How to provide your information with Mifundo

Mifundo lets you securely share the information your bank needs in less than 10 minutes. Below, we'll walk you through exactly what to do, then answer the questions you probably have: why your bank uses Mifundo and how your data is protected.

How it works for borrowers

Three steps, start to finish. Click any step to see what it involves.

1. Give consent

This is where your journey begins. When you open the link in your email, you'll see exactly what Mifundo is asking permission to access. Review the consents, agree, and continue. Nothing happens with your data until you give the go-ahead.

2. Verify your identity

Next, we confirm it's really you. You can verify your identity in a couple of minutes using a photo of your ID and your phone's camera, the same quick check you'd do when opening a bank account. It keeps your information protected and accessible only to you.

3. Complete your tasks

Last, you'll get a personalized list of what your bank needs, which changes depending on your country and situation. That might mean confirming your address, connecting an account, uploading a document, or adding an ID number. Work through each item and you're finished.

What you get with Mifundo

A secure way to share your information

Your data travels to your bank over a secure, bank-grade connection, and it's only ever shared after you give your explicit consent. Nothing moves without your agreement.

No documents for you to track down

There's nothing to figure out yourself. No PDFs to hunt for, no credit bureaus to find, and no lawyers to hire. Mifundo gathers everything that's needed for you.

All done in less than 10 minutes

The whole process takes less than 10 minutes, instead of the weeks the old way demanded: chasing documents, endless back-and-forth, and repeated trips to the bank.

One single API

One integration unlocks access to credit information across multiple European markets, eliminating the need for country-specific partnerships.

Flexible system

Our modular service adapts to different credit products and risk management workflows.

Frictionless UX

A seamless process that reduces friction for customers, making it easier to provide the necessary information and complete the credit application with minimal delays.

Go-to solution for expats

Ensures financial continuity for mobile Europeans, allowing them to access financial products using their existing credit history.

Differentiate from competitors

Offer innovative cross-border credit services that traditional banks can't, unlocking access to the €719B expat lending market.

Multi-country report

One report. Multiple countries. We combine data from different national sources into a single, easy-to-use credit report—giving you a complete picture of the borrower’s financial history.

Joint applicant reports

One report. Two applicants. Access combined credit data for borrower and co-borrower —streamlining decisions for joint applications.

Questions & answers

Can’t find the answer you’re looking for? Please email us support@mifundo.com or call us +372 5333 4248.