3 guidesLoansHow personal loans work across the EU: the APR every lender must show, interest caps, credit registers like BKR, FICP and Schufa, and where to compare offers.Open hub →
Independent · Free · Not a bank
Compare first, Don't pay too much
Nordsek is an independent comparison service for consumer finance in Europe. We explain how loans, savings, investing and everyday banking work across the EU, and route you to a comparison of licensed providers in your own country.
Choose your countryIndependent comparison across Europe
Compare in your own country
Comparison happens where the products are sold. Each country site is written in the local language and lists providers licensed in that market.
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NLNetherlands · Live
FIFinland · Live
3More countries · Coming
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Learn how it works, then compare at home
Six plain-language hubs on how consumer finance works across the EU. Each one explains the rules and routes you to the comparison in your country.
3 guidesLoansHow personal loans work across the EU: the APR every lender must show, interest caps, credit registers like BKR, FICP and Schufa, and where to compare offers.Open hub →
3 guidesBusiness financeBusiness loans, credit lines, revenue-based financing and business accounts for EU SMEs and founders: what they cost, how lenders decide, where to compare.Open hub →
3 guidesSavingsHow savings accounts and fixed-term deposits work in the EU: the €100,000 deposit guarantee, what moves rates, saving in another EU country, where to compare.Open hub →
4 guidesInvestingHow retail investing is regulated in Europe: MiFID and UCITS rules, the €20,000 investor compensation, choosing a broker, ETFs, P2P and where to compare.Open hub →
3 guidesCryptoHow crypto exchanges and wallets are regulated under MiCA, what protection you have, how exchanges charge and the tax basics in NL, France, Germany and Finland.Open hub →
3 guidesBankingHow current accounts, neobanks and credit cards work across the EU: the basic-account right, deposit guarantees, IBAN rules and interest-free periods.Open hub →Independent comparison, on the number that matters
We are not a bank. We line up licensed providers side by side so you can see the real cost before you commit.
01The right number firstAPR for credit, effective rate for savings, total cost for accounts and brokers. Never the headline rate alone.
02Independent — not a bankWe never issue products ourselves. Providers pay us a referral fee; you pay nothing.
03Regulated partners onlyEvery provider on Nordsek is licensed and supervised in its home market.
04Your data stays yoursNo account, no cookies for tracking. You apply with the provider, not with us.
05Local rules, local languageEach country site is written for its market: its regulator, its registers, its tax rules.
06Plain-language guidesEvery product category comes with guides that explain the fine print before you sign.
Blog
LoansAPR vs. nominal rate: the only number worth comparing
Why two loans with the same interest rate can cost very different amounts.
Read more →
LoansHow lenders assess an application: BKR, FICP and Schufa explained
What the credit registers in the Netherlands, France and Germany record, and who may look.
Read more →LoansDebt consolidation explained
When combining loans lowers the cost, and the one test to run before you do.
Read more →Plain answers. No fine print.
Short, factual guides on how loans, savings, investing, crypto and everyday banking really work across the EU — written to help you compare, not to sell.
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