About Iute
“Iute” means fast
We believe managing money should be simple and fast.
At Iute, we combine smart financial technology with the warmth of human touch to make managing money simpler.
We want to help our customers become financially and digitally stronger and faster.
Made in Estonia in 2008
Tarmo Sild and Allar Niinepuu founded Iute on a simple idea: financial services could be faster, easier, and more human. Since then, we’ve grown from Estonia into an international fintech serving customers across Europe.
Our customer promise
Effortless
We make managing your money simple, with fewer steps and less effort.
Fast
We value your time, so we help you get things done quickly.
Human
We treat you like a person, with warmth, understanding, and personal attention.
Markets
Iute serves customers in Moldova, Albania, North Macedonia, Bulgaria, and Ukraine while we continue to grow our digital financial services across Europe.
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Moldova, est. 2008
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Albania, est. 2015
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Macedonia, est. 2017
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Bulgaria, est. 2019
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Ukraine, est. 2026
Our values
Winning team
We win together. We trust each other, share our strengths, and know that great results come from working as one team.
Keep it simple
We don’t make things more complicated than they need to be. We communicate clearly, focus on what matters, and look for the simplest way forward.
Prioritize
We focus our energy where it matters most. We know what comes first and give it our full attention.
Take ownership
We don’t wait for someone else to solve a problem. We take responsibility, speak up, and act when something needs to be done.
Stay humble
We know that no one has all the answers. We listen, stay curious, and are always willing to learn from each other.
Be disciplined
We do what we say we’ll do. We keep our promises, stay consistent, and hold ourselves to high standards.
Meet the Iute leadership team
Our leadership team brings together experience in finance, technology, business, and customer experience to keep Iute moving forward.
Biljana Mišić
Chief Executive Officer, Macedonia
Aleksandar Petkovski
Chief Executive Officer, IutePay Macedonia
Tarmo Sild
Chief Executive Officer and Co-Founder
Allar Niinepuu
Chief Commercial Officer and Co-Founder
Kristel Kurvits
Chief Financial Officer
Slobodan Rakovic
Chief Risk Officer
Göksu Tugay Bilal
Chief Product Officer
Kadi Raudsepp
Chief Legal Officer
Martin Märss
Chief Technology Officer
Ema, Customer Advisor:
“By being supportive and constructive, we can move forward together. Do you have questions or need help? Contact me – I’m here to help!”