Expected timeline
| Situation | Expected time |
|---|---|
| Signed on business day before bank cut-off | Same day |
| Intra-bank (same institution as Primero partner bank) | Minutes |
| Inter-bank SEPA | Hours (depends on receiving bank) |
| Evening / weekend / public holiday signing | Next business day |
| Manual fraud or income review | Up to 1 business day extra |
Before signing
- Confirm net amount, KKM (APR), monthly instalment and total cost in the binding offer.
- Verify IBAN digit-by-digit — typos are the main cause of failed payouts.
- Ensure Smart-ID / Mobile-ID certificates are valid.
If transfer is delayed
- Check MyMogo or mogo.ee for status «disbursed» / payment initiated.
- Call your bank — incoming SEPA may be held for AML review.
- Contact mogo@mogo.ee or +372 688 8200 with contract number and signing time.
- Keep PDF of signed agreement for disputes.
YMYL
Never pay an «activation» or «insurance» fee by wire to a private person before loan arrival. Legitimate fees appear in pre-contractual information supervised by Finantsinspektsioon.
