Holm app

You can now apply for a consumer loan and a virtual credit card in our app! With our app, you always have important, up-to-date information at your fingertips! You can download the app from Google Play or the AppStore and access it using Mobile ID or Smart ID. If your application is approved, you can choose either a loan that will be transferred to your bank account or a virtual credit card that will be placed on your phone. The app gives you a quick overview of the credit you’ve used and lets you submit applications, sign contracts and check your bills and payments. Your virtual card can be used as soon as you activate online shopping and is valid as a means of payment in both ordinary stores and online stores around the world. Online payments are secured using a 3D Secure code.

How to use app?


Why use the app?


Why choose Holm Bank?

More than 25 years of experience

Extensive experience thanks to 350,000 people who have trusted us

Why choose Holm Bank?

Holm is an Estonian bank

A bank based entirely on Estonian capital

Why choose Holm Bank?

People are helpful and caring

We want to support with expert advice and suitable solutions

Why choose Holm Bank?

We are partner with over 2,000 stores and e-shops

We offer hire purchase in Estonia in both regular and online stores

Why choose Holm Bank?

Online services

The services are accessible online contactlessly, customer support can be contacted via email and telephone

Why choose Holm Bank?

We are constantly expanding our product portfolio

We develop Holm products with people’s needs in mind

Why choose Holm Bank?


We follow the principles of responsible lending

Why choose Holm Bank?

Services for both private clients and companies

We offer both credit products and fixed-term deposits

Frequently asked questions

You can use the Holm app on both Android and iOS phones by downloading it from Google Play or the App Store.
Log in using Smart ID or Mobile ID, making sure you have valid certificates.
You can choose between a virtual card and a consumer loan.
Yes! Simply enable online shopping.
You can choose between Estonian, Russian and English.
Yes! You can change the settings, make repayments and check your repayment history in the app.
Only ongoing contracts, not contracts that have expired or been terminated.
Yes! You’ll see a list of the purchases you’ve made in the last three months.
Yes! Just click on ‘My profile’.
The app shows the bills you’ve received in the last month and the payments you’ve made in the last three months.
If you’ve enabled automatic updates in your Google Play or AppStore settings, then yes!
Your data are stored on the Holm bank system: the app only displays them. If you download the app again, your data will still be shown there.
You are on the website of the financial service provider Holm Bank AS.
© 2023. Holm Bank AS