform for immediate usage while API integration is underway.
Mifundo doesn’t replace your existing bureau relationships. We enhance them by giving you cross-border access in a single place, without new contracts in each country. Think of us as your one-stop gateway to the international credit ecosystem.
Mifundo operates on an opt-in basis and customers are motivated to share their data if it improves their loan chances. Our UX is designed to be frictionless and trust-building, increasing the likelihood of consent.
Yes. Open banking shows current accounts and transactions but misses credit bureau data like hidden liabilities, delinquencies, or long-term payment behavior. Mifundo combines both worlds to deliver 7x more accurate credit risk insights than open banking alone.

Connect to Europe’s first standardized cross-border credit scoring system.
Tap into the €800B cross-border lending market and reduce foreign credit risk by up to 7×.
Book a demo

