S-Bank business account 2026: price list and monthly fee
In October 2026, S-Bank does not open business accounts for new small businesses, farms or associations, and it opens housing company accounts only in connection with financing. Banking services for SMEs are for the time being offered by Oma Säästöpankki, which joined the S-Bank group on 7 October 2026.
S-Bank business account prices and terms
| Opening fee | not available |
|---|---|
| Cheapest plan | No business account for new SMEs |
| Monthly price | not available |
| Included in the plan | not available |
| Price terms | A business account is not available from S-Bank for a sole trader or a limited company (October 2026). S-Bank directs business customers to the S-Group's free S-Business card and, for SME banking services, to Oma Säästöpankki. |
| Extra card cost / month (on top of the headline price) | not available |
| Extra user / month | not available |
| Cash deposit | Not applicable (no new SME accounts) |
| Currency conversion markup on card payments | not available |
| More about fees | No price information, because the service is not sold to new small businesses. |
| Transfers included in the plan | not available |
|---|---|
| Transfer price after the allowance | not available |
| E-invoice sent | not available |
| Monthly fee of the e-invoice service | not available |
| E-invoice received | not available |
| E-invoices (sending and receiving) | not available |
| Type | Bank |
|---|---|
| Company forms | Housing 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 | not available |
| Own card terminal | not available |
| Invoicing tool | not available |
| Finnish IBAN | not available |
| Customer service in Finnish | not available |
| More about features | For housing companies and large customers, payment transactions via bank connection software (Web Services). |
| Business credit card | not available |
| Business card annual fee | not available |
| More about the business card | According to S-Bank, the S-Group's S-Business card is a domestic, free and receipt-free business card for businesses and organisations; it is not a business card linked to an S-Bank bank account. |
| Information checked | 15 October 2026 |
Pros and cons
Pros
- Pro: A housing company can get an account in connection with renovation financing
- Pro: Services for SMEs are available in the same group through Oma Säästöpankki
Cons
- Con: No business account for new sole traders, limited companies or associations (October 2026)
- Con: A housing company's account only in connection with financing
How do you open a S-Bank business account?
In October 2026, S-Bank does not offer banking services to new small business, farm or association customers. New housing company accounts are opened only in connection with financing (the housing company must have at least ten apartments, mainly in growth centres). Services for SMEs are for the time being offered by Oma Säästöpankki, which has been part of the S-Bank group since 7 October 2026.
Alternatives: the cheapest active business accounts
Sole trader
- Holvi: €0.00 / month (virtual card only; physical card €3.00/month, + VAT)
- Wise Business: €0.00 / month (local IBAN requires a one-off fee of €60.00)
- Alisa Pankki: €7.90 / month (no payment card)
Limited company
- Holvi: €0.00 / month (virtual card only; physical card €3.00/month, + VAT)
- Wise Business: €0.00 / month (local IBAN requires a one-off fee of €60.00)
- Alisa Pankki: €7.90 / month (no payment card)
Guides for business owners
Sources
- S-Pankki: Palvelut yritysasiakkailleretrieved 15 October 2026
- S-Pankki: Rahoituspalvelut asunto-osakeyhtiöilleretrieved 15 October 2026
- S-Pankki: Palvelut suurasiakkailleretrieved 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 S-Bank business account cost per month?
The monthly price of a S-Bank business account is not yet available in Pankkitutka's data.
Can you open a S-Bank business account online?
No. In October 2026, S-Bank does not offer banking services to new small business, farm or association customers. New housing company accounts are opened only in connection with financing (the housing company must have at least ten apartments, mainly in growth centres). Services for SMEs are for the time being offered by Oma Säästöpankki, which has been part of the S-Bank group since 7 October 2026.
Does S-Bank support e-invoices?
This information is not yet available.