© 2020. Holm Bank AS
Holm App is a digital credit card app for online shopping worldwide. It is useful at occasions when you want to purchase from an online shop, but prefer to pay over a longer timespan.
You apply for a loan and get a virtual MasterCard with a personalized credit limit for 7 days. After you confirm the transparent repayment schedule and sign the agreement you are ready to shop online. The whole process happens conveniently in the app and takes only some minutes.
Yes, Holm app works in both, you can download it from Google Play and AppStore.
Yes. Holm Bank AS (trademark Holm) is an Estonian credit institution licenced by European Central Bank and acting under Estonian FSA (Financial Supervisory Authority) supervision, primarily focusing on consumer credit business.
You can download the app in AppStore or Google Play.
Yes, you can – you can choose a repayment schedule of 3, 6, 12, 24, 36, 48 or 60 months according to your wishes and possibilities.
Our app is protected and secured by your passwords and your personal BankID codes and 3D code. We assume that your mobile phone is also protected with a code and you keep all your codes safe. You can block the online card in the computer and you are always welcome to contact to us and we help you.
You can apply for a loan limit beween SEK 5000 and SEK 150 000.
The whole process from the beginning takes only minutes.
Your monthly repayment amount depends on your shopping amount and repayment schedule. The longer the period the lower the monthly payment and vice versa. The minimum repayment amount should be 300 SEK.
Credit can be applied by adult citizens of the Kingdom of Sweden and people permanently residing in Sweden.
Holm Bank is a responsible lender and we consider each application individually. Refusing your application may be due to many different factors, but most common reason is a negative credithworthiness assesment.
Holm digital credit card is for online shopping. It can be used in any online shop worldwide that accepts credit cards as a payment method.
You can restore your 3D pin in our app.
We take credit information through Creditsafe and Bisnode and do not use UC.
No, we only apply interest rate, there are no additional fees.
Please contact Holm customer service.
We kindly ask you to contact Holm customer service at your earliest convenience to seek for a solution. In case of longterm debt interest and surcharges will be added, and as the last resort, the debt will be handed over to the collection agency, which would further increase the amount payable.
You can repay early, just send an e-mail to our customer service stating the date when you want to repay and we shall let you know how to do it via Trustly.
According to the regulations imposed on credit institutions banks must follow certain due diligence and know-your-customer rules to be able to prevent money laundry, terrorism and other elements of foul play. Therefore we are obliged to request and you have an obligation to provide additional information, including a document with a picture, such as a passport or ID card issued by the Swedish Police.
You can choose to apply for a digital credit card or a payout to your bank account.
3D Secure code is a 2-step verification you are asked upon shopping online. You need to create the code when you start the apply process. If you have forgotten the code, you can restore it inside the app.
Holm digital credit card is valid for 7 days, after that the card expires. If you made purchases with the card, the repayment schedule will be created for you. If you did not use the card, you should apply again if you wish to use the card.
In order for the repayment schedule to be generated, all purchases must be confirmed by the merchant. Time for it varies and it depends only on the merchants.
You will get the repayment schedule after 7 days from receiving the money.
Your personal interest rate will be offered after you have applied.
Here is an example of an average loan calculation. Please be aware that your offer may differ from the current example.
For example: A loan of SEK 90 000 at 9,9% fixed annual interest rate with a repayment period of 24 months, with 24 monthly installments of SEK 4 148,89 and agreement fee of SEK 0 gives an annual percentage rate of a total of 10,39%. The total amount to be repaid is
SEK 99 573,36.
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Before entering into any agreement read the terms and conditions or consult with a specialist.