Oma Säästöpankki business account 2026: price list and monthly fee
In October 2026, Oma Säästöpankki's business account, business online bank, online statement and Visa Business Debit cost a total of €29.90/month calculated from per-service prices, and opening the customer relationship is from €300. The first account is opened at an online meeting or a branch, and OmaSp has been part of the S-Bank group since 7 October 2026.
Oma Säästöpankki business account prices and terms
| Opening fee | €300.00 (from; opening a business customer relationship) |
|---|---|
| Cheapest plan | Business account + business online bank + Visa Business Debit (calculated) |
| Monthly price | €29.90 |
| Included in the plan | Business account €4.00, business online bank and OmaMobiili €10.00, online statement €0.90 and Visa Business Debit €15.00/month |
| Price terms | Service price list 1 November 2025 (read on 15 October 2026). There is no ready-made package; the total is calculated from per-service prices, assuming one online statement per month. Opening a business customer relationship from €300. Transaction fees separately. VAT is not mentioned for banking services; the prices of e-invoicing are marked incl. VAT. |
| Extra card cost / month (on top of the headline price) | €0.00 |
| Extra user / month | €8.00 |
| Cash deposit | At a TalletusOtto ATM €4.50 each + 1.00% of the amount |
| Currency conversion markup on card payments | 2.50% |
| More about fees | Price list 1 November 2025: payment from the account in online banking (incl. SEPA instant transfers) €0.30 each; incoming with a reference €0.24, without a reference €0.25. Sending and receiving e-invoices €0.30 each incl. VAT, monthly fee for each €4.00, plus e-invoicing functionality in online banking €2.00/month incl. VAT. Account authorisation for online banking €8.00/month. Visa Business Debit €15/month is included in the calculated total. Euro withdrawal at an ATM €1.50 each. The monthly fee of the e-invoice service totals €10 incl. VAT (sending €4, receiving €4 and e-invoicing functionality €2). The card price (€15.0/month) is included in the headline price. |
| Transfers included in the plan | 0 / month |
|---|---|
| Transfer price after the allowance | €0.30 |
| E-invoice sent | €0.30 |
| Monthly fee of the e-invoice service | €10.00 |
| E-invoice received | €0.30 |
| E-invoices (sending and receiving) | Yes |
| Type | Bank |
|---|---|
| Company forms | Sole trader, Limited company |
| Deposit guarantee | Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank. A sole trader has no deposit guarantee separate from the owner. |
| Opening online | No |
| Time to open | not available |
| A credit check can block opening | not available |
| Accounting integrations | Web Services connection €10/month, batch statement and payment files |
| Own card terminal | not available |
| Invoicing tool | Yes |
| Finnish IBAN | Yes |
| Customer service in Finnish | Yes |
| More about features | There is a page on Nets payment solutions, but OmaSp's own card terminal was not confirmed. |
| Business credit card | Yes |
| Business card annual fee | €120.00 |
| More about the business card | Visa Business Credit €10/month and K-Business Visa €10/month (€120 per year), credit interest rate 3-month Euribor + 12%. |
| Information checked | 15 October 2026 |
Pros and cons
Pros
- Pro: A personal expert and a branch network
- Pro: The per-transaction price of e-invoices, €0.30 incl. VAT, is among the cheapest of the banks
- Pro: Currency conversion markup 2.5%
Cons
- Con: The calculated basic level of €29.90/month is the most expensive of the banks in the comparison, of which Visa Business Debit alone is €15/month
- Con: Customer relationship opening from €300
- Con: No online opening: the first account is opened at a meeting
How do you open a Oma Säästöpankki business account?
For the first business account, an online meeting or a branch appointment is booked; bring a passport or ID card. Required: business ID (Y-tunnus) and a description of the business, a business plan, for a starting company the memorandum of association and the minutes of the founding meeting, for an established company the latest income statement and balance sheet, and details of the owners and beneficial owners (over 25%) and PEP information. The price list also applies to sole traders (elinkeinonharjoittaja). No separate instructions were found for the accounts of associations and housing companies. OmaSp has been part of the S-Bank group since 7 October 2026.
Guides for business owners
- Card terminal for a business
- Business card
- Sole trader: choosing a bank account
- Limited company: choosing a bank account
Sources
- OmaSp: Palveluhinnasto 1.11.2025, yritysasiakkaat, päivittäiset raha-asiatretrieved 15 October 2026
- OmaSp: Tilin avaaminen yritykselleretrieved 15 October 2026
- OmaSp: Hinnastotretrieved 15 October 2026
- OmaSp osa S-Pankki-konsernia 7.10.2026 alkaenretrieved 15 October 2026
- Rahoitusvakausvirasto: Talletussuojaretrieved 15 October 2026
Information checked on 15 October 2026. Check the VAT basis and the current terms with the provider.
Frequently asked questions
How much does a Oma Säästöpankki business account cost per month?
The cheapest Oma Säästöpankki plan (Business account + business online bank + Visa Business Debit (calculated)) costs €29.90 per month. Service price list 1 November 2025 (read on 15 October 2026). There is no ready-made package; the total is calculated from per-service prices, assuming one online statement per month. Opening a business customer relationship from €300. Transaction fees separately. VAT is not mentioned for banking services; the prices of e-invoicing are marked incl. VAT.
Can you open a Oma Säästöpankki business account online?
No. For the first business account, an online meeting or a branch appointment is booked; bring a passport or ID card. Required: business ID (Y-tunnus) and a description of the business, a business plan, for a starting company the memorandum of association and the minutes of the founding meeting, for an established company the latest income statement and balance sheet, and details of the owners and beneficial owners (over 25%) and PEP information. The price list also applies to sole traders (elinkeinonharjoittaja). No separate instructions were found for the accounts of associations and housing companies. OmaSp has been part of the S-Bank group since 7 October 2026.
Does Oma Säästöpankki support e-invoices?
Yes. There is a page on Nets payment solutions, but OmaSp's own card terminal was not confirmed.