Smsraha.ee
Estonian financial service offering credit cards and instalment loans with cashback features.
What customers love
- 45-day interest-free period on Black card
- Cashback transferable directly to bank account
- Low monthly fee compared to other banks
Worth noting
- Loan applications rejected without explanation, even for small amounts
- Rigid attitude toward clients facing medical emergencies, no flexibility
Best for
Frequent travellers seeking a low-fee card with interest-free periods and cashback.
Attribute scores
Recent reviews
They refuse to grant even a small loan of €200 without explanation. A rotten loan sharking company.
I use the Black card! It's nothing but a plus. 45 days interest-free, it's always a lifesaver. It's simple, convenient, and the monthly fee is the lowest of any bank. The service is excellent!
I used the installment plan through Placet Group, which offered me very favorable terms, low interest, and a convenient repayment period. I plan to use more installments through this company in the future.
I've been using the White Card for several months now. I like that I can use it abroad, as I travel a lot. I'm also happy that the updated system now allows you to transfer accumulated cashback to your bank account, which is convenient. I'll continue using it.
Terrible attitude towards the client! Try to get to the hospital in a critical condition, miss a month of payment, notifying!!! from the hospital, and you will face such a nasty attitude towards yourself, no compromises! Only negativity after communicating with these robots!