The exact amount due and all necessary payment details will be sent to your email. You can also find this information anytime in your self-service area under “My Loans” by selecting the contract and clicking “Pay”.

Each loan is a separate financial obligation and must be paid individually with the correct payment reference. Payment details are provided separately for each loan via email and can also be accessed through the self-service portal under "My Loans."

Invoices are sent to the email address specified in your personal data. The exact amount due can always be viewed in the self-service section under "My Loans" by selecting the relevant loan and clicking "Pay."
You can also contact our customer support to request a new invoice.

The e-invoice is sent directly to your online bank for more convenient payment. It includes all the necessary details for completing the payment.

You can order an e-invoice in the self-service portal under “Profile” → “Change data” by entering the bank account number where you'd like to receive e-invoices.

Sometimes payments may take longer to process than expected. You can always check the payment status in your self-service account.
To verify your payment, please send the payment confirmation to our email address info@placet.ee.

If you have paid more than the amount required for full repayment, please notify us by email at info@placet.ee, and attach the payment confirmation. We will contact you after receiving your message. A service fee for refunds applies according to the price list.

Consumer loan: If you paid more than stated on the invoice, the overpaid amount will be used to cover future installments of your loan.

Line of Credit: If you paid more than the invoiced amount, the overpaid amount will be credited to the principal of your line of credit and added to the available balance, which can be used again if needed.

Yes, you can always repay your obligation early, either in full or in part. If you wish to make an early repayment, please contact customer support to receive an accurate invoice. The amount required for early repayment as of the current date is also visible in your self-service under "My obligations" - "Pay".

Consumer loan: If you wish, you can pay more than the invoiced amount, and the overpaid amount will be applied to upcoming monthly installments. The invoices you receive will always indicate the exact amounts for prepayment for 2, 3, or 4 months.

Line of credit: Since the line of credit has no fixed payment schedule, prepayment for future installments is not possible. If you pay more than invoiced, the excess will be credited to the principal of the line of credit. If you make a payment before the 1st of the month (i.e., before receiving an invoice), the amount will be credited fully to the principal, not toward a future monthly payment.

Consumer loan: The repayment date cannot be changed.

Line of credit: The payment date can be changed in the “Line of credit” section of the self-service. Please note that the new date will take effect from the next month.

For consumer loans, you can reduce your monthly payment by extending the loan period. To do this, go to the “My contracts” section in self-service, select the loan you wish to adjust, click “Reduce monthly payment,” and choose a suitable term.
This option is not available for line of credits.

Consumer loan: If you're experiencing payment difficulties, you can extend the loan agreement by paying the current interest. Your payment date will be postponed accordingly. The extension fee is shown in the “My credits” section under “Pay.” Please note the amount changes daily.
When paying for an extension, include the loan contract number and the word "PIKENDAMINE" in the payment reference. This option can be used for up to 6 consecutive months.

Line of credit: In case of payment difficulties, you can apply for a payment holiday on the principal. During this time, only interest needs to be paid. You can activate the holiday for 1 to 6 months in the “Line of credit” section of self-service. The change takes effect from the following month.

Reminders are sent until the outstanding debt is fully paid. Once the debt is cleared, notifications will stop automatically.

If your debt has been transferred to a company for debt recovery (collection agency), If your debt has been transferred to a collection agency, please contact their representative to resolve the matter. If you have not yet been contacted, reach out to us and we will provide you with the necessary contact details.

If your debt has been referred to court, please contact our legal department by phone at 56994290 or 53014868, or via email at info@pginkasso.ee to discuss your case.

Any client with an active line of creditt can order a White credit card. Clients without an active line of credit must first apply to open one before ordering the card.

The White Placet Group VISA card offers a low monthly fee and cashback on every purchase. It can be used for everyday transactions both online and in-store.

Cashback is a bonus program for White cardholders. You earn a percentage of money back on every purchase made in stores, restaurants, beauty salons, or online—both in Estonia and abroad. Accumulated cashback can be viewed in the "Credit Card" → "My Cashback" section in your self-service. You can transfer it, fully or partially, to your settlement account.

The invoice is emailed on the 1st of each month. It includes interest on the used amount, the principal repayment, and a monthly fee ( according to the price list).

Any client can apply for a Black Placet Group VISA credit card. If you already have a White card, you can still apply for a Black card as well. Please note that the Black credit card is a separate financial obligation.

The main advantage of the Black card is an interest-free period of up to 45 days. This means you can repay the amount used during the previous month by a specified date without paying any interest.

An interest-free period means you can repay the amount spent without any interest. For the Black card, this period can last up to 45 days. If you make purchases during the month and repay the full amount by the 15th of the following month, no interest will be charged. (The exact date may vary depending on the calendar month.)

The invoice is sent via email on the 1st day of each month. It includes interest on the used amount, the principal repayment, and a monthly service fee ( according to the price list). Black cardholders can choose what percentage of the used credit limit they want to repay each month (from 10% to 100%). Example: If your credit limit is €2000 and you’ve used €350, and you’ve selected a 10% repayment rate, your monthly payment will be €35. This amount will cover part of the interest, part of the principal, and the service fee.

You can order a credit card through your self-service account. Select “Credit Card” and then follow the instructions. If approved, the card will be delivered to the specified address within seven working days.

In your self-service account, select “Credit card” and complete the application form. You can then choose how to receive your card: either at our office at F.R. Kreutzwaldi 4, Tallinn, or by mail to your home address. The card will arrive at your home address within seven business days.

It's possible that you entered an incorrect delivery address when ordering the credit card. If your card hasn’t arrived within the expected time, please contact customer support at 6630110.

When your card’s validity period ends, it will be automatically replaced. This service is free of charge.

The monthly fee for both white and black credit cards is set according to the price list.

You can activate your credit card only via the self-service portal by selecting “Credit Card” and following the instructions. To log in, use an ID card, Smart-ID, or Mobile-ID.

Credit cards that are not activated through self-service will be automatically blocked three months after they are ordered.

Yes, in the self-service section "Credit card," select "Temporarily suspend card." This option is for when you do not want to use the card but also do not wish to block it permanently. To resume using the card, go to the "Credit card" section and click "Restore suspended card."

In the self-service section "Credit card," select "Block the card" or contact our customer support at phone number 6630110.

In the self-service section "Credit card," select "Block the card" or contact our customer support at phone number 6630110. You can order a new credit card through your self-service account by selecting "Credit card," then "Order credit card" and following the instructions. A service fee applies according to the price list.

The PIN code will be sent via message to your phone number after activating the credit card in your self-service account.

You can change your PIN code in your self-service account. After the change, the new PIN must be activated. To activate it, insert your credit card into any ATM and enter the new PIN code. Once this is done, you can use the card with the updated PIN.

If you enter the wrong PIN code three times in a row, your credit card will be suspended. You can reactivate the card in your self-service account under the section "Credit card".

If you have forgotten your PIN code, please log into your self-service account, select "Credit Card," and choose "Remind PIN Code" from the service list. A service fee applies according to the price list.

The card allows you to perform all daily operations. Pay for purchases at stores or make online purchases, book flight tickets, or add the card as a payment method in any mobile app. Purchases abroad are also possible.

Yes, holders of white credit cards can arrange a payment from their line of credit to their settlement account in the "Line of credit" section, selecting the desired amount within the free limit and confirming the transfer of funds to the bank settlement account. This service is not available for black credit cards.

You can view the transaction history in your self-service account by selecting "Credit card" and then the section "My transactions".

It is not possible to deposit cash onto a credit card.

Cash withdrawals are possible. A service fee applies according to the price list.

Yes, the card can be used for payments both in Estonia and abroad.

Yes, when paying in a foreign currency, a conversion fee applies according to the price list.

Yes, the card supports contactless payments. You can enable or disable this option in your self-service account. To activate contactless payments, you must first complete one transaction using the PIN code after activating the card.

The contactless payment limit is €50. You can change this limit in your self-service account under the “Credit card” section.

We use the 3D Secure (Three-Domain Secure) system to ensure security—an additional layer of protection for online payments. In your self-service account, under the “Credit Card” section, you must create a password for online purchases. During checkout, your card details (card number, expiration date, cardholder name, CVV/CVC2 code) will be requested, followed by a verification code sent to the phone number provided when you ordered the card.

Yes, the credit card can be added to a mobile wallet such as Google Pay, Fitbit Pay, Garmin Pay, Fidesmo Pay, or mTasku. You can also add it as a payment method in various mobile apps—use it to order food via Wolt, take a taxi with Forus or Bolt, or shop on Amazon, eBay, or AliExpress.

You can view your available credit card balance in your self-service account under the “Credit card” section.

You can request a credit card limit increase in your self-service account by selecting “Credit card” and clicking “Increase limit.” Your request will be reviewed within one hour.

You can update your personal information in your self-service account by going to the “Profile” section and selecting “Edit data”.

Please ensure that all entered information is correct and does not contain any punctuation marks or spaces. You may also try logging in using a different method. If you still cannot access your account, please contact us at 6630110.

If you’ve forgotten your password, click the “Forgot password?” button. A new password will be sent to your email and also via SMS to your registered phone number.

You can change your password in your self-service account under the “Profile” section by selecting “Change password”.

To opt out of promotional messages, go to your self-service portal, select “Profile”, then "Personal Data" - "Change Data" - "Agree to marketing based on legitimate interest via SMS and email" and uncheck the relevant boxes.

If you wish to block access to your Placet Group self-service account, please send a digitally signed statement in free form to our email address: info@placet.ee.
Alternatively, you can submit the statement at our office at Fr. R. Kreutzwaldi 4, Tallinn.

If you wish to restore your access rights, please send a digitally signed statement in free form to info@placet.ee.
You can also submit the statement at our office at Fr. R. Kreutzwaldi 4, Tallinn.

You can download the “Certificate of no obligations” from your self-service portal under the “My Contracts” section.

The mobile application can be downloaded onto your device through the App Store or Google Play. Using the app is completely free. For logging in, you can use secure methods such as biometrics.

With the app, you can make monthly payments on loans, activate or block credit cards, view transaction history, and check available balance — all these features are accessible within the app. Using the mobile application is entirely safe.