Find the right fit for you

Keep tabs on your money with P.F.C. Download for free and get started immediately.

The P.F.C. app and card are free. Upgrade for the premium experience.

Features you’ll love and use every day.

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Spending insights

Compare how much you spend from month to month, and see your average spending during a full year.

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A better deal for travelling

Your Premium subscription allows you to withdraw up to 10,000 SEK per month while you’re abroad – with no extra fees.

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Goal target

You’re in charge

Don’t settle for one savings goal, set up to 10 savings goals with Premium.

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Find the right fit for you, upgrade at any time

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Free

0 SEK/month


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  • Free physical card
  • Virtual card
  • No transaction fees
  • No exchange fee
  • Weekly spending insights
  • Weekly budget
  • One goal
  • Free ATM withdrawals up to 1 000 SEK
  • Google & Apple Pay
Most Popular
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Premium

35 SEK/month

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  • Everything in Free
  • Unlimited savings goals
  • Monthly spending insights
  • Monthly budget
  • Mini-flex
  • Free ATM withdrawals up to 10 000 SEK
  • Google & Apple Pay
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Duo

From 35 SEK/month

or 420 SEK a year

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  • Everything in Free
  • Shared account with your partner
  • Shared spending insights
  • Seamless swapping between personal and shared account
  • Flexible price plan

12 months 420 SEK
6 months 240 SEK
3 months 135 SEK
1 month 50 SEK
Deducted from your shared Duo account

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Junior

20 SEK/month

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  • Spending tracker for parents
  • Card limits
  • Unlimited junior cards
  • Parental controls

Flex financing

Pricing example for fully used credit

Used credit

5,000 SEK
10,000 SEK

Daily interest

5 SEK
5 SEK

Maximum interest per month

60 SEK
60 SEK
Payment period
12 month
12 month

Annual percentage rate (APR)
12 months

28.82%
13.84%

Total interest

720 SEK
720 SEK

Total amount

5 720 SEK
10 720 SEK

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 10 720 SEK. That results in a monthly repayment of 893 SEK and annual percentage rate of 13.84%  Other ways of using the credit can lead to higher annual percentage rate.

Be smart with Flex

Use Flex Credit as a short-term loan. Always aim to pay the entire debt when you top up
 your balance.

Part payments pricing

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.

Amount ranges

Purchase size

Fixed monthly fee

300 - 1 000 SEK

10 SEK

1 001 - 2 000 SEK

20 SEK

2 001 - 4 000 SEK

40 SEK

4 001 - 6 000 SEK

60 SEK

6 001 - 10 000 SEK

80 SEK

Examples of annual percentage rates (APR) based on converted purchase and repayment time

Amount

3 months
6 months
12 months

1 000 SEK

19.46%
22.29%
23.70%

2 000 SEK

19.46%
22.29%
23.70%

4 000 SEK

19.46%
22.29%
23.70%

6 000 SEK

19.46%
22.29%
23.70%

10 000 SEK

15.32%
17.52%
18.71%

Total amount to pay back

Example fee

Instalments and total amount

Amount

Monthly fee
3 months
6 months
12 months

1 000 SEK

10 SEK
1 030 SEK
1 060 SEK
1 120 SEK

2 000 SEK

20 SEK
2 060 SEK
2 120 SEK
2 240 SEK

4 000 SEK

40 SEK
4 120 SEK
4 240 SEK
4 480 SEK

6 000 SEK

60 SEK
6 180 SEK
6 360 SEK
6 720 SEK

10 000 SEK

80 SEK
10 240 SEK
10 480 SEK
10 960 SEK

Be smart with Part Payments

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.

ATM Fees

Freemium

< 1 000 SEK/month
Free

> 1 000 SEK/month
1.5% fee on withdrawals

Premium

< 10 000 SEK/month
Free

> 10 000 SEK/month
1.5% fee on withdrawals

Overdraft

100 SEK overdraft fee

60 SEK reminder fee

180 SEK debt collection fee

Other

Card replacement

95 SEK