Maja reads the transactions of the bank account you pay rent from and identifies the recurring payment that is your rent. Because the data comes straight from your bank over PSD2 open banking, the payment dates and amounts cannot be edited by you or by anyone else. That is what makes a Maja profile stronger evidence than a self-written reference, a screenshot or a PDF statement.
Maja connects to more than 2,000 banks across nearly all European countries through a single integration, including the large retail banks and most smaller regional and cooperative banks. If your bank offers PSD2 account access — and by law almost every European bank must — it is very likely supported. You can search for your bank on the front page before creating an account.
The connection is read-only and authorised by you inside your own bank's login flow. Maja never sees or stores your online banking credentials, and it cannot initiate payments, change your details or move money. Stored data is encrypted with AES-256, and processing follows GDPR. Under PSD2 rules a bank consent expires after 90 days, so Maja reminds you by email in advance and renewing takes a few clicks.
No. Maja performs no credit inquiry and never creates a payment default marking. Using Maja has no effect on your credit record. It is evidence of what you have actually paid, which is often more useful to a rental owner than a credit score.
Yes. One connection covers more than 2,000 banks across nearly all European countries, including the Nordics, the Baltics, Germany, Austria and Poland. It works even if you moved recently and still pay rent from a bank account abroad. You can search for your bank on the front page before signing up.
Yes — the verified profile is built from real bank transactions, not credit registries, so it works even with no Finnish credit history at all. That makes it ideal for expats, students and recent immigrants who have paid rent on time but have a thin or empty credit record.
They see your first name and last initial, your reliability label, how many monthly payments were verified, how many arrived on time and an approximate rent range. They do not see your balance, your other transactions, your account number or your exact rent. Share links expire after 30 days.
For renters: Yes, completely free.For landlords:• 3-month history: FREE• 6-month history: €7.90 per profile (launch offer, normally €12.90)• 12-month history: €12.90 per profile (launch offer, normally €19.90)• 24-month history: €17.90 per profile (launch offer, normally €29.90)OmaVero reporting in Finland: first property €3.50/month or €34.50/year; each additional property €1.90/month or €22.80/year. Monthly billing has no fixed-term commitment. Retroactive months are charged separately at the applicable monthly rate. The subscription is charged even if no rent is detected. The fee may be deductible from rental income depending on your circumstances.
Yes. You can disconnect your bank at any time and delete your account from settings, which removes your payment history and profile. Some records must be retained where Finnish accounting or tax law requires it; the privacy policy explains exactly what and for how long.
Company: Maja App Oy, Business ID 3633958-3, Finland. Questions? Email hello@maja-app.com