Bank Finder
The Bank Finder is a data-based tool, not advice: you answer up to eight questions, and it shows the three banks for which your estimated monthly cost and your chosen priorities give the best scores. You can skip any question.
- Updated
- 8 questions
- You can skip any of them
- 15 banks compared
From your answers we calculate an estimated monthly cost for every bank and a score based on the priorities you choose. The result is based only on Pankkitutka's data.
How does the Bank Finder work?
- From your answers we calculate an estimated monthly cost for every bank using the logic of Pankkitutka's calculator: the price of the package and card, withdrawal fees after the free withdrawals and the currency conversion markup. Banks with a share contribution are calculated at the member price only if you are willing to join as an owner-customer.
- Banks that do not match your wishes are left out and the reason is given: digital banks if you do not want a digital bank or need branch service, and banks that no longer serve private customers.
- The priorities you choose (lowest price, app, customer satisfaction, savings rate) are turned into scores. Each factor is scored by comparing the banks with one another, and the scores are combined using the weights you chose.
- If a piece of data is missing, it is not counted as zero or as the best value. The bank's data coverage drops, the missing item is shown in the result, and the bank is ranked lower accordingly.
- Ad links and commissions do not affect the scores in any way.
What data is used?
- Prices, cards, withdrawals, foreign fees and child and student prices: bank details, updated 15 October 2026.
- App ratings: the public App Store and Google Play ratings, retrieved 16 October 2026 (Bank ratings and reviews).
- Customer satisfaction: the result of the EPSI Rating Finland survey.
- Savings rate: the bank's savings account interest rate from Pankkitutka's savings rate data, updated 16 October 2026.
The answer options are estimates: for example, the answer "€100-500" is calculated with a fixed average amount, and the amounts are shown below the result. Your actual cost may differ. Not investment or financial advice.
Frequently asked questions
Which bank suits a student?
According to Pankkitutka's data from 15 October 2026, the cheapest estimated monthly costs for a student without co-operative bank or S-Pankki membership are: Aktia €0.00 / month, bunq €0.00 / month, Danske Bank €0.00 / month. If you are willing to join as an owner-customer, the top three with member prices taken into account is: Aktia €0.00 / month, bunq €0.00 / month, Danske Bank €0.00 / month. The calculation does not include withdrawals or foreign fees, and banks with no price data are left out.
Which bank suits a child?
By the monthly fee of the child account, the cheapest banks for a 10-year-old are: Aktia €0.00 / month, Danske Bank €0.00 / month, Nordea €0.00 / month. The banks' minimum ages and terms vary, and they are shown on the banks' pages.
Which bank suits me if I pay a lot by card abroad?
When card payments abroad are more than €500 per month, the currency conversion markup decides. By estimated costs the top three is: N26 €0.00 / month, Revolut €0.00 / month, bunq €10.42 / month. The limits of the currency conversion markup (monthly and yearly limits, weekend surcharge) have been taken into account in the calculation.
Which bank is first by the best app ratings?
By the public App Store and Google Play ratings (retrieved 16 October 2026) the top three is: Revolut (App ratings: App Store 4.8, Google Play 4.8); Wise (App ratings: App Store 4.7, Google Play 4.8); bunq (App ratings: App Store 4.7, Google Play 4.5). The ratings are third-party figures, not a Pankkitutka assessment.
Which bank offers the best savings rate?
By Pankkitutka's savings account data, the top three by the highest savings account rate is: bunq (Savings account interest rate 1.61%); Revolut (Savings account interest rate 1.18%); Wise (no rate available). Besides the rate, it is worth checking the deposit guarantee and withdrawal terms on the Savings rates page.
Is the Bank Finder financial or investment advice?
No. The Bank Finder is a comparison tool calculated from data: it scores the banks based on your answers and public information. The result is not a recommendation and does not take your personal situation into account, so always check the terms with the bank.
Does an ad link affect the order of the results?
No. The order of the banks is calculated only from data, and ad links or commissions do not affect the scores or the order.