Oma Säästöpankki fees and price list 2026
In October 2026 one current account is free at Oma Säästöpankki, but online banking (€3.50/month) and the Visa Debit card (€7.00/month) cost €10.50/month in total, and each ATM withdrawal costs €1.50 (price list from 1 November 2025). OmaSp has been part of the S-Bank group since 7 October 2026, but its services continue unchanged for now. In the EPSI Rating 2026 banking study, OmaSp received 71.4 points from personal customers.
Oma Säästöpankki prices and terms
| Cheapest package | Everyday services priced separately |
|---|---|
| Monthly fee of the package | €10.50 |
| Included in the package | One current account (free), online banking and OmaMobiili app €3.50/month and Visa Debit €7.00/month |
| Total base price / month | €10.50 |
| Bank card | Visa Debit |
|---|---|
| Separate card fee | Included in the package |
| Card notes | The card price (€7.0/month) is included in the package's monthly fee. Price list 1 November 2025: Visa Debit €7.00/month, Visa Debit Online €10.00/month, Visa Credit/Debit €5.00/month. |
| Free ATM withdrawals in Finland | 0 / month |
|---|---|
| Withdrawal fee after the free ones | €1.50 |
| Currency conversion markup on card payments | 2.50% |
|---|---|
| ATM withdrawal abroad | Withdrawals in other currencies €2.00 + 2.50% |
| Child's account | Yes |
|---|---|
| Minimum age of the child's account | not available |
| Monthly fee of the child's account | €0.00 |
| Monthly fee for students | €0.00 |
| Current account interest rate | 0.00% |
|---|---|
| Savings account interest rate | 0.00% |
| Type | Traditional bank |
|---|---|
| Home country | Finland |
| Opening an account online with Finnish bank credentials | No |
| Opening an account without a Finnish personal identity code | not available |
| Deposit guarantee | Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank |
|---|
| EPSI customer satisfaction | 71.4 (2026) |
|---|---|
| Data checked | 15 October 2026 |
All packages
In October 2026 Oma Säästöpankki offers 5 packages on sale. The price is for an adult package with one card, taken from the bank's own price list. Compare the packages of all banks on the bank packages comparison page.
| Package | Age | € / month | Card | Free withdrawals | Currency markup | Extras | Terms |
|---|---|---|---|---|---|---|---|
| Banking services for childrenchild | under 18 yrs | €0.00 | Visa Debit Online | none free, €1.50 per withdrawal | 2.50% | No extra benefits. | |
| |||||||
| Everyday money matters for young people (under 26)young person | 18-25 yrs | €0.00 | Visa Debit (or Visa Credit/Debit) | none free, €1.50 per withdrawal | 2.50% | No extra benefits. | |
| |||||||
| Current account, online bank and Visa Creditadult | from 26 yrs | €4.50 | Visa Credit | not available | 2.50% | No extra benefits. | |
| |||||||
| Everyday services with a Visa Credit/Debit cardadult | from 26 yrs | €8.50 | Visa Credit/Debit | none free, €1.50 per withdrawal | 2.50% | Interest on the Visa credit: 3-month Euribor + 12.00%. | |
| |||||||
| Everyday services priced separately (Visa Debit)adult | from 26 yrs | €10.50 | Visa Debit | none free, €1.50 per withdrawal | 2.50% | No extra benefits. | |
| |||||||
Usage limits
| Contactless payment limit | €50 / payment |
|---|
Changing the limits: In the online bank: Accounts and cards > Cards > select the card > Safety limits and areas of use. In the OmaMobiili app: Finances > Cards. Changes are real-time; limits can also be changed at the bank.
Only the values published by the bank are listed. Checked 16 October 2026. Read about bank card limits: withdrawal limit, contactless limit, instant payment limit and blocking a card.
Reviews: ratings of Oma Säästöpankki
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| EPSI Rating Finland | 71.4 (2026) | survey, no individual ratings | More information |
| Trustpilot | no reviews | - | no link |
| App Store: OmaMobiili | 3.6 / 5 | 76 ratings | App in the App Store |
| Google Play: OmaMobiili | 3.1 / 5 | 559 ratings, all countries | App on Google Play |
- No Trustpilot profile was found.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: One current account is free
- Pro: Free for under-26s
- Pro: The Visa Credit/Debit card is cheaper than a Debit card alone
Cons
- Con: Every ATM withdrawal costs €1.50
- Con: The Visa Debit card costs €7/month
- Con: Savings deposit account interest rate 0.0%
How do you open an account at Oma Säästöpankki?
The customer relationship is opened in an online or branch meeting; no self-service online opening was found. OmaSp has been part of the S-Bank group since 7 October 2026, but its services continue unchanged in its own channels for now. Opening without a Finnish personal identity code was not verified.
Thinking about switching banks? Read the guide to switching banks.
Deposit guarantee
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank. More information in the guide on the deposit guarantee.
Children and students
Child's account: Basic banking services for children (account, card and online banking) are free. Obtaining a card requires a meeting attended by the guardians (or a power of attorney) and the child with a valid identity card or passport. The minimum age for the card was not found.
Student: No separate student price list. 18-25-year-olds get the card and digital services free until the end of the month in which they turn 26.
See also: children's bank card and best bank for students.
Interest rates
Current account interest rate 0.00%. Savings deposit account interest rate 0.0% (savings price list 1 November 2025).
Compare interest rates between banks: current and savings account interest rates. See the savings accounts and fixed-term deposits of Oma Säästöpankki: Savings rates.
Premium and private banking services
The premium and private banking tiers, published asset thresholds and services of Oma Säästöpankki: Oma Säästöpankki private banking. Compare all providers on the private banking comparison page.
Customer satisfaction (EPSI)
Result of the EPSI Rating Finland survey: 71.4 (2026).
Sources
- OmaSp: Palveluhinnasto 1.11.2025, henkilöasiakkaat, päivittäiset raha-asiat (PDF)retrieved 15 October 2026
- OmaSp: Palveluhinnasto 1.5.2026, nuorten päivittäiset raha-asiat (PDF)retrieved 15 October 2026
- OmaSp: Säästämisen ja sijoittamisen hinnasto 1.11.2025 (PDF)retrieved 15 October 2026
- OmaSp: OmaSp on osa S-Pankki-konsernia 7.10.2026 alkaenretrieved 15 October 2026
- OmaSp: Tili lapselleretrieved 15 October 2026
- OmaSp: Edut ja palvelut 18-25-vuotiailleretrieved 15 October 2026
- OmaSp: Asiakkaaksiretrieved 15 October 2026
- FINE / Finanssivalvonta: Maksutilivertailuretrieved 15 October 2026
- EPSI Rating Finland: EPSI Pankki ja rahoitus 2026 (tiivistelmä)retrieved 15 October 2026
- Rahoitusvakausvirasto: Talletussuojaretrieved 15 October 2026
Data checked 15 October 2026.
Frequently asked questions
How much does Oma Säästöpankki cost per month?
The cheapest adult package at Oma Säästöpankki (Everyday services priced separately), including the card, costs €10.50 per month. Total calculated from the service price list of 1 November 2025. With a Visa Credit/Debit card (€5.00/month) €8.50/month in total, but the card requires a credit decision. For under-26s the cards and online banking are free (youth price list 1 May 2026).
Can you open an account at Oma Säästöpankki without a Finnish personal identity code?
This information is not yet available.
How much does Oma Säästöpankki charge for card payments abroad?
The currency conversion markup on card payments in currencies other than euros is 2.50%. ATM withdrawal abroad: Withdrawals in other currencies €2.00 + 2.50%.
What are the public ratings that Oma Säästöpankki has received?
Public ratings 16 October 2026: App Store 3.6 / 5 (76 ratings); Google Play 3.1 / 5 (559 ratings, all countries); EPSI 71.4 (2026). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.