Updated October 17, 2026 · VaultCue Editorial Team
Bigbank FI vs EstateGuru
Bigbank FI
EstateGuru
Higher score in this comparison
Bigbank FI vs EstateGuru: the differences
| Compare | Bigbank FIReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 2.5% | 7%Higher |
| Deposit protection | Up to 100,000 EUR per customer | EU DGS up to EUR 100,000 |
| Access terms | Ei kuluja tai nostorajoituksia | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Account kind | Easy access | Fixed |
| Rate type | Not confirmed | Fixed |
| Minimum deposit | Not confirmed | €100 |
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Key differences
- EstateGuru scores higher overall: 8.8 vs 8.0.
- Headline rate is higher at EstateGuru: 7% vs 2.5%.
- Support channels: only EstateGuru offers Chat.
- Pricing model: only Bigbank FI offers No monthly fee.
- Pricing model: only EstateGuru offers Fixed rate.
Our verdict on each
Bigbank FI
Bigbank in Finland is a savings provider offering flexible accounts and fixed term deposits alongside vehicle financing. For people who want plain saving choices with online handling and helpful support, it gives a clear and steady place to save.
EstateGuru
EstateGuru lends investors a share of property loans, so returns depend on borrowers repaying rather than on deposit interest alone. It suits savers who can leave money in fixed loans to the end, with a 7% headline above the 6% fixed-rate bond median.
Score breakdown
| Area | Bigbank FI | EstateGuru |
|---|---|---|
| Cost | Not confirmed | 8.3 |
| Offer | Not confirmed | 9.8Offer scores 9 on the fixed rate fixed book, above the 3.08% savings median. |
| Trust | Not confirmed | 8.6 |
How they place
| Ranking | Bigbank FI | EstateGuru |
|---|---|---|
| Savings accounts | 38 of 1420 | 30 of 1420 |
| Fixed-rate bonds and CDs | 6 of 188 | 3 of 188 |
The bill, worked out
10,000 saved for 12 months
Bigbank FI
250
2.5% of 10,000
EstateGuru
700
7% of 10,000
EstateGuru comes out 450 higher in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
A third option
Amonatbonk has headline rate at 13%, against 2.5% for Bigbank FI and 7% for EstateGuru.
Amonatbonk reviewEvery fact side by side
| Fact | Bigbank FI | EstateGuru |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Legal entity | Bigbank AS | Estateguru OU |
| Headquarters | Not confirmed | Estonia |
| Founded | Not confirmed | 2013 to 2014 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bigbank FI | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 2.5%below the median | 7%highest quarter | 3.25% |
| Minimum deposit | Not confirmed | €100above the median | €1 |
Median across 658 listed accounts.
Pros and cons
Bigbank FI
Pros
- Savings account alongside fixed term deposits for different goals
- Fixed term option with a steady return through market changes
- Flexible saving shaped for everyday deposits and withdrawals
Cons
- Focused range built around saving and instalment financing
- Fixed term saving asks you to stay for the agreed period
- Online account handling with no branch service mentioned
EstateGuru
Pros
- Deposit protection is EU DGS up to EUR 100,000.
- Support runs on email, chat and phone.
- Estateguru OU is an Estonian provider, founded 2,013 to 2,014.
Cons
- Portfolio loans cannot be sold on the secondary market until the borrower has repaid, so a fixed holding stays put while the book runs.
- A completed account is needed before funding a fixed rate book, and interest arrives monthly rather than as a payout at maturity.
- The €100 minimum ranks 306 of 370 on minimum deposit, so entry is not among the smallest on the site.
Who each suits
Bigbank FI
Who it suits
- People starting a simple savings habit
- Small businesses putting funds aside
- Planners considering vehicle financing too
Who should look elsewhere
- People wanting a wide investment or daily banking range
EstateGuru
Who it suits
- Investors with a completed Estateguru account who want exposure to property loans rather than bank deposits.
- Savers able to commit €100 or more and leave it working while loans are repaid.
- People who prefer a fixed return credited monthly over a variable savings rate.
Who should look elsewhere
- Plazo ES, if you would rather borrow than fund loans, at a 24.19% rate on a card product.
- PayPal Colombia, if a 3.3% digital wallet balance suits your cash better than a fixed rate loan book.
- AXI Card Tarjeta y Credito, whose 21.59% rate is for card and credit rather than for money locked into property loans.
Questions about each
Bigbank FI
What products does Bigbank offer in Finland?+
Bigbank in Finland centres on saving solutions with a savings account and fixed term deposits. It also provides vehicle financing and product financing. You can pick flexible saving or a fixed term for longer plans.
How do you manage your account online?+
You handle your saving through online banking. The service lets you look after deposits and agreements without visiting a branch. Guidance and security advice are provided to help you use it with confidence.
EstateGuru
What rate does EstateGuru pay?+
The headline rate is 7% and it is fixed, so the return is set when the loan book is funded. Interest is credited monthly to your account rather than held to the end. The fixed rate book sits above the 3.08% savings median and the 6% bond median.
Is my money protected if something goes wrong?+
Deposit protection is EU DGS up to EUR 100,000, the EU deposit guarantee scheme. Estateguru OU is registered and supervised in Estonia by Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) under 4.1-1/48. Because you fund loans rather than hold a deposit, check how the scheme treats the loans you buy.