Collector account Service description Collector Bank Ab offers the possibility to pay invoices received by Netpost directly at Netpost by credit. You can pay the invoice directly in Netpost by applying for a Collector account. Once Collector has approved your credit application, you will have immediate access to your Collector account and can pay your first bills right up to € 1,000. When you pay an invoice in your Collector account, you do not have to pay any of that invoice during the same month. Collector will send a summary invoice for your calendar month payments during the month following the payment transaction, and the invoice will not always be due until the last day of that month. You can pay the invoice either as a lump sum or pay you a suitable amount, but at least the minimum amount mentioned in the invoice. No interest or other fees are charged for the payment month of the invoice, ie depending on the payment date, the interest-free payment period becomes 0–30 days. A fixed interest rate of 1.6% / month is added to the consolidated invoice, which corresponds to a nominal annual interest rate of 19.2%. In addition, an account maintenance fee of € 2.95 / month will be charged only for those months when the credit is in use. Late and unpaid invoices will be charged a reminder fee of EUR 5 and the agreed monthly interest rate of 1.6% for the delayed period. You can pay your bills with a total credit of 1000 euros. The amount of credit available to you each month depends on how much of your credit line has already been used. The minimum installment is 1/36 of the original amount of the invoice paid at Netpost, however, at least 5 euros. Collector-tiliä voivat hakea kaikki 20 vuotta täyttäneet Suomessa vakituisesti asuvat henkilöt, joilla ei ole luottohäiriömerkintöjä ja vuositulot ovat vähintään 15 000 euroa. Kuluttajasuojalain mukainen todellinen vuosikorko 1000 euron luotolle 12kk ajalle on 26,2%. Tuotetietoa Collector-tilistä Jos maksat Netpostissa joulukuussa 200€ laskun Collector-tilillä, erääntyy Collector-laskusi tammikuun viimeinen päivä. Laskuun lisätään 1,6%:n korko ja laskutuspalkkio 2,95€ eli laskun loppusumma on 206,15€. Tästä laskusta sinun on siis maksettava vähintään 11,71€ tammikuun viimeinen päivä. Minimisumma tässä esimerkissä muodostuu minimilyhennyksestä 1/36 x 200€ = 5,56€ sekä korosta (3,20€) ja laskutuspalkkiosta (2,95€). Ehdot See the links for General Credit Terms and Conditions and Standard European Consumer Credit Information (SECCI). Personal customers Pay by invoice Flexible loan Business customers Payment Corporate finance About the Collector Financial information Government Registry description Take contact Address Finnish branch - Business ID 2644718-5 Porkkalankatu 20 A, 00180 Helsinki PL PL 79, 00101 Helsinki Phone 09 3158 9900 Collector Bank Sverige Collector Bank Norge English version © 2012 - 2017 Collector Bank AB