What is a Finnish bank ID?

Bank ID is a strong electronic identification method that lets you log in to public and private online services using your bank credentials.

Can I get bank ID without a Finnish personal ID?

This depends on the bank. Some banks require a personal identity code, so check the bank's requirements.

Are there alternatives to bank ID?

Mobile certificate and other identification methods exist. Availability depends on your situation.

Finnish bank ID explained: what it is and how to get it

Finnish bank ID (pankkitunnukset) are online banking credentials that also work as strong electronic identification for many public and private services in Finland. You get them when you open an account with a bank that offers them.

Strong electronic identification means in Finland are banks' online banking credentials, telecom operators' mobile certificates, the citizen certificate on the police-issued ID card, and some organisation-card-based services. The assurance level is either substantial or high. Providers must notify Traficom, and the NCSC-FI supervises them and keeps the public register of identification service providers. Source: NCSC-FI (Finnish).

Why do I need bank ID in Finland?

Many services, such as tax, healthcare and online shopping, use strong identification. Having bank ID makes daily life much easier.

How do I get Finnish bank ID?

Banking credentials with strong identification require a Finnish personal identity code and identification with a passport or ID card from an EEA state, Switzerland or San Marino; banks may accept other passports (FINE FAQ, Finnish). If you hold a non-EEA passport, expect an identification visit to the police to get a strong e-ID (Nordea).

Open an account at a bank that supports your situation. See the table of account opening options in our guide.

Account opening by bank
Bank	Online opening with Finnish bank credentials	Without a Finnish personal ID	Notes
S-Pankki	Yes	Yes	Online or in the S-mobiili app if you have another Finnish bank's online banking ID 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.
OP	Yes	not available	You can become a customer online if you are 18 or over, have Finnish online banking IDs, are an EEA citizen and have a permanent address and municipality of residence in Finland. Otherwise book a branch appointment. Whether an account can be opened without a Finnish personal identity code was not verified.
Nordea	Yes	Yes	Online if you are an adult living in Finland with a valid Finnish passport or ID card, another Finnish bank's online banking ID and a Finnish phone number. People who have moved to Finland can open a customer relationship at a branch by appointment with an accepted ID document and proof of right of residence; Nordea says a Finnish personal identity code speeds things up and recommends getting one before applying. Service in Finnish, Swedish and English.
Danske Bank	Yes	not available	Online with Finnish online banking credentials and a Finnish mobile number. If you have no banking credentials, are under 18 or do not live in Finland, Danske Bank asks you to contact customer service. Opening an account without a Finnish personal identity code was not verified.
Säästöpankki	No	not available	The Savings Banks Group asks you to leave a contact request; the customer relationship and services are opened in a meeting at a branch or in an online video meeting. No self-service online account opening was found. Opening without a Finnish personal identity code was not verified.
POP Pankki	No	not available	You become a customer by booking a branch appointment or a POP Verkkohetki remote meeting; no self-service online account opening was found. Opening without a Finnish personal identity code was not verified.
Oma Säästöpankki	No	not available	The customer relationship is opened in an online or branch meeting; no self-service online opening was found. OmaSp has been part of the S-Bank group since 7 October 2026, but its services continue unchanged in its own channels for now. Opening without a Finnish personal identity code was not verified.
Aktia	No	not available	Everyday banking services (account, card and online bank) are opened by booking an appointment; switching banks can be arranged in a remote meeting. A child's account can be opened online with a junior power of attorney. Opening without a Finnish personal identity code was not verified.
Ålandsbanken	No	not available	You become a customer by filling in a contact form, after which the bank contacts you; services for minors require a branch visit with parents. No self-service online current account opening was found. Opening without a Finnish personal identity code was not verified.
Revolut	not available	not available	The account is opened in the Revolut app. Revolut Bank UAB is a bank licensed in Lithuania. Opening without a Finnish personal identity code and the identification method were not verified from Revolut's own pages in this review.
N26	not available	not available	N26 states that it offers accounts to residents of Finland; the account is opened in the app. N26 has no Finland-specific site (n26.com/en-fi does not load); the EU site is used. Opening without a Finnish personal identity code was not verified.
bunq	not available	not available	The account is opened in the app. Finland is on bunq's list of supported countries for personal accounts; applicants must reside in one of these EEA countries. Opening without a Finnish personal identity code was not verified.
Wise	not available	not available	The account is opened online or in the app; Wise publishes card prices for residents of Finland. Wise is not a bank. Opening without a Finnish personal identity code was not verified.

What if my bank does not offer bank ID?

You can consider switching to a bank that does, or look into other identification methods. Review the list of banks.