Make your money grow! Thank you for investing in Estonia' s next big fintech!
IuteCredit – Bond subscription2022-11-21T10:56:42+02:00

The subscription period for IuteCredit Finance bonds was
6 September 10:00 – 24 September 16:00.

A warm thanks to everyone who participated, subscribing has ended.

Tombstone 2021 IuteCredit

IuteCredit Finance bonds

Senior Secured Bonds

Bond name IuteCredit Finance bonds
Listing Frankfurt Stock Exchange, Nasdaq Tallinn
ISIN XS2378483494
Denomination EUR 100.00
Number of bonds issued 500,000
Issue volume Up to EUR 50, 000,000
Subscription period From 06.09.2021 10:00 to 24.09.2021  16:00
Interest coupon 11%
Prospectus Listing Prospectus dated 30 August 2021
Prospectus summaries Prospectus Summary (English)

Prospectus Summary (German)

Prospectus Summary (Latvian)

Prospectus Summary (Lithuanian)

Fact sheets English Fact Sheet

German Fact Sheet

Presentation IuteCredit Presentation

Key dates

  • September 6, 2021– Subscription period starts
  • September 24,2021 – Subscription period ends

  • September 27, 2021 – Disclosing results of Offering
  • October 6, 2021 – Settlement of Offering
  • October 7, 2021 – First trading day

  • October 6, 2026 – Maturity Date

0 M €
paid out loans
0 M €
net loan portfolio
0 M €
paid interests

Why invest in IuteCredit?

IuteCredit is a responsible Estonian financial technology company that offers instalment loans and payment services in the Balkans and Moldova. IuteCredit is the only Estonia-based company whose bonds are listed on the Frankfurt Stock Exchange.

Why Invest in Bonds?

  • Low risk

  • Stable price

  • Fixed annual interest income

  • Easy to trade in the secondary market

  • In the case of covered bonds, the bonds are secured by the company’s assets

Be the first to hear the news:

2.9M Population
1.4M Working People
15.8BN$ bn$ GDP
14.2K GDP per capita (PPP)
3.3M Population
1.3M Working People
18.17BN$ bn$ GDP
15.8K GDP per capita (PPP)
6.9M Population
3.4M Working People
59.6BN$ bn$ GDP
21.8K GDP per capita (PPP)
2.7M Population
0.9M Working People
11.9BN$ bn$ GDP
13K GDP per capita (PPP)
2.1M Population
0.8M Working People
11BN$ bn$ GDP
16.5K GDP per capita (PPP)

What is IuteCredit?

A company from e-Estonia

IuteCredit Group – established in 2008 – is a leading European fintech company. The Group is specialized in consumer finance and payment services via its 100% subsidiaries. Iute serves customers currently in Moldova, Albania, North Macedonia, Bulgaria as well as Bosnia and Herzegovina under the “MyIute” and “IuteCredit” brands, while it is expanding its services, geographies, and brands ecosystem.

Group’s core loan products are unsecured installment loans and buy-now-pay-later loans with maturities between 1 month and 48 months and collateralized loans with maturities up to 72 months. Loans are provided over the webshops, Iute’s website, MyIute app, network of branches, merchants, and partners.
Iute’s payment services vary from country to country between full-range solutions provided as a bank, and partial solutions subject to the license issued in any given country. Group operates its own ATM network that is accessible with the MyIute app.

Group finances its loan portfolios with equity, with secured bonds that are on the main list of Frankfurt Stock Exchange and Nasdaq Baltic, and with deposits (as a bank inside a given country).

The mission of IuteCredit is to create the extraordinary experience in personal finance by exceeding customers’ expectations.

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Need help?

If you have any questions or additional information, feel free to contact us!


What Risks are Associated with Buying Bonds?2021-08-02T08:45:09+03:00

As with any investment activity, investing in bonds can involve a number of risks, and experts should always be consulted before purchasing bonds. Common risks include solvency and interest rate risk, market and macroeconomic risks, risks related to the issuer’s operations, and risks related to the legal and regulatory environment.

Why Invest in Bonds?2021-08-02T08:45:42+03:00

Bonds with a fixed yield are a safer alternative than trading in stocks and fund units because the yield is predetermined and does not depend on market trends or the ever changing macroeconomic situation. The main risk associated with investing in bonds is related to fluctuating interest rates in the markets, which affect the equivalence of the investment to tradeable bonds.

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