Finteres review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finteres suits freelancers who want a fixed deposit without a monthly charge, pairing a headline rate of 0% to 36% with a €100 entry point. The variable rate and the short term are the price of that deal, and the money is tied up while it runs.
Key facts
- Best for
- A fixed deposit with no monthly charge for freelancers who can start at €100.
- Headline rate
- 0% to 36%↗
- Rate type
- Variable↗
- Term
- 3 to 4 months↗
- Minimum deposit
- €100↗
- Access terms
- Free online comparison and pre-application service, available 24 hours a day, 7 days a week, no branches or paperwork↗
- Monthly fee
- €0↗
- Account kind
- Fixed↗
- Legal entity
- Fininity OU↗
- Headquarters
- Estonia↗
- Support channels
- Email, Phone↗
- Pricing model
- No monthly fee
- Official website
- finteres.es
Pros and cons
Pros
- A headline rate of 0% to 36% against a 3.08% median across the savings ranking.
- The 3 to 4 term is a short lock-in, well below the 12 median term in the same ranking.
- Among the listed features is no credit check, so a credit check does not stand between the comparison and the application.
- Getting started runs entirely online, with a free comparison step before any application and no branches or paper forms to visit.
- The headline rate of 0% to 36% reaches above 24.19% at Plazo ES and 21.59% at AXI Card.
Cons
- The €100 minimum is the real entry cost, above the €0.17 median minimum in the savings ranking, and Finteres ranks 306 of 370 brands on that measure.
- The variable rate can move, so the 0% to 36% headline is not guaranteed for the whole 3 to 4 term.
- Savings sit in a fixed account, so there is no easy-access balance to draw on during the 3 to 4 term.
- Support runs on email and phone only, against 86.1% of the brands across the site carrying a help centre.
Who it suits
- Freelancers, the audience the terms name as freelancer, who want a fixed deposit without a running charge.
- Savers who can set aside €100 and are comfortable with a variable rate across 3 to 4.
- Readers who want to weigh a 0% to 36% headline rate before committing, through a free pre-application service.
Who should look elsewhere
- Anyone who wants a spendable wallet balance: Finteres places money in a fixed account for 3 to 4, so PayPal Colombia is the nearer fit for everyday cash.
- Card borrowers: Plazo ES and AXI Card list 24.19% and 21.59% on card products, while Finteres offers a deposit.
- Readers who want their balance back on demand: the 3 to 4 term and the fixed account mean the money stays put, so Plazo ES, at 24.19%, is the alternative to check.
Access to your money
Access runs online: a free comparison and pre-application service, open around the clock, with no branches and no paperwork, so nobody needs to visit anyone or fill in paper forms before seeing the offer. Once money is placed, the window is set, and the terms give that window as 3 to 4. The rate attached to it is variable, which says whether the headline figure can move while the money sits there. For a finance reader the appeal is speed and no upfront cost, and the trade-off is that the money is committed for the term once you go ahead.
Fees and currency costs
Two figures do most of the work on cost. The running charge on the account is a monthly fee of €0, so there is no ongoing cost attached to keeping the balance open. The one-off figure is the minimum deposit of €100, the sum you need in place before the account starts. Between them they set the real entry cost, and the minimum deposit is what puts Finteres among the costlier ways in on the shortlist, which matters most for a reader placing a first balance.
Rates and terms
The headline rate is 0% to 36%, the number that stands out on the page. The rate type is variable, so treat it as a moving figure rather than a locked one, and the term is 3 to 4. Those two together shape the product: money is placed for a short, defined window at a rate that can change inside it. Readers who need a guaranteed return for a known period should weigh the variable label heavily. Readers who can accept movement get one of the higher headline rates among the brands on the shortlist.
Who runs it
The service operates under Fininity OU, based in Estonia. That legal name is the party behind the terms, so it is the first place to check the contract details and who is accountable. Support runs on email and phone, which means a written query and a spoken one are both open, and the comparison side is reachable around the clock. For a finance reader the useful points are simple: one named legal entity, one base country, and contact routes that include email and phone.
How Finteres compares
8.6 vs 8.6
8.6 vs 9.5
8.6 vs 8.0
8.6 vs 8.9
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 9.1
8.6 vs 8.9
8.6 vs 8.7- 8.6 vs 8.0
8.6 vs 9.0
8.6 vs 8.1
8.6 vs 8.7
8.6 vs 8.0
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.0
8.6 vs 8.7
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 9.0
Where Finteres is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What will Finteres cost me?+
The account carries a monthly fee of €0, and Free; no fee for the loan selection service. The one real entry cost is the minimum deposit of €100 before the 3 to 4 term starts. Nothing in the listed charges points to a running cost once the money is placed.
What rate do I get, and how long am I tied in?+
The headline rate is 0% to 36% and the deposit runs for 3 to 4, which is shorter than the 12 median term in the savings ranking. The rate type is variable, so the figure is not a guaranteed return for the whole window.
Who runs Finteres, and where is it based?+
The service operates under Fininity OU, with its base in Estonia. Support runs on email and phone, so a written question and a spoken one are both covered. Those are the contact routes on the terms, which matters if you want the contract and the paperwork trail in one place.
Do I need a credit check to start?+
Getting started happens online at any hour, with no branches and no paper forms, and the comparison step before an application costs nothing. The listed features include no credit check, so a credit check does not stand in the way, and the 0% to 36% headline rate can be read before any commitment.
What kind of account is it?+
It is a fixed deposit, so the money is placed for a set stretch rather than kept on call. The term runs 3 to 4 and the rate is variable. Readers who want same-day access to a balance are looking at a different product.
Who is Finteres aimed at?+
The audience listed for the service is freelancer. That shapes who the terms are written for: self-employed readers placing money for 3 to 4 while income varies. The €100 minimum suits freelancers who can set that amount aside for the term.
How do I move money in and out?+
Transfers use a local IBAN, listed under iban, so incoming payments follow a standard format. The selection service adds nothing on top, as Free; no fee for the loan selection service shows. Money placed stays put for the 3 to 4 term, because the account is fixed.
How does the headline rate compare with the other brands here?+
Against the savings ranking, the 3.08% median is the yardstick, and Finteres lists 0% to 36%. The other names on the shortlist sit at 24.19% for Plazo ES, 21.59% for AXI Card and 3.3% for PayPal Colombia.
Sources
- finteres.es checked September 26, 2026
Backs: Audience, Features, Transfer fee
- finteres.es checked September 26, 2026
Backs: Access terms, Minimum deposit, Monthly fee
- finteres.es/politica-de-privacidad checked September 26, 2026
Backs: Local account details, Support channels
“Correo electronico: compliance@finteres.es ... Telefono: 900 293 183”
- finteres.es/terminos-y-condiciones checked September 26, 2026
Backs: Account kind, Headline rate, Headquarters, Legal entity, Pricing model, Rate type, Term
“direccion: Paadi tee 3, Haabneeme, 74001, Estonia”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.