Is Revolut worth it in Finland?

In October 2026, Revolut's base price is €0.00/month and the currency markup on card payments is 0.00%* (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). Cash withdrawal abroad: After the free limit 2%, min. €1. Deposit guarantee: Lithuanian deposit guarantee, €100,000 per depositor; service provider Revolut Bank UAB. Weaknesses according to the data: Deposit guarantee from the Lithuanian system, not the Finnish one; A 1% fee on currency exchange at weekends; No branches, service in the app. Whether it pays off depends on your own use: see all prices on Revolut's page and work out your own cost with the calculator on the front page.

What do digital banks cost in Finland?

In October 2026, the base price and the currency markup on card payments of digital banks: Revolut €0.00/month, currency markup 0.00%*; N26 €0.00/month, currency markup 0.00%; bunq €0.00/month, currency markup 0.50%*; Wise €0.00/month, currency markup not available. The deposit guarantee varies by bank, so check it on the bank's own page.

Can a digital bank be my only bank in Finland?

For some people it is enough, but digital banks may not offer every Finnish banking service, such as strong identification or a mortgage. Check what you need.

Are digital banks safe?

Deposit guarantee depends on the bank's licence and home country. See the deposit guarantee column in the table and read the deposit guarantee guide.

What is a digital bank best for?

Digital banks often suit travel, payments abroad and use as a secondary account. Compare the currency conversion markup in the table.

Digital banks in Finland: Revolut, N26, bunq and Wise

Digital banks such as Revolut, N26, bunq and Wise work mainly through an app and often suit payments abroad and use as a secondary account. They differ from traditional banks in deposit guarantee, home country and range of services.

Digital banks in Finland
Bank	Deposit guarantee	Without a Finnish personal ID	Currency conversion markup
Revolut	Lithuanian deposit guarantee, €100,000 per depositor; service provider Revolut Bank UAB	not available	0.00%*
N26	German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence	not available	0.00%
bunq	Dutch deposit guarantee, €100,000 per depositor; bunq B.V. is a bank registered with the Dutch central bank	not available	0.50%*
Wise	No deposit guarantee: Wise Europe SA is a payment institution licensed in Belgium that protects customer funds by keeping them separate (safeguarding)	not available	not available

How is a digital bank different from a traditional bank?

A digital bank usually has no branches, and you handle everything in the app. On the other hand, not every Finnish service, such as identification in online services, may be available.

Revolut: deposits are covered by the Lithuanian deposit guarantee, up to €100,000. Source: Revolut.
N26: deposits are covered by the German deposit guarantee, up to €100,000, and the bank holds a BaFin licence. N26 has no Finland-specific website: customers in Finland use the EU site, and the card for under-18s is not available in Finland. Sources: N26 and N26 for under-18s.
bunq: deposits are covered by the Dutch deposit guarantee, up to €100,000. Source: bunq terms.
Wise: is not a bank and has no deposit guarantee. Wise Europe SA is a payment institution licensed in Belgium, and customer funds are held separately (safeguarding). Source: Wise.

What does using a digital bank abroad cost?

Payments abroad currency conversion markup and ATM 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%.

Is the deposit guarantee the same as in a Finnish bank?

Not necessarily: protection depends on the bank's home country, and Wise has no deposit guarantee. See deposit guarantee and the deposit guarantee column in the table.

Can I open a digital bank account without a Finnish personal identity code?

The table shows this bank by bank, and it is worth checking the terms with the bank. See also the guide to opening a bank account in Finland.