Cheapest bank in Finland 2026: comparison
Updated
In short (15 October 2026): The lowest base price is €0.00/month: S-Bank (member price; €15.00 for others), Revolut, N26, bunq and Wise.
Contents
The cheapest bank is the one with the lowest total cost for your own use. The table ranks banks by the combined price of the cheapest package and card.
| Bank | Package | Price / month |
|---|---|---|
| S-Bank | Everyday services for an owner-customer | €0.00 (member price; others pay €15.00) |
| Revolut | Standard | €0.00 |
| N26 | Standard | €0.00 |
| bunq | bunq Free | €0.00 |
| Wise | Wise account | €0.00 |
| OP | Everyday services package, owner-customer (OP Debit, OP Classic or OP Basic) | €3.95 (member price; others pay €8.25) |
| Nordea | Blue package | €4.99 |
| Danske Bank | Danske Silver, benefit level 1 | €7.80 |
| Säästöpankki | Everyday services (example: Säästöpankki Optia) | €10.00 |
| Oma Säästöpankki | Everyday services priced separately | €10.50 |
| POP Bank | Everyday services (example: POP Bank Suomen Osuuspankki) | €10.70 |
| Aktia | Everyday services priced separately | €11.00 |
| Ålandsbanken | Everyday services priced separately | €11.00 |
The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00.
The member price at OP requires a refundable membership contribution (€100). Other customers pay €8.25.
What is included in a bank's price?
Besides the monthly fee, costs arise from withdrawals and payments abroad. Compare these too:
| Bank | Free withdrawals | Fee after the free ones |
|---|---|---|
| S-Bank | 4 / month | €1.50 |
| OP | 4 / month | €0.70 |
| Nordea | 4 / month | €1.00 |
| Danske Bank | 4 / month | €0.90 |
| Säästöpankki | 3 / month | €1.00 |
| POP Bank | 0 / month | €1.00 |
| Oma Säästöpankki | 0 / month | €1.50 |
| Aktia | 2 / month | €1.95 |
| Ålandsbanken | 5 / month | €1.00 |
| Revolut | 5 / month | not available |
| N26 | not available | not available |
| bunq | not available | not available |
| Wise | not available | not available |
| 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%.
How do I work out my own monthly cost?
Use the calculator on the front page: enter your card payments abroad, cash withdrawals and any need for a child's account, and you get an estimate bank by bank.
Note that the member prices of cooperatives and cooperative banks require membership. They are marked in the table as member prices, and the price for a non-member is on the bank's own page.
Is it worth choosing only the cheapest?
Not always. Besides price, look at customer satisfaction, service channels and whether the bank has the loans, savings accounts and other services you need. See best bank.
Related guides
Frequently asked questions
Which bank is the cheapest in Finland?
In October 2026, the lowest base price (cheapest package plus card) is €0.00/month: S-Bank (member price; €15.00 for others), Revolut, N26, bunq and Wise. The next cheapest is €3.95/month: OP (member price; €8.25 for others). The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00. The member price at OP requires a refundable membership contribution (€100). Other customers pay €8.25. The actual cost depends on cash withdrawals and payments abroad.
Which bank offers a free bank account in Finland?
In October 2026, the base price (package and card) is €0.00/month: S-Bank (member price; €15.00 for others), Revolut, N26, bunq and Wise. The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00. Payments and withdrawals abroad may carry separate costs.
What costs are there besides the monthly fee?
Costs can include cash withdrawals, card payments abroad and the currency conversion markup, the bank card fee and extra services.