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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How it works

Partnering with

Unlock the power of cross-border lending

45M

multi-country people in Europe

10%

of EU population

€719B

potential loan value

15%

of bank's loan portfolio

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.

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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.

How it works

From request to report: a seamless 3-step process to access verified financial data across borders.

1. Create a new request

Creating a new request is where the journey begins. You can easily create a new data request by entering the customer’s email, selecting the country the data should come from, and choosing the needed data package.

2. Customer completes the flow

Once the request is submitted, Mifundo sends an email to the customer with a secure link to start the process. The customer email explains the reason for the email, outlines next steps and collects all the necessary information.

3. Receive the report

After the customer has provided all the information, you will see it in data report. From the report you'll find basic information such as the credit score, total liabilities, and any warnings. But you can also dive deeper into personal details, income, liabilities, credit information, and additional insights.

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

Credit bureaus

We have contracts to credit bureaus all over the Europe. This means you don't have to do it yourself, saving time, money and effort.

Standardized data

Mifundo unifies diverse credit data from multiple countries into a single, standardized format. Banks receive consistent, structured insights, eliminating the complexity of interpreting foreign credit reports.

Pan-EU credit score

Our standardized credit scoring model aggregates data from multiple credit bureaus and financial sources, enabling fair and accurate assessments.

Compliance

Mifundo ensures compliance with local and EU rules, handling country-specific data access, so banks can focus on lending.

Open banking

Access real-time transactional data across multiple EU countries, providing valuable insights into the financial profiles of foreign applicants.

Real-time credit data

Our standardized credit scoring model aggregates data from multiple credit bureaus and financial sources, enabling fair and accurate assessments.

Download raw data

Banks can access raw credit history and financial data to apply custom risk models.

Reciprocal reporting

Supports compliant back-reporting to national credit bureaus when using foreign data - meeting reciprocity obligations and reinforcing cross-border trust.

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.