Banking
Estonia — Banking: Credit History
Estonia has a well-developed banking system with a credit register (Krediitinfo) that contains information on credit history, although it is not publicly accessible.
VerifiedGovernment / official sourceBusiness bank account | Top tips for e-residentsLast reviewed: 2026-10-22
Key facts
- Estonia has a credit register (Krediitinfo) that contains information on credit history, but it is not publicly accessible.
Steps
- Checking Credit History — You can request a credit report from a credit agency, but you must be the individual or have explicit permission to do so.
Costs
- Credit report: €5-10
Timelines
- Time to receive credit decision: varies, typically 1-7 business days
Required documents
- ID document
- Proof of income
- Proof of residence
Common mistakes
- Providing inaccurate personal or financial information
- Not checking credit history before applying for credit