The single source for pan-European credit data
The single source for pan-European credit data
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.
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
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
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.
Joint applicant reports
One report. Two applicants. Access combined credit data for borrower and co-borrower —streamlining decisions for joint applications.
Built to meet EU rules, today and tomorrow
Regulated and licensed
Aligned with EU priorities
Recognised and trusted
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
