Säästöpankki Visa Gold Credit/Debit credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Säästöpankki's Visa Gold costs €8/month in the example bank, and includes travel insurance without paying with the card and 3 LoungeKey visits per year. The effective annual interest rate (APR) is 34.17% in Säästöpankki's €1,500 example, because the calculation includes monthly and invoicing fees.
Effective annual interest rate (APR)
34.17% effective annual interest rate (APR)
On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals."
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
Säästöpankki Visa Gold Credit/Debit: price
| Monthly price | €8.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | The monthly fee is specific to each savings bank. Example bank Säästöpankki Optia (price list valid from 1.1.2026): €8.00/month; -25% for a preferred customer, -50% for a key customer and under 27s. |
| Who can apply | At least 18 years old, creditworthiness and regular income. |
Credit terms
| Credit limit up to | €20,000 |
|---|---|
| Interest margin | 10.50% |
| How the interest is set | 3-month Euribor + 10.5%, invoicing fee €4.00/invoice. Credit limit €4,000-20,000. Two payment-free months per year. No interest-free period is stated on the product page. |
Benefits
| Travel insurance | Travel insurance from Inter Partner Assistance S.A./AXA (traveller, baggage, travel liability and travel legal expenses insurance) for cardholders under 80 and family members under 20 travelling along, valid domestically and abroad on holiday trips of up to 3 months regardless of how the trip was paid for. Rental car excess cover when the rental is paid with Gold's credit feature. The insurance provider changed on 31.12.2025. |
|---|---|
| Lounge | LoungeKey: 3 free visits per calendar year (can also be used for a travel companion), additional visits €30/person. |
| Withdrawals abroad | Säästöpankki Optia: cash withdrawals with the credit feature in euros or foreign currency €2.00 + 3%; from a bank account in foreign currency €2.00 + 2.5%. |
| Currency conversion markup on card payments | 2.75% |
| Purchase protection | AIG's purchase protection insurance: products over €50 bought with the credit feature, 180 days, up to €2,500, no excess. |
|---|---|
| Cashback or points | No cashback. |
| Other | Your own picture can be chosen for the card, Visa's Eligible cards benefits. |
Bank and packages
Related guides
Sources
- Säästöpankki: Visa Gold Credit/Debitretrieved 16 October 2026
- Säästöpankki Optia hinnasto-ote henkilöasiakkaat, voimassa 1.1.2026 alkaen (PDF)retrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does Säästöpankki Visa Gold Credit/Debit cost?
In October 2026 Säästöpankki Visa Gold Credit/Debit costs €8.00/month. The monthly fee is specific to each savings bank. Example bank Säästöpankki Optia (price list valid from 1.1.2026): €8.00/month; -25% for a preferred customer, -50% for a key customer and under 27s. Effective annual interest rate (APR) 34.17% (example: On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals.").
What is the effective annual interest rate (APR) of Säästöpankki Visa Gold Credit/Debit?
In October 2026 Säästöpankki Visa Gold Credit/Debit: Effective annual interest rate (APR) 34.17% (example: On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals."). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does Säästöpankki Visa Gold Credit/Debit include?
In October 2026 Travel insurance: Travel insurance from Inter Partner Assistance S.A./AXA (traveller, baggage, travel liability and travel legal expenses insurance) for cardholders under 80 and family members under 20 travelling along, valid domestically and abroad on holiday trips of up to 3 months regardless of how the trip was paid for. Rental car excess cover when the rental is paid with Gold's credit feature. The insurance provider changed on 31.12.2025. Lounge: LoungeKey: 3 free visits per calendar year (can also be used for a travel companion), additional visits €30/person. Cashback or points: No cashback. Currency conversion markup on card payments: 2.75%. Effective annual interest rate (APR) 34.17% (example: On Säästöpankki's product page: "The effective annual interest rate (APR) of card credit, calculated for a credit in use of €1,500, is 34.17% (9/26). The calculation takes into account the monthly invoicing fee of €4.00 and assumes that the savings-bank-specific monthly fee of the Visa Gold card is €8.00, the credit period is one year, the invoicing fee remains the same throughout the credit period and the credit is repaid in 12 equal instalments at monthly intervals.").