Frequently asked questions

FINANZINTER is a digital financial platform that offers personal loans, mortgages, and credit cards. We simplify access to financial services with a transparent and personalized approach.

Our services are available to any adult residing in the European Union, with a valid ID and a regular income. Specific conditions may apply depending on the product chosen.

Yes, FINANZINTER is fully regulated and complies with all European financial directives. We are registered with the relevant financial authorities and undergo regular audits.

Creating an account is simple: click "Apply" on any page, fill out your personal information, verify your identity, and you're done. The process takes less than 5 minutes.

For a standard application, you will need a valid ID, your last three pay slips, your latest tax notice, and a bank account statement. For a mortgage, additional documents may be required.

Our team is committed to processing your application within 24 to 48 business hours. For personal loan applications, you may receive a response the same day.

Yes, you can submit several applications simultaneously. However, each application will be evaluated independently based on your overall debt capacity.

Main criteria: be of legal age, reside in the EU, have a regular income, and have a reasonable debt-to-income ratio. Each product has specific conditions detailed on its page.

Yes, early repayment is possible at any time. Depending on your contract, minimal fees may apply. Contact your advisor for details specific to your situation.

We accept direct debits, bank transfers, and online card payments. You can choose your preferred method when setting up your repayment schedule.

In case of difficulty, contact us immediately. We offer flexible solutions such as rescheduling or temporary payment suspension. Late fees may apply after the grace period.

Yes, you can modify your direct debit date once per year at no additional cost. Contact your advisor or make the change via your personal space.

Once you receive your card, activate it via your personal space or by calling our dedicated service. Activation is immediate and you can use your card right away.

Classic is free with basic features. Gold (€9.90/month) offers higher limits and travel insurance. Platinum (€19.90/month) is our premium card with unlimited limits, VIP concierge, and airport lounge access.

Yes, you can upgrade or downgrade your card tier at any time. The change takes effect on your next billing cycle. Upgrades are immediate, downgrades apply at renewal.

Block your card immediately via the mobile app or by calling our 24/7 emergency line. A replacement card will be sent within 48 hours. You are covered against fraudulent use.

We use bank-level encryption (AES-256) for all data at rest and in transit. Our infrastructure complies with GDPR and PCI DSS standards. Regular security audits are conducted by independent firms.

Two-factor authentication (2FA) adds an extra layer of security. In addition to your password, you must validate your identity via a code sent by SMS or generated by an authentication app.

If you notice suspicious activity on your account, contact our security team immediately at security@finanzinter.com or call our emergency hotline. We will investigate and secure your account within 24 hours.

Absolutely. All transactions are protected by 3D Secure technology, real-time fraud monitoring, and instant SMS notifications. You are also covered by our zero liability policy against unauthorized transactions.