Banks in Finland
Updated
All banks in the comparison with a short summary. Detailed bank pages are in Finnish.
S-Pankki
Traditional bank - monthly cost 0.00 €
As of October 2026, S-Bank's current account, online banking ID and S-Etukortti Visa Debit card are free for S Group co-op members (membership fee 100 euros, refundable). For non-members the same services cost 15 euros a month in total. S-Bank had the highest private-customer score (82.0) in EPSI Rating's 2026 Finnish banking study.
OP
Traditional bank - monthly cost 3.95 €
As of October 2026, OP's daily services package (current account, banking ID and OP Debit card) costs 3.95 euros a month for owner-customers aged 30 or over and 8.25 euros for others. Owner-customer membership requires a refundable 100-euro member contribution, and the package is free for customers under 26. OP Pohjola scored 73.0 among private customers in EPSI Rating's 2026 banking study.
Nordea
Traditional bank - monthly cost 4.99 €
As of October 2026, Nordea's Blue package (current account, banking ID and Nordea Debit card) costs 4.99 euros a month and is free for customers aged 18-27 and for Benefit customers (prices from 1 May 2026). Without a package the same services cost 6.58 euros a month in total. Nordea scored 71.7 among private customers in EPSI Rating's 2026 banking study.
Danske Bank
Traditional bank - monthly cost 7.80 €
As of October 2026, Danske Bank's Danske Silver package (account, Mastercard Debit card and banking ID) costs 7.80 euros a month at benefit level 1 and nothing for students and 18-27-year-olds (price list from 1 March 2026). The currency conversion surcharge on card payments is 2.25%. Danske Bank scored 69.4 among private customers in EPSI Rating's 2026 study.
Säästöpankki
Traditional bank - monthly cost 10.00 €
As of October 2026, a current account, online banking and Visa Debit Online card cost 10 euros a month in total at Säästöpankki Optia (price list from 1 January 2026), but each local savings bank sets its own prices. Basic banking services are free for customers under 26. Säästöpankki scored 77.3 among private customers in EPSI Rating's 2026 study, third best.
POP Pankki
Traditional bank - monthly cost 10.70 €
As of October 2026, a current account, online banking and POP Visa Debit card cost 10.70 euros a month in total at POP Bank Suomen Osuuspankki (price list from 1 June 2026), and each ATM withdrawal costs 1 euro. Services are free for customers under 26, and prices vary between POP banks. POP Bank scored 68.0 among private customers in EPSI Rating's 2026 study, down 13 points.
Oma Säästöpankki
Traditional bank - monthly cost 10.50 €
As of October 2026, one current account is free at Oma Säästöpankki, but online banking (3.50 euros a month) and the Visa Debit card (7.00 euros a month) cost 10.50 euros a month in total, and each ATM withdrawal costs 1.50 euros (price list from 1 November 2025). OmaSp has been part of the S-Bank group since 7 October 2026, with services continuing unchanged for now. It scored 71.4 in EPSI Rating's 2026 study.
Aktia
Traditional bank - monthly cost 11.00 €
As of October 2026, a current account, online banking and Aktia Debit card cost 11 euros a month in total at Aktia when priced separately, while the Benefit customer daily banking bundle costs 6 euros a month (price list from 1 January 2026). Daily banking is free for customers under 27. Aktia scored 75.4 among private customers in EPSI Rating's 2026 study.
Ålandsbanken
Traditional bank - monthly cost 11.00 €
As of October 2026, Ålandsbanken's Prime account (5 euros a month), digital services (3 euros) and Debit card (3 euros) cost 11 euros a month in total, and the account, digital services and Debit Online card are free for customers under 30. The currency surcharge on card payments is 1.95%. Ålandsbanken scored 81.4 in EPSI Rating's 2026 study, second best among private customers.
Alisa Pankki
Traditional bank - monthly cost not available
As of October 2026, Alisa Bank offers private customers only a savings account paying 1.50% and fixed-term deposits paying 2.20-3.40%. Private current accounts were closed on 30 June 2026, so it is not suitable for everyday banking. Deposits are covered by the Finnish deposit guarantee up to 100,000 euros.
Revolut
Digital bank - monthly cost 0.00 €
As of October 2026, Revolut's Standard plan has no monthly fee, and weekday currency exchange is free of extra fees up to 1,000 euros a month. ATM withdrawals are free up to 5 withdrawals or 200 euros a month, then 2% (minimum 1 euro). The service is provided by Revolut Bank UAB, licensed in Lithuania, and deposits are covered by the Lithuanian deposit guarantee scheme.
N26
Digital bank - monthly cost 0.00 €
As of October 2026, N26's Standard account is free, and N26 offers accounts to Finnish residents through its EU website. Standard includes 2 free euro ATM withdrawals a month, after which each costs 2 euros, and a physical card costs 10 euros. Deposits are covered by the German deposit protection scheme up to 100,000 euros.
bunq
Digital bank - monthly cost 0.00 €
As of October 2026, bunq's free bunq Free plan includes an account and one digital card, while a physical card comes with bunq Core at 3.99 euros a month. Euro savings earn 1.51% interest, and the currency surcharge on card payments is 0.5% (price sheet dated 22 September 2026). Deposits are covered by the Dutch deposit guarantee scheme up to 100,000 euros.
Wise
Payment institution - monthly cost 0.00 €
As of October 2026, the Wise account has no monthly fee, the physical card costs 7 euros and ATM withdrawals are free up to 250 euros a month, with 2.69% charged on the amount above that. Currency conversion fees vary by currency (from 0.2%). Wise Europe SA is a Belgian payment institution, so deposit guarantee does not apply.