Instabank Visa
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Instabank · VISA
The Instabank Visa is a credit card from Instabank on the Visa network. It has an annual fee of €0.
Verified 16 Oct 2026
Key facts
- Annual fee
- €0
- Purchase APR
- 15.9% p.a. (13.4% margin plus the 2.5% reference rate; effective 19.57% on €5,000 over 12 months)
- Foreign transaction fee
- 2.49%
- Network
- VISA
Benefits and perks
- Credit limit up to €25,000.
- No interest-free period: interest runs from the day of purchase.
- Account fee €5 a month.
- Cardholders join Instabank's discount club.
- Virtual card and credit limit available straight away.
- For applicants aged 23 or over with gross income over €20,000 a year, living in Finland.
Questions about the Instabank Visa
What is the annual fee on the Instabank Visa?
The Instabank Visa has an annual fee of €0.
Is the Instabank Visa worth it?
The Instabank Visa is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
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