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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
Unlock the power of cross-border lending
Raise your business volume by 15%
Our partner banks have confirmed that foreign customers make up 10-25% of their portfolio.
Reduce the credit risk of foreigners up to 7x
Reduce your credit risk by up to seven times. Improve your loan performance by using data-driven insights in your risk management strategy.
Cut lead times from days to minutes
Improve UX by making customer interactions easier with our simple financial identity verification, providing a faster, smoother and paperless experience both for your customers and employees.
Stay CCD2-compliant from day one
Access reliable foreign credit data to meet CCD2 cross-border creditworthiness requirements and lend confidently to EU customers from any member state.
How much growth and risk reduction are you missing?
On average, banks say 10–25% of their portfolio includes foreign customers. What’s the number for you? This helps estimate the additional revenue Mifundo could unlock. We also support better credit decisions, lower fraud risk, and improved data visibility across borders. Risk officers can use a dedicated calculator to assess the potential impact.
Verified & Passportable Financial Identity
Eliminate lengthy verification processes
Access a complete view of your client’s credit profile
Serve previously unserved clients profitably
How it works for banks
From request to report: a seamless 3-step process to access verified financial data across borders.
1. Create a new request
2. Customer completes the flow
3. Receive the report
What banks say about Mifundo
From active banking partners (anonymised for confidentiality)
Oliver L.
Liisa N.
Liisa N.
Paula T.
Paula T.
Feedback from banks that use Mifundo
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.
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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.
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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
