Keep your financial history wherever you go

Mifundo enables instant access to banking and credit services for those moving within Europe – so no one has to start over.

Verified & Passportable Financial Identity

Whether you’re moving for work, returning home after years abroad, or buying property in another country, Mifundo ensures your financial history moves with you. No need to start over – your reputation and creditworthiness is always recognized by banks across borders.

Use financial services in a new country from day one

Moving to a new country within the EU shouldn’t mean starting over with your financial services. With Mifundo, you can bring your verified credit data with you, enabling you to access loans, mortgages, and other financial services from the moment you arrive. Whether you’re relocating for work or personal reasons, Mifundo ensures you have the tools to make financial decisions quickly and securely, no matter where you go.

Have you tried to make an investment in EU?

Investing in the EU can be a great opportunity, but cross-border financial barriers can make the process complicated. Mifundo breaks down those barriers by providing banks and investors with verified, portable credit data, enabling investment opportunities across the European countries. Whether you’re interested investing in real estate, business investments, or other assets, Mifundo gives you the flexibility to make informed decisions and move forward with confidence.

Buy a house or take a mortage loan across EU

Dreaming of owning property in another EU country? With Mifundo, it's reality. We simplify the mortgage application process by allowing you to transfer your credit history from your home country, giving banks the confidence they need to offer you a mortgage loan. Typically, it takes up to two years for your credit history to be recognized in a new country, but with Mifundo’s verified data, cross-border property purchases become easier, faster, and more secure—whether you want to buy a summer house or a permanent residence in Southern Europe.

Designed specifically for cross-border professionals

Mifundo was created from personal experience—we understand the challenges faced by people moving across Europe. Our goal is to solve the issues caused by fragmented credit data, ensuring that you can live, work, and move freely across Europe without financial barriers or limitations.

Keiu

Moving back to Estonia after 16 years in Spain

After living in Spain for 16 years, Keiu moved back to Estonia. Despite having a strong credit history and a stable income, her mortgage application was rejected by local banks. The banks told her to wait at least two years to build a new local credit history. Keiu was left with difficult choices: Should she wait and rent for two years, or buy something more affordable and start renovating, which could end up being more expensive in the long run? Thanks to Mifundo’s solution, which standardizes cross-border credit data, banks can now fairly assess the creditworthiness of returning expats like Keiu. This ensures that people like her don’t have to face unnecessary delays or make costly compromises when returning to their home countries.

Johan

Journey to owning a summer house in Spain

Johan, a typical Scandinavian who dreams of owning a summer house in Spain, is facing challenges accessing the necessary financial services. He wants to purchase a property, spend several months from year living there, and potentially rent it out on Airbnb when he's not using it. However, without access to local banks and credit services, making this dream a reality seems almost impossible. As an expat, Johan has a solid credit history in his home country, but it doesn’t translate into Spain, where he would need to apply for a mortgage or a loan to finance the purchase. Traditional banks are hesitant to lend to non-residents without a local credit history, leaving Johan with limited options.

Questions & Answers

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