Best banks in Finland for foreigners 2026
This table lists banks where a newcomer without a Finnish personal ID (henkilötunnus) can open an account, with their monthly fees and notes. Data comes from the banks' own price lists and is checked regularly.
- 2 banks listed
- Updated
As of 15.10.2026, the cheapest everyday banking in Finland (cheapest package plus debit card) costs 0.00 € per month: S-Pankki (member price; 15.00 € for others), Revolut, N26, bunq and Wise. Actual cost depends on withdrawals and foreign payments.
| Bank | Monthly cost | FX markup on card payments | Online opening with Finnish ID | Notes |
|---|---|---|---|---|
| S-Pankki | 0.00 € | 2.45 % | Yes | Online or in the S-mobiili app if you have another Finnish bank's online banking ID and a permanent address in the Population Information System (service in Finnish or Swedish only). Without a Finnish personal identity code you can apply at a service point with an ID document and an official proof of address, but you only get restricted online banking credentials that cannot be used for public e-services. |
| Nordea | 4.99 € | 2.50 % | Yes | Online if you are an adult living in Finland with a valid Finnish passport or ID card, another Finnish bank's online banking ID and a Finnish phone number. People who have moved to Finland can open a customer relationship at a branch by appointment with an accepted ID document and proof of right of residence; Nordea says a Finnish personal identity code speeds things up and recommends getting one before applying. Service in Finnish, Swedish and English. |
Bank pages are in Finnish. Figures are in euros.