Compare how much you spend from month to month, and see your average spending during a full year.
Read moreYour Premium subscription allows you to withdraw up to 10,000 SEK per month while you’re abroad – with no extra fees.
Read moreDon’t settle for one savings goal, set up to 10 savings goals with Premium.
Read moreor 420 SEK a year
Read more12 months 420 SEK
6 months 240 SEK
3 months 135 SEK
1 month 50 SEK
Deducted from your shared Duo account
Used credit
Daily interest
Maximum interest per month
Annual percentage rate (APR)
12 months
Total interest
Total amount
The interest is fixed and it is an open end credit. The minimum monthly payment is 6% or 50 SEK depending on the highest amount. A fully used credit of 10 000 SEK repaid during 12 months means a total repayment of 11 200 SEK. That results in a monthly repayment of 933 SEK and annual percentage rate of 23,70%. Other ways of using the credit can lead to higher annual percentage rate.
Use Flex as a short-term loan. Always aim to pay the entire debt when you top up your balance.
Example: For a Part payment of 10 000 SEK calculated with a repayment time of 12 months and a monthly fee of 80 SEK, the total amount to be paid is 10 960 SEK which gives an APR of 18,71 %. Other ways of using the service may lead to a higher APR.
Purchase size
Fixed monthly fee
300 - 1 000 SEK
1 001 - 2 000 SEK
2 001 - 4 000 SEK
4 001 - 6 000 SEK
6 001 - 10 000 SEK
Amount
1 000 SEK
2 000 SEK
4 000 SEK
6 000 SEK
10 000 SEK
Example fee
Instalments and total amount
Amount
1 000 SEK
2 000 SEK
4 000 SEK
6 000 SEK
10 000 SEK
Before you apply, be aware of the fees that come with using credit. Make sure there is room in your finances. You can clear the debt at any time and will not pay the fee for the remaining months.
Freemium
1 000 SEK/month
No fee
1.5% (3% from February 2023) fee on withdrawals above 1 000 SEK/month
Premium
10 000 SEK/month
No fee
1.5% (3% from February 2023) fee on withdrawals above 10 000 SEK/month
100 SEK overdraft fee
60 SEK reminder fee
180 SEK debt collection fee
Other
Card replacement
95 SEK