Säästöpankki business account 2026: price list and monthly fee
In October 2026, the example bank Säästöpankki Optia's business account, online service, online statement and Visa Business Debit cost a total of €21.80/month calculated from the price list's per-service prices, and opening the account costs €200. Becoming a customer starts with a contact request, and prices vary by local Säästöpankki.
Säästöpankki business account prices and terms
| Opening fee | €200.00 (business account opening fee; e-invoice service activation €20 incl. VAT) |
|---|---|
| Cheapest plan | Business account + online service + Visa Business Debit (Säästöpankki Optia, calculated) |
| Monthly price | €21.80 |
| Included in the plan | Business account monthly fee €5, right to use the business online service €10, online statement for a bookkeeping-obliged business €0.80 and Visa Business Debit €6/month |
| Price terms | Example bank Säästöpankki Optia, price list extract for business customers valid from 1 June 2025 (read on 15 October 2026). There is no ready-made package; the total is calculated from the price list's per-service prices, assuming one online statement per month. Business account opening fee €200. Without its own business online service, the account's monthly fee is €10. Transaction fees separately. VAT is not mentioned for banking services; the prices of the e-invoice service are marked incl. VAT. |
| Extra card cost / month (on top of the headline price) | €0.00 |
| Extra user / month | €8.00 |
| Cash deposit | With the Business Debit card at an ATM €5.00/deposit + €0.04/banknote or €0.03/coin |
| Currency conversion markup on card payments | 2.75% |
| More about fees | Säästöpankki Optia 1 June 2025: payment from the account in the online service €0.25 each; incoming reference payment €0.18, without a reference €0.70. Sending and receiving an e-invoice €0.40 each incl. VAT, right to use each service €5/month incl. VAT, activation €20 incl. VAT. Account authorisation for the online service €8/month. Visa Business Debit €6/month is included in the total calculated above. Euro withdrawal at an ATM €1.00 each. The monthly fee of the e-invoice service totals €11 (e-invoicing in the online service €1, sending service €5 and receiving service €5, the latter two incl. VAT). The card price (€6.0/month) is included in the headline price. |
| Transfers included in the plan | 0 / month |
|---|---|
| Transfer price after the allowance | €0.25 |
| E-invoice sent | €0.40 |
| Monthly fee of the e-invoice service | €11.00 |
| E-invoice received | €0.40 |
| E-invoices (sending and receiving) | Yes |
| Type | Bank |
|---|---|
| Company forms | Sole trader, Limited company, Association, 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.; the whole banking group counts as one bank for the deposit guarantee |
| Opening online | No |
| Time to open | not available |
| A credit check can block opening | not available |
| Accounting integrations | Web Services connection €9/month, batch statement and payment files to the bank connection software |
| Own card terminal | not available |
| Invoicing tool | Yes |
| Finnish IBAN | Yes |
| Customer service in Finnish | Yes |
| More about features | E-invoicing in the business online service €1/month (Optia). Online payment service (payment button) €13/month + €170 activation. |
| Business credit card | Yes |
| Business card annual fee | €50.00 |
| More about the business card | Visa Business Credit €50/year (Optia). Business Eurocard is issued by SEB Kort Bank Ab under its own price list. |
| Information checked | 15 October 2026 |
Pros and cons
Pros
- Pro: Local service and a personal contact person
- Pro: All company sizes and company forms, including associations and housing companies
- Pro: Price list is public bank by bank
Cons
- Con: Business account opening fee €200 (Optia)
- Con: No ready-made package and no entirely online opening
- Con: Prices vary by local bank
How do you open a Säästöpankki business account?
A new business customer submits a contact request online, selecting the company form (Oy/Ky/Ay, sole trader, housing company, association/foundation, farm or company being established) and the branch. Säästöpankki says that the credit information of the company and the responsible persons is an important criterion for becoming a customer, but does not say outright whether a payment default entry prevents opening. Opening entirely online is not mentioned. Prices vary by local Säästöpankki.
Guides for business owners
- Card terminal for a business
- Business card
- Sole trader: choosing a bank account
- Limited company: choosing a bank account
- Association: choosing a bank account
- Housing company: choosing a bank account
Sources
- Säästöpankki Optia: Hinnasto-ote yritysasiakkaat, voimassa 1.6.2025 alkaenretrieved 15 October 2026
- Säästöpankki: Hinnastotretrieved 15 October 2026
- Säästöpankki: Tule yritysasiakkaaksiretrieved 15 October 2026
- Rahoitusvakausvirasto: Talletussuojaretrieved 15 October 2026
- Rahoitusvakausvirasto: Talletussuojajärjestelmän pankitretrieved 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 Säästöpankki business account cost per month?
The cheapest Säästöpankki plan (Business account + online service + Visa Business Debit (Säästöpankki Optia, calculated)) costs €21.80 per month. Example bank Säästöpankki Optia, price list extract for business customers valid from 1 June 2025 (read on 15 October 2026). There is no ready-made package; the total is calculated from the price list's per-service prices, assuming one online statement per month. Business account opening fee €200. Without its own business online service, the account's monthly fee is €10. Transaction fees separately. VAT is not mentioned for banking services; the prices of the e-invoice service are marked incl. VAT.
Can you open a Säästöpankki business account online?
No. A new business customer submits a contact request online, selecting the company form (Oy/Ky/Ay, sole trader, housing company, association/foundation, farm or company being established) and the branch. Säästöpankki says that the credit information of the company and the responsible persons is an important criterion for becoming a customer, but does not say outright whether a payment default entry prevents opening. Opening entirely online is not mentioned. Prices vary by local Säästöpankki.
Does Säästöpankki support e-invoices?
Yes. E-invoicing in the business online service €1/month (Optia). Online payment service (payment button) €13/month + €170 activation.