S-Bank fees and price list 2026
In October 2026 the S-Bank account, online banking credentials and S-Etukortti Visa Debit are free for a cooperative's owner-customer with a membership share of €100. For customers who are not owner-customers the same services cost €15/month in total (price list 1 November 2025). In the EPSI Rating 2026 banking study, S-Bank received the best result from personal customers, 82.0 points.
S-Bank prices and terms
| Cheapest package | Everyday services for an owner-customer |
|---|---|
| Monthly fee of the package | €0.00 (member price; others pay €15.00) |
| Included in the package | S-Tili account, online bank and S-mobiili app, online banking credentials and S-Etukortti Visa Debit |
| Total base price / month | €0.00 (member price; others pay €15.00) |
| Bank card | S-Etukortti Visa Debit |
|---|---|
| Separate card fee | Included in the package |
| Card notes | Free for an owner-customer. For others, S-Bank Visa Debit costs €2.50/month. |
| Free ATM withdrawals in Finland | 4 / month |
|---|---|
| Withdrawal fee after the free ones | €1.50 |
| Currency conversion markup on card payments | 2.45% |
|---|---|
| ATM withdrawal abroad | Euro withdrawals in the EU: same price as in Finland; other withdrawals €2 + 2.5% |
| Child's account | Yes |
|---|---|
| Minimum age of the child's account | 7 yrs |
| 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 | 0.50% |
| Type | Traditional bank |
|---|---|
| Home country | Finland |
| Opening an account online with Finnish bank credentials | Yes |
| Opening an account without a Finnish personal identity code | Yes |
| Deposit guarantee | Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank |
|---|
| EPSI customer satisfaction | 82 (2026) |
|---|---|
| Data checked | 15 October 2026 |
The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00.
| Package | Price / month | Includes | Additional information |
|---|---|---|---|
| Everyday services for customers who are not owner-customers | €15.00 | S-Tili account €10/month, online banking credentials €2.50/month and S-Bank Visa Debit €2.50/month | Total calculated from the service-specific prices in the price list (1 November 2025). Applies to a person who is not part of an owner-customer household. |
All packages
In October 2026 S-Bank offers 4 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 |
|---|---|---|---|---|---|---|---|
| Child's S-Etukortti Visa Debitchild | 7-17 yrs | €0.00 | S-Etukortti Visa Debit | 4 per month, then €1.50 | 2.45% | Balance and transaction enquiry at an ATM with a minor's Visa card is free for the S-Tili account. | |
| |||||||
| Everyday services for owner-customersmemberS-Etukortti Visa Credit: Effective annual interest rate (APR) 18.389% (example: On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%."). | from 18 yrs | €0.00 | S-Etukortti Visa Debit (or S-Etukortti Visa Credit/Debit) | 4 per month, then €1.50 | 2.45% | S-Etukortti bonuses as an owner-customer. | |
| |||||||
| Student's S-Etukortti Visa Credit/DebitstudentS-Etukortti Visa Credit: Effective annual interest rate (APR) 18.389% (example: On the S-Bank product page: "The effective annual interest rate (APR) of the credit, calculated for an average credit of €1,500, is 18.389%, assuming that the reference rate is 2.484% (7/2026) and the credit invoice is sent electronically only (account management fee €2/invoice). If the credit invoice is delivered by post (account management fee €5/invoice), the effective annual interest rate of the credit is 23.677%."). | from 18 yrs | €0.00 | Student's S-Etukortti Visa Credit/Debit | 4 per month, then €1.50 | 2.45% | No study credit requirement. | |
| |||||||
| Everyday services for customers who are not owner-customersadult | from 18 yrs | €15.00 | S-Bank Visa Debit | 4 per month, then €1.50 | 2.45% | No S-Etukortti feature. | |
| |||||||
Premium accounts and cards: S-Etukortti Visa Credit. See also premium accounts and cards compared.
Usage limits
| Purchase limit, maximum | €50,000 / day |
|---|---|
| Withdrawal limit, default | €500 / day |
| Withdrawal limit, maximum | €1,500 / day |
| Contactless payment limit | €50 / payment |
| Account daily limit, maximum | €50,000 / day |
|---|
Changing the limits: In the S-mobiili app and online bank, in the card details and settings. The change is free, confirmed with a PIN or S-mobiili authentication, and takes effect immediately. According to the card terms, safety limits can also be set at a service point.
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 S-Bank
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 | 82 (2026) | survey, no individual ratings | More information |
| Trustpilot | 1.7 / 5 | 89 reviews | s-pankki.fi on Trustpilot |
| App Store: S-mobiili | 4.4 / 5 | 31,648 ratings | App in the App Store |
| Google Play: S-mobiili | 4.3 / 5 | 67,617 ratings, all countries | App on Google Play |
- The Trustpilot profile is unclaimed: the company has not taken control of it.
- 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: Account, card and online bank are free for an owner-customer
- Pro: Free cash withdrawals and deposits at the checkouts of S Group shops
- Pro: Highest personal-customer satisfaction in the EPSI Rating 2026 banking study (82.0)
Cons
- Con: Without owner-customer status, everyday services cost €15/month
- Con: The branch network is based on S Group customer service points
- Con: Online banking and online account opening only in Finnish and Swedish
How do you open an account at S-Bank?
Online or in the S-mobiili app if you have another Finnish bank's online banking credentials 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.
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: A child can get an S-Etukortti Visa Debit card from the age of 7. The card is ordered at a service point, and the child and guardians must be present (or a power of attorney). Online banking credentials and the S-mobiili app are available from the age of 12. Free when the child belongs to an owner-customer household; the price for other children is not itemised in the price list.
Student: A higher-education student can apply for the student S-Etukortti Visa Credit/Debit card with a credit limit of €1,000 without a study credit requirement (aged 18 or over, Finnish personal identity code). The card has no monthly fee for an owner-customer.
See also: children's bank card and best bank for students.
Interest rates
S-Tili interest rate 0.00% (updated 31 March 2026). The S-Tuottotili rate is tiered: €0-4,999 0.01%, €5,000-19,999 0.5%, €20,000-99,999 1.5% and from €100,000 1.75% (S-Prime 2.0%).
Compare interest rates between banks: current and savings account interest rates. See the savings accounts and fixed-term deposits of S-Bank: Savings rates.
Premium and private banking services
The premium and private banking tiers, published asset thresholds and services of S-Bank: S-Bank private banking. Compare all providers on the private banking comparison page.
Investment services and equity savings account
Share trading prices, equity savings account and funds at S-Bank: S-Bank fees and price list. Compare all providers on the comparison of investment services page. No investment advice; investing involves risk.
Customer satisfaction (EPSI)
Result of the EPSI Rating Finland survey: 82 (2026).
Compare S-Bank with others
Sources
- S-Pankki: Hinnastoretrieved 15 October 2026
- S-Pankki: Palveluhinnasto asiakasomistajille, voimassa 1.11.2025 (PDF)retrieved 15 October 2026
- S-Pankki: Palveluhinnasto muille kuin asiakasomistajille, voimassa 1.11.2025 (PDF)retrieved 15 October 2026
- S-Pankki: Pankkikortti lapselleretrieved 15 October 2026
- S-Pankki: Opiskelijan pankkikortti ja luottokorttiretrieved 15 October 2026
- S-Pankki: Ulkomaalainen S-Pankin asiakkaanaretrieved 15 October 2026
- S-Pankki: Tilien korkotiedot henkilöasiakkailleretrieved 15 October 2026
- S-Pankki: S-Tuottotiliretrieved 15 October 2026
- S-ryhmä: Osuusmaksu (ohjautuu s-etukortti.fi-sivulle)retrieved 15 October 2026
- EPSI Rating Finland: EPSI Pankki ja rahoitus 2026 (tiivistelmä)retrieved 15 October 2026
- EPSI Rating Finland: Pankkien väliset erot kasvavat (tiedote 21.9.2026)retrieved 15 October 2026
- Rahoitusvakausvirasto: Talletussuojaretrieved 15 October 2026
Data checked 15 October 2026.
Frequently asked questions
How much does S-Bank cost per month?
The cheapest adult package at S-Bank (Everyday services for an owner-customer), including the card, costs €0.00 (member price; others pay €15.00) per month. Free for a cooperative's owner-customer and for members of the owner-customer household (price list 1 November 2025). You become an owner-customer by paying a €100 membership share, which can be paid in instalments (at least €20) and is refunded if you give up the membership. Up to two S-Etukortti Visa cards are free; additional cards cost €2.50/month.
Can you open an account at S-Bank without a Finnish personal identity code?
Yes. Online or in the S-mobiili app if you have another Finnish bank's online banking credentials 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.
How much does S-Bank charge for card payments abroad?
The currency conversion markup on card payments in currencies other than euros is 2.45%. ATM withdrawal abroad: Euro withdrawals in the EU: same price as in Finland; other withdrawals €2 + 2.5%.
What are the public ratings that S-Bank has received?
Public ratings 16 October 2026: Trustpilot 1.7 / 5 (89 reviews); App Store 4.4 / 5 (31,648 ratings); Google Play 4.3 / 5 (67,617 ratings, all countries); EPSI 82 (2026). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.