Bank for students: which bank to choose
Updated
In short (15 October 2026): Lowest student price €0.00/month: S-Bank, OP, Nordea, Danske Bank, Säästöpankki, POP Bank, Oma Säästöpankki, Aktia and Ålandsbanken (conditions vary by bank).
The cheapest bank for a student is the one whose everyday services cost little or nothing in your age group. According to the table, benefits are most often based on age and not on student status, so the age limit and how long it applies are what matter.
| Bank | Price / month | Notes |
|---|---|---|
| S-Bank | €0.00 | A higher-education student can apply for the student S-Etukortti Visa Credit/Debit card with a credit limit of €1,000 without a study credit requirement (aged 18 or over, Finnish personal identity code). The card has no monthly fee for an owner-customer. |
| OP | €0.00 | No separate student price list. The everyday services package is free for under-26s; for an 18-25-year-old OP Gold costs €4.00/month. |
| Nordea | €0.00 | No separate student price list. For 18-27-year-olds the Blue package is €0.00/month. |
| Danske Bank | €0.00 | Danske Silver is €0.00/month for students (18-32 years) and young people (18-27 years). |
| Säästöpankki | €0.00 | No separate student price list. According to the Säästöpankki group, basic banking services are free for under-26s; at Säästöpankki Optia under-27s get a 100% discount on the account, online banking and debit cards. |
| POP Bank | €0.00 | Under-26s get the current account, online banking and POP Visa cards free. Member customers aged 26-29 get a 100% discount on the account, online banking and the Credit/Debit card. |
| Oma Säästöpankki | €0.00 | No separate student price list. 18-25-year-olds get the card and digital services free until the end of the month in which they turn 26. |
| Aktia | €0.00 | No separate student price list. Everyday banking services for 18-26-year-olds are free when they use a current account, mobile bank and the Aktia ID app. |
| Ålandsbanken | €0.00 | No separate student price list. Under-30s get the Prime account, Internetkonttori and Mobile bank and the Debit Online card free. |
| bunq | not available | bunq has no student price in Finland. bunq's Free for Students benefit applies only to Belgium, France, Germany, Ireland, Italy, the Netherlands, Portugal and Spain, not Finland (source: data/plans.json, bunq-pro, checked 16 October 2026). |
| N26 | not available | Student terms valid in Finland were not verified. |
| Revolut | not available | No student terms were found. |
| Wise | not available | No student terms. |
What should a student compare?
- The age limit up to which the price is low, and what happens after the limit.
- Whether the benefit is automatic or has to be applied for.
- The costs of payments abroad, if you are going on exchange.
- The costs of cash withdrawals.
| Bank | Currency conversion markup | ATM withdrawal abroad | Notes |
|---|---|---|---|
| Revolut | 0.00%* | After the free limit 2%, min. €1 | On weekdays, currency exchange at Revolut's rate with no extra charge up to €1,000/month; above that a 1% fair usage fee. At weekends (Friday 17.00 to Sunday 18.00 New York time) exchange is charged 1%. |
| N26 | 0.00% | Outside the euro area 1.7% | According to N26, card payments abroad are free with no currency conversion markup. ATM withdrawals in currencies other than the euro: Standard and Smart 1.7%, Go and Metal free. |
| bunq | 0.50%* | Free: €2.99 per withdrawal + 0.5% on currency exchange | Card payments in another currency: Mastercard rate + 0.5%. On the bunq Free tier the 0.5% applies to €1,000 per year, then 1.5%. |
| Ålandsbanken | 1.95% | Withdrawals in other currencies €2.00 + 3% | Currency conversion markup of 1.95% of the amount of a purchase or withdrawal transaction in a currency other than the euro made with a Mastercard. |
| Danske Bank | 2.25% | Euro withdrawals in the EU: same price as in Finland; withdrawals in other currencies €2.00 + 3.0% | Currency exchange rate: Mastercard/Visa wholesale rate + 2.25%. |
| S-Bank | 2.45% | Euro withdrawals in the EU: same price as in Finland; other withdrawals €2 + 2.5% | Currency conversion markup of 2.45% on card purchases in currencies other than the euro. ATM withdrawals in euros outside EU countries and in other currencies cost €2 + 2.5% of the amount withdrawn. |
| OP | 2.50% | Withdrawal in a currency other than the euro €2.00 + 2.75% | Card purchases and withdrawals in foreign currency use the Visa wholesale rate + 2.50%. |
| Nordea | 2.50% | Euro withdrawals in the EEA 4 per month free, then €1; withdrawals in other currencies €2.00 + 3% | Currency conversion markup of 2.50% on the Mastercard or Visa rate. Withdrawals from Nordea's own ATMs in Norway, Sweden and Denmark are free. |
| Oma Säästöpankki | 2.50% | Withdrawals in other currencies €2.00 + 2.50% | Purchases in foreign currency are converted into euros at the Visa rate plus 2.50%. |
| Säästöpankki | 2.75% | Withdrawals in other currencies €2.00 + 2.5% | Säästöpankki Optia: card transactions in foreign currency are converted into euros at the Visa rate plus 2.75%. Other Säästöpankki banks may have a different price. |
| Aktia | 2.90% | Withdrawals in other currencies €2.00 + 3% | Purchases made in another currency are converted into euros at the Mastercard Europe wholesale rate plus a currency conversion markup of at most 2.90%. |
| POP Bank | 2.95% | Withdrawals in other currencies €2.00 + 2.5% | Suomen Osuuspankki: currency conversion markup of 2.95% on purchase and withdrawal transactions in other currencies. Other POP Bank banks may have different prices. |
| Wise | not available | Free up to €250/month, 2.69% above that | Card payments use the mid-market rate with no margin, but the currency conversion fee varies by currency (from 0.2% according to Wise's price list), so a single percentage is not stated. |
* At Revolut, 0.00% applies up to €1,000.00 per month, and 1.00% on the amount above that; 1.00% on weekend currency exchange.
* At bunq, 0.50% applies up to €1,000.00 per year, after that 1.50%.
Should a student use a digital bank?
A digital bank can be a good addition, especially abroad. Still, choose your main bank so that everyday payments, identification and any student loan work smoothly. Also compare the cheapest banks.
Related guides
Frequently asked questions
Which is the best bank for students in Finland?
In October 2026, the lowest student price is €0.00/month: S-Bank, OP, Nordea, Danske Bank, Säästöpankki, POP Bank, Oma Säästöpankki, Aktia and Ålandsbanken. Age limits and student conditions vary by bank, so check them on the bank's own page.
Do students have their own bank packages?
Few banks have a separate student price list. Most benefits are based on age, for example free everyday services for young people. The terms are shown in the table and on the banks' pages.
Do I need to tell the bank about a student benefit?
If the benefit is based on age, a separate application is usually not needed. Benefits based on student status are applied for as the bank instructs.
What happens when I pass the age limit?
Free pricing for young people usually ends when you reach the age limit, and the account moves to the normal price list. Check the bank's terms before choosing.