Updated October 17, 2026 · VaultCue Editorial Team
Bigbank FI vs Salt Bank
Bigbank FI
Salt Bank
Higher score in this comparison
Where Bigbank FI and Salt Bank differ
| Compare | Bigbank FIReviewVisitVisit | Salt BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 2.5% | 5.3% to 5.9%Higher |
| Deposit protection | Up to 100,000 EUR per customer | EU DGS up to EUR 100,000 |
| Access terms | Ei kuluja tai nostorajoituksia | 3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB |
| Account kind | Easy access | Fixed |
| Rate type | Not confirmed | Fixed |
| Term | Not confirmed | 3 to 12 months |
| Minimum deposit | Not confirmed | RON 500 |
| Monthly fee | Not confirmed | RON 0 |
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Key differences
- Salt Bank scores higher overall: 9.5 vs 8.0.
- Headline rate is higher at Salt Bank: 5.3% to 5.9% vs 2.5%.
- Support channels: only Salt Bank offers Chat.
- Pricing model: only Salt Bank offers Low FX.
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.
Salt Bank
Salt Bank is built for expats and travellers who bank across Romania and further afield: 19 currencies sit on the same account, local receiving details are iban, and Banca Nationala a Romaniei supervises the bank, with a savings option alongside that pays out at maturity. It scores 7.7 in the comparison.
Score breakdown
| Area | Bigbank FI | Salt Bank |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania. |
| Offer | Not confirmed | 9.5A fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000. |
Where each is licensed and available
| Country | Bigbank FI | Salt Bank |
|---|---|---|
| Romania | Not confirmed | Banca Nationala a Romaniei (National Bank of Romania) P.J.R. 40-043 |
A third option
AU Small Finance Bank has headline rate at 6.75%, against 2.5% for Bigbank FI and 5.3% to 5.9% for Salt Bank.
AU Small Finance Bank reviewSources behind this comparison
Bigbank FI
- bigbank.fi: 6 facts, checked October 17, 2026
Salt Bank
- salt.bank: 12 facts, checked September 26, 2026
How they place
| Ranking | Bigbank FI | Salt Bank |
|---|---|---|
| Savings accounts | 38 of 1420 | 73 of 1420 |
| Fixed-rate bonds and CDs | 6 of 188 | 14 of 188 |
Every fact side by side
| Fact | Bigbank FI | Salt Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Legal entity | Bigbank AS | Salt Bank S.A. |
| Headquarters | Not confirmed | Romania |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bigbank FI | Salt Bank | Median |
|---|---|---|---|
| Headline rate | 2.5%below the median | 5.3% to 5.9%highest quarter | 3.25% |
| Term | Not confirmed | 3 to 12 monthsbelow the median | 24 |
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
Salt Bank
Pros
- Help is available by email, chat and phone.
- Cash withdrawals come with a free allowance of RON 900.
- Term deposits run in RON, EUR or USD and the interest lands in the current account at maturity.
Cons
- The service is digital only, per free atm and digital only, so there is no branch counter for cash or paperwork.
- Local receiving details are iban only, which limits how money can be received from other markets.
- The fixed deposit needs a minimum of RON 500 and ties the money up for the whole term.
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
Salt Bank
Who it suits
- Expats and travellers named under expats and travelers, who want local and overseas money in the same account.
- Anyone paid in and out in Romania, since 0 commission for incoming and outgoing payments in Romania there.
- Savers who can wait for interest at maturity and collect it in the current account.
Who should look elsewhere
- Not a fee-based decision: Skrill charges €0 a month and eToro £0, so price alone does not separate them.
- Not for people who need UK sort code or US routing numbers for incoming pay, since local details are iban only, the gap to weigh against PayPal Colombia.
Current offers
Salt Bank
Current offer
First period offer
Prima luna este gratuit (first month free): First month of any Salt plan free
Applies to the Salt, Salt Everyday and Salt Premium plans on opening
Source, checked September 26, 2026
Bonus
13-lea salariu (13th salary campaign): An extra salary when you bring your salary to Salt
Source, checked September 26, 2026
Country by country
| Country | Bigbank FI | Salt Bank |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
8 of 10 countries where either is available.
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.
Salt Bank
What does a Salt Bank account cost?+
The monthly fee is RON 0 and the currency conversion fee is 0%, so there is no monthly or conversion charge to budget for. Payments in and out in Romania run at 0 commission for incoming and outgoing payments in Romania, and cash withdrawals include a free allowance of RON 900. The conversion fee sits at rank 1 among the brands compared.
Is my money protected at Salt Bank?+
Deposits are covered by EU DGS up to EUR 100,000, so a balance up to that limit is repaid by the scheme if the bank fails. The Romanian guarantee fund FGDB guarantees deposits per depositor as well, and the bank answers to Banca Nationala a Romaniei under licence P.J.R. 40-043.
Other options to compare
Other matchups
Related by the facts
Bigbank FI
Salt Bank