Cheapest business account in Finland 2026: comparison
Updated
In short (15 October 2026): Lowest monthly price of a business account €0.00/month: Holvi (virtual card only; physical card €3.00/month, + VAT), Wise Business (local IBAN requires a one-off fee of €60.00) and SumUp.
Contents
The cheapest business account is the one with the lowest total cost for your own use. The table ranks providers by the monthly price of the cheapest package.
| Provider | Plan | Price / month | Opening fee | Company forms |
|---|---|---|---|---|
| Holvi | Holvi Flex | €0.00 (virtual card only; physical card €3.00/month, + VAT) | €0.00 | Sole trader, Limited company, Association |
| Wise Business | Wise Business (no monthly fee) | €0.00 (local IBAN requires a one-off fee of €60.00) | €60.00 | Sole trader, Limited company |
| SumUp | SumUp business account | €0.00 | €0.00 | not available |
| Alisa Pankki | Yrityksen käyttötili (business current account) | €7.90 (no payment card) | €29.90 | Sole trader, Limited company, Association, Housing company |
| Revolut Business | Basic | €10.00 (virtual card only; physical card price not available) | not available | Limited company |
| OP | Yrityksen palvelupaketti (business service package) | €12.90 (starting price) | €0.00 | Sole trader, Limited company, Association, Housing company |
| Nordea | Nordea Digital package | €15.70 (incl. VAT) | €0.00 | Sole trader, Limited company, Association, Housing company |
| POP Bank | Business account + business online service + POP Visa Business Debit (Suomen Osuuspankki, calculated) | €18.00 | from €150.00 | Sole trader, Limited company, Association |
| Säästöpankki | Business account + online service + Visa Business Debit (Säästöpankki Optia, calculated) | €21.80 | €200.00 | Sole trader, Limited company, Association, Housing company |
| Aktia | Business account + business online bank + Aktia Business Debit (calculated) | €22.20 (VAT-exempt) | from €260.00 | Sole trader, Limited company, Association, Housing company |
| Danske Bank | Danske Business | €26.00 | €0.00 | Sole trader, Limited company, Association, Housing company |
| Oma Säästöpankki | Business account + business online bank + Visa Business Debit (calculated) | €29.90 | from €300.00 | Sole trader, Limited company |
| Ålandsbanken | Business account + BusinessNet + Business Debit (calculated) | €36.00 | €200.00 | Limited company, Association |
| UKKO.fi | UKKO Yritystili (sole trader) | €15.00 + €24.90 (UKKO Yrittäjä service, sole trader) (starting price, + VAT, requires an add-on service) | €0.00 | Sole trader, Limited company |
Holvi: price notes: virtual card only; physical card €3.00/month, + VAT.
Wise Business: price notes: local IBAN requires a one-off fee of €60.00.
Alisa Pankki: price notes: no payment card.
Revolut Business: price notes: virtual card only; physical card price not available.
OP: price notes: starting price.
Nordea: price notes: incl. VAT.
Aktia: price notes: VAT-exempt.
UKKO.fi: price notes: starting price, + VAT, requires an add-on service.
Prices are not fully comparable with regard to VAT: the labels "incl. VAT", "+ VAT" and "VAT-exempt" are shown only when the provider or its price list states it.
What is included in a business account's price?
Besides the monthly fee, costs arise from transfers, e-invoices and cards.
| Provider | Transfer after the allowance | E-invoice sent | E-invoice received | Currency conversion markup |
|---|---|---|---|---|
| SumUp | €0.00 | not available | not available | not available |
| Alisa Pankki | €0.00 | no e-invoices | no e-invoices | not available |
| Ålandsbanken | €0.12 | €0.31 | not available | not available |
| Revolut Business | €0.20 | not available | not available | not available |
| Nordea | €0.23 | €0.55 | €0.55 | 2.50% |
| Aktia | €0.24 | €0.30 | €0.30 | 2.75% |
| Säästöpankki | €0.25 | €0.40 | €0.40 | 2.75% |
| Holvi | €0.25 | no e-invoices | no e-invoices | 2.50% |
| POP Bank | €0.30 | €0.40 | €0.40 | 2.95% |
| Oma Säästöpankki | €0.30 | €0.30 | €0.30 | 2.50% |
| Danske Bank | not available | not available | not available | 1.95% |
| OP | not available | not available | not available | not available |
| UKKO.fi | not available | not available | not available | not available |
| Wise Business | not available | not available | not available | not available |
How do I work out my own monthly cost?
Use the business account calculator: enter your transfers, e-invoices and additional users, and you get an estimate by provider.
Note that opening fees and VAT notes affect the real cost: an opening fee is a one-off cost, and some providers state prices with VAT or add VAT on top of the prices. They are shown in the table's notes and on the provider's page.
Is it worth choosing only the cheapest?
Not always. Also look at the opening requirements, accounting integrations and whether the provider offers the cards and invoicing tools you need.
Related guides
Frequently asked questions
Which is the cheapest business account?
In October 2026, the lowest monthly price of a business account (cheapest package) is €0.00/month: Holvi (virtual card only; physical card €3.00/month, + VAT), Wise Business (local IBAN requires a one-off fee of €60.00) and SumUp. The next cheapest is €7.90/month: Alisa Pankki (no payment card, opening fee €29.90). Prices are not fully comparable with regard to VAT: the labels "incl. VAT", "+ VAT" and "VAT-exempt" are shown only when the provider or its price list states it. The actual cost depends on the number of transfers and e-invoices.
Does the price include VAT?
The VAT basis varies by provider. It is marked in the price terms.
What costs are there besides the monthly fee?
Costs can include transfers, e-invoices, cards and additional users.