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After the transfer, Morrow Bank's general terms apply to your loan, since you are no longer a customer of Moank. Contact Morrow Bank in December for questions about your terms or your loan.

When Morrow Bank takes over as lender, your loan protection with AXA is cancelled. If you meet the criteria you will automatically be enrolled in an insurance plan when the loan transfers to Morrow Bank — you'll receive more information from Morrow Bank about this. For claims that occurred before 1 December, contact AXA. Phone +46 8 517 614 06, the easiest way is to report a claim on the web: clp.partners.axa/se/skada.

Morrow Bank is a Nordic bank headquartered in Norway, focused on loans and credit products. In January 2026, Morrow Bank officially becomes a Swedish bank, Morrow Bank AB. Read more.

Moank has chosen not to offer personal loans for the time being, in order to focus on other initiatives going forward. At the same time we're not closing any doors for the future — it's possible Moank will return with new types of consumer loans later on.

You will receive your invoice by post. You can also find it digitally on "My pages" on morrowbank.se.

No, your repayment period is not affected by the transfer to Morrow Bank. Morrow Bank will send you new general terms over time.

If you have an ongoing payment with a debt collection company, you are not affected by the move to Morrow Bank, but continue to pay the debt collector as usual.

Your direct debit mandate will be transferred automatically — you don't need to do anything. The direct debit mandate for Moank AB will be cancelled at the time of the takeover, after which Morrow Bank will take over the mandate and thereafter be the payee. Today the direct debit mandate is linked to Moank AB 559000-0237 with BG 5495-0928; after the takeover of the mandate it will be linked to Morrow Bank 955759-3739 with BG 169-0858. The move happens automatically.

The interest rate is set individually and is based on your credit profile, which is influenced by several factors. We can't give an answer about your individual rate in advance. The rate is set individually between 4.90 % and 14.95 %. A set-up fee of SEK 395 applies as a one-time fee when signing a loan. Monthly paper invoices cost SEK 39 each. Direct debit is free.

The effective interest rate refers to the actual cost of a loan expressed as an annual rate on the credit amount. The effective rate is calculated as if interest is paid once a year, which is why it differs from the nominal rate when payments are made monthly.

We perform a credit assessment on all our customers. If the assessment shows that you may have difficulty repaying the loan, we don't grant it. We don't want you to end up in a difficult financial situation.

You'll find your loan agreement when logged in to My pages.

If you want to repay early, you can notify customer service at info@moank.se about which day you want to settle the loan. You'll then receive the amount and payment details.

Yes, it's fine to settle the loan early. To do this you need to contact our customer service. Under anti-money-laundering law we must verify where the money you intend to settle the loan with comes from. We do this by collecting documentation such as a new loan agreement, gift deed, receipt etc.

You repay the loan easily via direct debit. The agreed amount is withdrawn every month on the due date (the 28th). You don't have to keep track of when and how to pay.

Direct debit is drawn on the 28th of each month. If the 28th falls on a holiday, it will be drawn on the next banking day.

You connect to direct debit by logging in to My pages. You'll find information there on how to proceed.

It can be due to several factors: either the direct debit signing wasn't complete because after giving the mandate via our site you didn't return to your loan overview on My pages and choose an account for direct debit, or the 28th fell on a holiday and the draw happens a day or two later. It may also be that there wasn't sufficient coverage on the account on the draw day.

You can view your monthly invoice when logged in to My pages.

If you know you won't be able to repay, please contact us so we can solve the situation together. If there isn't enough money on your account when we draw, we'll send a reminder, which incurs extra costs for you.

Your personal data is handled in accordance with Moank's privacy policy.

Go to My pages and open the "Documents" page, where you can download your annual statement.

Go to My pages.

You can always withdraw your money whenever you want. If you have a fixed-rate account, a withdrawal fee applies if you withdraw before the end of the term.

Either you deposit directly via your own bank to our BG number (the savings account number is then used as the OCR reference), or you make a one-time deposit while logged in on our site. You then give a direct debit mandate so we can draw the money directly from your account.

Yes — for Moank Flex and Moank Flex Plus you can easily set up monthly savings while logged in to My pages, with any amount and any draw day.

We have no upper limit on the amount, but the deposit guarantee applies up to SEK 1,150,000.

You can normally see the deposit on your account 1–3 banking days after making the deposit via Bankgiro.

On 31 December each year, or when the account is closed.

On My pages.

No.

No, but the deposit guarantee applies up to SEK 1,150,000.

Your savings with Moank are covered by the state deposit guarantee. That means the state guarantees your deposits up to SEK 1,150,000 if something were to happen to your bank or savings institution. Read more about the protection at Riksgälden.

Tax deductions, or deductions according to other official directives, are made by Moank in accordance with applicable laws and regulations at any given time. Information about the current rate is available on My pages.

Interest is capitalised annually or when the account is closed. Interest on the balance is calculated for all calendar days during the year, with leap years taken into account. No interest is paid on the day of deposit.

Interest is paid at the rate Moank generally applies to the savings account at any given time and is stated as an effective annual rate.

Interest on the balance in a Flex savings account is variable. Interest is paid according to what Moank generally applies for the Flex savings account at any given time and Moank reserves the right to change the rate at any time. Moank gives notice of a changed rate on My pages.

Yes — savings accounts with Moank are covered by the state deposit guarantee, meaning you'll be reimbursed by the state if Moank were to go bankrupt. Read more at Riksgälden.

You need to be at least 18 years old, have a Swedish personal identity number and be registered in Sweden. You also need access to BankID to verify your identity.

No, you need to get a Swedish bank account first.

No, you must be a resident of Sweden.

No, we only offer savings accounts for individuals who are at least 18 years old.

No, you need BankID.

No, it's free.

Yes, you can have several savings accounts.

Open a savings account by clicking the "Open savings account" button.

If you have insurance through AXA, read more about your terms at moank.se/laneskydd, or report a claim directly on the web: service.axapartners.se.

Yes. There is no lock-in on the insurance.

The requirements to take out loan protection are:

• Resident in Sweden
• Permanently employed
• Working at least 17 hours/week
• 18–64 years old
• Fully healthy and fit for work
• Have no knowledge of any illness, injury, serious disease or imminent sick leave
• Are not aware of an upcoming termination

The loan protection covers the cost of your monthly payments with us, up to a maximum of SEK 15,000/month/loan, for up to 12 months if any of the following should happen to you:

• Sick leave (at least 50 %) lasting more than 30 days due to accident or illness
• Involuntary unemployment lasting more than 30 days

In the event of critical illness such as cancer, stroke and heart attack, the insurance can pay out a lump sum of SEK 50,000. In the event of death, the insurance can settle the entire loan up to SEK 600,000.

The premium for the loan protection is 6.5 % of the monthly cost of the loan.

Moank works on iOS and Android, as well as in Chrome, Safari, Firefox and Edge in their latest versions.

All private individuals with a Swedish personal identity number can get Mobile BankID through their bank. Contact your bank and they'll help you.

Mobile BankID is an e-identification that lets you identify yourself and sign agreements online.

Contact our customer service and we'll help you update your contact details.