Saving with interest made easy

Any questions?

• How do I make a deposit?

  You can view the instructions for transferring money to your SaveLend account by logging in and navigating to "Deposit."

  You can conveniently choose to transfer your money directly using Swish, Trustly, or by making a regular bank transfer.

  To make a deposit, select your preferred deposit method from the list and follow the instructions.

  • Swish
    Via Swish, your money arrives immediately. The regulations for the maximum amount and how much it’s possible to swish vary from bank to bank. Log into your internet or mobile bank to see and change your settings.
    
    

  • Instant Bank payment via Trustly
    Direct transfer via Trustly takes between 15 min and 1 banking day. It is an open banking payment method that allows customers to shop and pay from their bank account online, without using a card or app.
    
    

  • Bank transfer
    Bank transfers can take up to 1–3 days. Transfers must be made from a bank account that you own.

• How do I make a withdrawal?

  There are two types of withdrawals:

  1. Withdrawal of available capital

  2. Withdrawal of invested capital
     

  1. Withdrawal of available capital

  You can easily withdraw money that is not invested when logged in. If this is your first withdrawal, you first need to add a bank account (you only need to do this once).

  Add a bank account

  • Go to More in the main menu

  • Select Bank accounts and Autogiro

  • Click Add account and follow the steps

  Here you can add, edit, or remove bank accounts linked to your SaveLend account.

  Make a withdrawal

  • Go back to the Overview

  • Click the plus icon and select Withdraw money (mobile), or choose Withdraw in the main menu (desktop)

  • Enter:

    • which account you want to withdraw from

    • the amount

    • the receiving bank account

  • Click Continue

  • Please answer our questions and leave us some feedback

  • Click Confirm withdrawal
    

  2. Withdrawal of invested capital

  If your capital is invested, you first need to sell credits on the secondary market to free up funds. This is available if you invest through one of our savings strategies. Read more about how to sell credits [here].

  Good to know:

  • Selling on the secondary market may involve a fee

  • Special terms apply for Balanced and Yield:

    • You can sell up to SEK 100,000 fee-free per completed 12-month period

    • Any unused fee-free allowance carries over to the next period

  View your investments for sale:

  • Go to Strategies

  • Select the relevant account

  • Click Credits listed for sale under Quick actions

  Please note:
  It may take some time for your investments to be sold, as they need to be purchased by other investors.

• How do I sell investments on the secondary market?

  If you use one of SaveLend’s Savings Strategies, you can sell your investments on the secondary market if you want access to your capital before the investment term ends.

  
  How to do it:

  1. Log in and start from the Overview

  2. Click on Strategies

  3. Select the account you want to sell from

  4. Scroll down to Quick actions

  5. Click on Sell credits

  
  Now you can:

  • Filter the investments you want to sell

  • Select them by ticking the checkboxes

  
  When you’re ready:

  • Click Review

  • You will see the number of credits, total value, and any applicable fee

  • You will also see the total amount you will receive after fees

  Then click Confirm sale to list your investments on the secondary market.

  
  Good to know:

  • With Balanced and Yield, you can sell up to SEK 100,000 fee-free per completed 12-month period

  • If you’ve saved for less than 12 months or have already used your fee-free allowance, a fee of up to 5% may apply

  • Your investments are not always sold immediately, it may take some time for other investors to buy them

  
  Bonus:
  Depending on your bonus level, the secondary market fee may be lower than 5%. Read more about our bonus levels here.

• Does the deposit guarantee apply with SaveLend?

  Uninvested funds

  The deposit guarantee means that you receive compensation from the state up to SEK 1,050,000 if the one with whom you keep your money goes bankrupt (insolvency). SaveLend provides investors with a payment account for deposits of funds to be invested on the platform. SaveLend's accounts are with Handelsbanken, and it is Handelsbanken and not SaveLend, which is covered by the government deposit guarantee. This means that your uninvested funds in SaveLend's payment account are protected up to SEK 1,050,000 in case Handelsbanken ends up insolvent.

  NOTE, that the deposit guarantee applies per customer and bank. This means that if you are also a customer of Handelsbanken and have money in an account with Handelsbanken, your uninvested funds at SaveLend will be added together with your assets at Handelsbanken if the deposit guarantee is updated (and the total amount covered by the guarantee amounts to a maximum of SEK 1,050,000).

  In case SaveLend ends up insolvent, the deposit guarantee does not apply, on the other hand, SaveLend's operations are subject to a statutory requirement to always keep received funds separate from its own funds, which means that the so-called right of separation always exists. This means that your uninvested funds are always protected and that you have the right to withdraw them in case SaveLend becomes insolvent. No maximum amount limit applies to such a right of separation.

  Invested funds

  If you have money invested on the platform, you have a direct contractual claim against the borrowers. This means that it is the borrowers, and not SaveLend, who are obliged to repay the money to you. That obligation is not affected if SaveLend ends up insolvent and you therefore have the right to continue to be paid by the borrowers, just as usual. In such a situation, SaveLend will entrust the continued management of the platform to another party, which ensures that the borrowers' payments can continue as usual to the investors.

  Read more about Security and risks

• How does SaveLend's bonus system work? Can I get reduced fees?

  Yes, you can get lowered fees through our bonus system for investors. Currently, you can get a reduced service fee and fee on the secondary market based on how much you have invested or if you are a shareholder in SaveLend Group AB.

  

  Keep in mind that the bonus level you adhere to is updated monthly as we receive updated information on invested capital and our shareholders. Note that only directly owned shares count towards the bonus levels.

  See our bonus levels here.

• "Refer-a-friend"

  "Refer-a-friend" means that you as an investor can invite a friend, and both can then earn up to SEK 10,000 or EUR 1,000 in bonus.

  To get the bonus, your friend needs to create an account via an exclusive referral link that you receive with your account (you can find the link in the section “More” → “Bonuses and Refer a Friend”)

  and then invest at least SEK 5,000 or EUR 500 within 30 days. The bonus is then paid out within 3 working days to both you and the invited friend.

  "Refer-a-friend" only applies if you invite someone who starts investing in the strategies or projects. You do not receive a bonus when you invite someone who chooses to invest in a Fixed Interest Account.

  The bonus ladder is as follows:

  • SEK 5,000 or more gives a bonus of SEK 200

  • SEK 10,000 or more gives a bonus of SEK 400

  • SEK 20,000 or more gives a bonus of SEK 600

  • SEK 100,000 or more gives a bonus of SEK 1,000

  • SEK 500,000 or more gives a bonus of SEK 5,000

  • SEK 1,000,000 or more gives a bonus of SEK 10,000

  You can use your referral link an unlimited number of times.

  The bonus is paid for both SEK- and EUR-accounts. You can easily see paid bonuses and the number of invited friends on your account in the same section:

  

  If you, who referred a friend, only invest in SaveLend Fixed, the bonus will be paid out to your Transfer depot.