Investment services compared

Updated 16 October 2026

In October 2026 the cheapest equity savings account for an occasional trader is €60.00/year: OP, Säästäjä package, note: only Helsinki shares in the equity savings account. Cheapest €10,000 trade in Helsinki costs €4.90/trade: DEGIRO, note: report your trades to the tax authority yourself. The cheapest index fund by ongoing charges is 0.00%/year: Nordnet: Nordnet Suomi Indeksi. The comparison covers costs only and is not investment advice.

Quick picks

Cheapest equity savings account for an occasional trader€60.00/yearOP, Säästäjä packageonly Helsinki shares in the equity savings account
Cheapest €10,000 trade in Helsinki€4.90/tradeDEGIROreport your trades to the tax authority yourself
Cheapest €100 trade in Helsinki€1.00/tradeOPonly Helsinki shares in the equity savings account,Nordea
Cheapest index fund, ongoing charges0.00%/yearNordnet: Nordnet Suomi Indeksi

Quick picks measure one thing at a time and are not investment advice. In a tie, all are listed. Calculator: one €1,000 trade a month on the Helsinki exchange, ordinary price (not the new-customer price), trades and the account's monthly fees over a year. Brokerage fee for one Helsinki exchange trade of €10,000, ordinary price, excluding the account's monthly fees. Brokerage fee for one Helsinki exchange trade of €100 in a book-entry account, ordinary price. The percentage cap applies to small trades. Only funds whose ongoing charges are published are compared. Funds that publish only a management fee (for example Nordea and OP) are in a separate list and are not part of the ranking. In a tie, all are listed.

Calculate your trading costs

Enter the trade size, number of trades, market and account type to see the brokerage fees and account fees per year by provider. The calculator compares costs and does not give investment advice. Providers for which the cost cannot be calculated appear in the "Not calculated" list with the reasons.

OPcheapestSäästäjä packageonly Helsinki shares in the equity savings account€60.00/year€5.00 per trade (brokerage fee €5.00), account fees €0.00/year. Price class: Helsinki. The 1% fee cap does not apply in the equity savings account. The calculator picks the one of the two packages with the lower annual cost. The new customer's 30-day fee exemption is not counted.
Nordnet€84.00/year€7.00 per trade (brokerage fee €7.00), account fees €0.00/year. Price class: level 3 (1-10 trades a month). The level is set by the number of trades in the previous month. Level 4 (no trades, 0.20%, min. €9) is not used because the calculator assumes at least one trade a month. Level 1 is not in the data for months with more than 50 trades, so they are calculated at level 2. The equity savings account and the book-entry account have the same tiered price list.
Nordea€96.00/year€8.00 per trade (brokerage fee €8.00), account fees €0.00/year. Price class: base level. Nordic trades under €800 cost 1%, which matches the point where the 1% cap and the €8 minimum cross. The limits of levels 2-4 are not in the data (level 1 is under €20 in fees in a quarter, level 4 over €500), so the calculator uses the base level. The €2.45/month custody fee is charged only if no trade with a brokerage fee was made in the previous quarter. Free for under 28-year-olds.
Danske Bank€120.00/year€8.00 per trade (brokerage fee €8.00), account fees €24.00/year. Price class: level 1 (€0-25,000/month). The level is set by the month's trading volume (trade size x trades a month). The price list uses the larger volume of the two previous months. The €2/month administration fee is not charged if Danske Säännöllinen Säästäminen is attached to the agreement. It is not taken into account in the calculation.
Ålandsbanken€174.00/year€10.50 per trade (brokerage fee €10.50), account fees €48.00/year. Price class: digital services. 0.25% + €8 fixed addition to every trade.

Not calculated (13): information missing or the service is not offered

S-Bank: S-Bank does not offer share trading to personal customers.
Säästöpankki (Avain Säästöpankki): Säästöpankki has no equity savings account.
POP Bank: POP Bank's share trading goes through Nordnet at Nordnet's prices: see Nordnet.
Aktia: No equity savings account was found on Aktia's pages, and its absence could not be confirmed.
Evli: No equity savings account was found on Evli's pages, and its absence could not be confirmed.
Seligson & Co: Seligson is a fund company and does not broker share trading.
Lightyear: Lightyear does not offer an equity savings account.
Trading 212: Trading 212 does not offer an equity savings account.
Interactive Brokers: Interactive Brokers does not offer an equity savings account.
DEGIRO: DEGIRO does not offer an equity savings account.
eToro: eToro does not offer an equity savings account.
Saxo: Saxo's price list could not be opened in October 2026.
Revolut (stocks): Revolut does not offer an equity savings account.

The calculator compares costs and does not give investment advice. Annual cost = trades over 12 months + the account's monthly fees (+ currency conversion on US trades). The prices are the provider's ordinary price class according to the number of trades or the monthly volume; classes whose limit depends on the previous quarter's fees or whose limits are not in the data have been left out and are marked in the result. The percentage cap of Nordea and OP on small trades is modelled from the providers' price notes. The new-customer price is calculated only for its period of validity. Prices in dollars (e.g. Lightyear) are converted to euros only if you enter the dollar rate; extra charges in the price list (e.g. exchange and authority fees) are not included. In an equity savings account the withholding tax on foreign dividends cannot be credited, and it is worth checking with the provider whether US shares are eligible for an equity savings account.

Brokers compared

Banks, brokers, investment apps and fund companies in one table. Filter by provider type or show only providers of the equity savings account. Prices, custody and investor protection are behind the Terms button.

Only providers of the equity savings account

Broker costs equity savings account, Helsinki and US trades, currency conversion and taxation. The main value is the ordinary price, and the new-customer price is on its own line. Tax reporting: yes means that the provider reports sales to the Tax Administration. Prices, custody, funds and investor protection are behind the Terms button.
			US	Currency markup	Fractional shares	Tax reporting	In Finnish
DEGIROBrokerreport your trades to the tax authority yourself	not offered	€4.90 flat	€2 flat	0.25%	not available	No	Yes
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices Price list valid from 1 January 2026. Fixed fees: NYSE/Nasdaq €1.00 + €1 handling fee = €2.00; Helsinki €3.90 + €1 = €4.90. The €1 handling fee applies to almost all orders. Automatic currency exchange (Auto FX) 0.25%, manual €10 + 0.25%. Nordic and other markets Nasdaq Helsinki, Stockholm and Copenhagen, and Oslo: €3.90 + €1 handling fee = €4.90 fixed price per order. Book-entry account and custody No custody fee on shares. Exchange connection fee €2.50/exchange/calendar year (at most 0.25% of the account value); according to DEGIRO's page €0 in the home market. Does not apply to the ETF Core Selection list. Securities in the broker's nominee registration. Funds Mutual funds €3.90 + service fee 0.20%/year. ETF Core Selection (Tradegate) with no brokerage fee. ETF saving ETF Core Selection funds have a brokerage fee of €0, but a €1 handling fee on every order; other ETFs €2 + €1. Investor protection German investor protection: 90% of securities not returned, up to €20,000. Cash at flatexDEGIRO Bank SE is covered by German deposit guarantee up to €100,000.
EvliFund company	not available	0.05%min. €7	0.12%min. €20	not available	not available	Yes	Yes
Equity savings account Evli's service fee page does not mention an equity savings account, and Evli is not on the Financial Supervisory Authority's interim list (updated 2021). Trading prices Telephone order +€20. The cost of currency exchange was not specified on the service fee page. The prices have no fixed expiry date. Nordic and other markets Stockholm and Copenhagen: 0.12%, min. €20. Book-entry account and custody Finnish and Swedish securities 0.01%/year of value, minimum €3.00/month + VAT 25.5% (about €3.77/month). Foreign (e.g. USA) 0.10%/year, min. €3.00/month + VAT; other countries 1.00%/year. The form of custody (owner or nominee registration) was not specified on the pages checked. Account transfer to Evli is free of charge. Evli's services focus on Private Banking (over €300,000) and digital wealth management (from €10,000). Funds Most Evli funds have no subscription fee (exception Evli Emerging Frontier 2%). You can save in mutual funds from €50/month. ETF saving No information on ETF monthly saving. Investor protection As a Finnish investment firm it is covered by the Investors' Compensation Fund: up to €20,000 if the customer's assets cannot be returned (Financial Supervisory Authority). Mutual funds are not covered by the compensation fund.
NordnetBrokernew-customer price	yes€0/month	0.15%min. €7for new customers 2 mo.: 0.06%, min. €3	0.20%min. €15currency unclearfor new customers 2 mo.: 0.12%, min. €15	0.25%	not available	Yes	Yes
Equity savings account No opening, monthly or custody fees. Trading at the same tiered prices as in the book-entry account; a new customer trades on level 1 for at least the first two full calendar months (0.06%, min. €3). You can also buy foreign and First North shares in the equity savings account. Closing €50, transfer to another provider €100 + custody-specific transfer fees. Trading prices Level 1 prices are not the ordinary price but the prices a new customer gets for the first two full calendar months. After that the level is set by the trades executed in the previous month: level 2 (11-50 trades) 0.10% min. €5, level 3 (1-10 trades) 0.15% min. €7, level 4 (no trades) 0.20% min. €9 in Helsinki. USA: 0.30/0.20/0.15/0.12%, minimum €15 on all levels. Automatic currency exchange 0.25%, 0.075% when you exchange yourself through a currency account. Members of Osakesäästäjat (the Finnish Shareholders' Association) get at least level 3. Nordic and other markets Sweden, Norway and Denmark: level 1 0.08%, levels 2-4 0.12-0.25%, minimum €10 on all levels. Book-entry account and custody No custody fee for exchange-listed shares and fund units. For unlisted Nordic shares €3/share class/portfolio/month. The Finnish securities of Finnish private individuals are held in an owner-registered book-entry account at Euroclear Finland; foreign securities are nominee-registered in Nordnet's custody accounts. Funds Fund subscription and redemption fees €0 at Nordnet. According to Nordnet's pages, you can invest in funds from €15; for subscriptions of funds in foreign currencies the currency exchange cost is 0.50%. ETF saving No brokerage fee on purchases under an ETF monthly savings agreement, but the service fee is €2.50/month/agreement. Sales according to the price list. Investor protection Swedish investor protection (law 1999:158): compensation of up to 250,000 kronor if financial instruments held in custody cannot be recovered in the bankruptcy of Nordnet Bank AB. Cash and the equity savings account are covered by the Swedish deposit guarantee (€100,000).
OPBanknew-customer priceonly Helsinki shares in the equity savings account	yes€0/month	0.17%min. €7for new customers up to 3 mo., book-entry account only: 0.10%, min. €5	0.17%min. €8for new customers up to 3 mo., book-entry account only: 0.10%, min. €8	0.30%	not available	Yes	Yes
Equity savings account Säästäjä service package €0/month and brokerage fee 0.15%, min. €5; Sijoittaja package €9.99/month and 0.08%, min. €3. No trading fees for the first 30 days. The 1% fee cap does not apply in the equity savings account. With OP's equity savings account you can trade only in shares of Nasdaq Helsinki and First North Finland, not in foreign shares. Transfer to another provider €81 (+ €25.50/other security type), closing €51. Trading prices A new customer trades at level 3 (0.10%, min. €5) for the current calendar quarter if the book-entry account is opened in the digital channel and the customer has not had a book-entry account at OP during the year. On the Helsinki exchange, trades under €300-700 (depending on level) cost 1% of the trade amount, so for example a €100 trade costs €1. Levels are set by the fees of the previous quarter: level 1 (under €500) 0.17% min. €7, level 2 0.15% min. €5, level 3 0.10% min. €5, level 4 (over €2,500) 0.05% min. €3. Currency exchange cost 0.3% (Sweden, Denmark, Norway, USA, Switzerland, Canada). Nordic and other markets Sweden, Denmark, Norway and other foreign markets: 0.17/0.15/0.10/0.05% depending on level, minimum €8 on all levels. Book-entry account and custody The Säästäjä service package €0/month includes securities custody and the book-entry account. The book-entry account is offered by a cooperative bank. The fee for domestic share trades has a 1% cap. Funds Subscription and redemption fees €0 for almost all OP funds for all customers (exceptions are some special investment funds). Index funds have no minimum subscription (OP: for example from €10). An owner-customer earns 0.245% in OP bonuses from index funds; owner-customer status requires a membership share fee, usually €100. ETF saving OP's price list has no separate ETF monthly saving; ETF trades follow the price list of the book-entry account. Investor protection Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered.
Danske BankBank	yes€2.00/month	0.20%min. €8	0.20%min. €8	0.25%	not available	Yes	Yes
Equity savings account Administration fee €2/month (incl. VAT 25.5%), not charged if Danske Säännöllinen Säästäminen (regular saving) is attached to the agreement. Brokerage fee 0.08-0.20%, min. €2-8. In regular share saving (OMXH25 and Nasdaq-100 companies) 0.2% with no minimum. Foreign shares too. Transfer to another provider €100. Trading prices Level 1 (trading €0-25,000/month) 0.20% min. €8; level 2 (€25,000-100,000/month) 0.12% min. €5; level 3 (over €100,000/month) 0.08% min. €2. The level is reviewed monthly according to the larger volume of the two previous months. Fee for currency exchange of non-euro securities 0.25%. Nordic and other markets The same brokerage fee on all marketplaces open for trading. Book-entry account and custody The administration fee of the Danske Kaupankäynti Online service €2/month (€24/year, incl. VAT) covers domestic and foreign custody; not charged if Säännöllinen Säästäminen is attached to the agreement. In the service, a fund fee is charged on funds in addition (e.g. index funds 0.1%/year + VAT 25.5%). Funds Index funds have a subscription and redemption fee of 0%; the Kaupankäynti Online service has no mutual fund subscription fees. Danske Invest's minimum subscription in most funds €10. The fund fee of the Kaupankäynti Online service (index funds 0.1%/year + VAT) is added to W unit classes. ETF saving Regular share saving covers shares (OMXH25 and Nasdaq-100), brokerage fee 0.2% with no minimum; ETF trades follow the tiered price list. Investor protection Danish investor protection (Garantiformuen, administered by Finansiel Stabilitet): compensation of up to the equivalent of €20,000 per investor if securities held in custody are not returned. Customers of the Finnish branch fall under the bank's home country system.
NordeaBank	yes€2.45/month	0.20%min. €8	0.20%min. €8	0.30%	not available	Yes	Yes
Equity savings account Opening, withdrawals, deposits and closing €0. Custody fee €2.45/month only if no trade with a brokerage fee was made in the previous quarter; free for under 28-year-olds, on an empty account and for the first year when the account is opened for the first time. Trading at the same price tiers as in the book-entry account, also foreign shares. Transfer to another provider €100. Trading prices Base level (level 1, fees accrued under €20/quarter): trades over €800 0.20% min. €8, trades under €800 on Nordic exchanges and all ETFs 1% (e.g. a €100 trade €1). Level 2 0.18% min. €8, level 3 0.15% min. €5, level 4 (over €500 in fees) 0.06% min. €3. Price tiers valid from 1 October 2025. In other markets, such as the USA, there is no 1% cap, only a minimum charge. Fee for currency exchange of non-euro shares 0.3%. Nordic and other markets Helsinki, Stockholm, Oslo and Copenhagen: the same price tiers and a 1% price cap on trades under €800. Book-entry account and custody Custody fee €0 for a personal customer if brokerage fees accrued in the previous quarter, otherwise €2.45/month (incl. VAT). Free for under 28-year-olds. A book-entry account or equity savings account opened for the first time has no custody fee for the first year. Funds Subscription and redemption fees of Nordea funds €0 in the mobile and online bank. You can make a monthly savings agreement for a fund from €10/month. The figures are management fees, not ongoing charges; in addition transaction costs of about 0.02-0.03% a year. ETF saving A 1% price cap on all ETF trades under €800. No separate free ETF monthly saving was found in Nordea's price list. Investor protection Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered.
ÅlandsbankenBank	yes€4.00/month	0.25%min. €8	not published	not available	not available	Yes	Yes
Equity savings account Equity savings account base fee €4.00/month. Brokerage fee in digital services 0.25% + €8 (€8 is a fixed addition to every trade), at a branch 1% + €30. Premium and Private Banking customers can attach a full power of attorney for wealth management to the account. An opening fee is not specified in the price list. Trading prices Share trading at the Internet branch (price list without a date): fees of the previous quarter €0-149 0.25%, €150-599 0.20%, €600-1,999 0.15%, over €2,000 0.09%, minimum €8/trade on all levels. The prices of US trades and currency exchange were not found in Ålandsbanken's price lists. Nordic and other markets The Internetkonttori price list does not specify markets; according to Ålandsbanken, brokerage covers Nordic, European and American shares. Book-entry account and custody Securities custody base fee €4.00/month. For securities held abroad additionally 0.10%/year (Sweden, Norway, Denmark), 0.15%/year (rest of the EU, Switzerland, USA, Canada) or 0.30%/year (other countries). According to the undated price list of the Internet branch, custody is free of charge for book-entry units listed in Helsinki when the brokerage fees of the previous quarter are at least €600. Funds Ålandsbanken's fund prices were not checked for this comparison. ETF saving No information on ETF monthly saving. Investor protection Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered.
Säästöpankki (Avain Säästöpankki)Bank	not offered	0.20%min. €9	0.20%min. €9	not available	not available	Yes	Yes
Equity savings account According to Säästöpankki's own page, Säästöpankki does not currently have an equity savings account. Trading prices At a branch 1.00%, min. €20; other foreign marketplaces at a branch 1.00%, min. €70. The cost of currency exchange is not specified in the price list extract. The prices of other savings banks may differ. Nordic and other markets Nordic countries, rest of Europe and North America in self-service channels 0.20%, min. €9. Book-entry account and custody Avain Säästöpankki: custody fee (= book-entry account) €3.00/month/account, incl. VAT. Prices are set by each bank; extract of Avain Säästöpankki's price list valid from 1 June 2026. Transferring a book-entry account to Säästöpankki is free of charge. Funds In Sp-Rahastoyhtiö's equity funds the subscription and redemption fee is 1.00%, in bond funds 0-0.50%. The minimum for monthly saving was not found in the price lists checked. ETF saving ETF trades follow the securities trading price list (0.20%, min. €9). Investor protection Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered.
AktiaBank	not available	0.25% + €10	1.00%min. €300	not available	not available	Yes	Yes
Equity savings account Aktia's securities services price list and share investing guides mention only the book-entry account; no equity savings account was found on Aktia's pages or on the Financial Supervisory Authority's interim list (updated 2021). Trading prices In the online bank you can trade only in Helsinki exchange shares: 0.25% of the trade price + €10 transaction fee, no separate minimum (€10 is a fixed addition, not a minimum). At a branch Helsinki shares 1%, min. €25. The price list of 1 September 2024 is still the valid version on Aktia's pages. Nordic and other markets On foreign marketplaces only through an employee: 1%, minimum €300 per trade. Book-entry account and custody Domestic securities: book-entry account €3.00/month. Foreign securities: 0.15%/year of market value, at least €7.00/month. The book-entry account can be opened with the first share purchase. Transferring a book-entry account to Aktia is free of charge. Funds Subscription fee 1.00%, in the digital channel 0.00%; redemption fee 1.00%. Minimum subscription €50 as a lump sum or €20/month as monthly saving. ETF saving ETF trading is not specified in the price list; in the online bank only Helsinki exchange shares. Investor protection Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered.
eToroInvestment appreport your trades to the tax authority yourself	not offered	not confirmed	min. 1 USDprice per share or fixed, see Terms	not available	Yes	No	not available
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices Shares: 1 USD per position when opening and closing. ETFs with no brokerage fee. Currency exchange from a EUR account to non-euro instruments: in eToro's table 150 pips / 0.75% to a local currency account, marked as reduced until 30 June 2026; the current figure could not be confirmed. Nordic and other markets For residents of Finland 1 USD per opening and closing on exchanges other than Australia, Hong Kong and Dubai (2 USD on those), valid from 11 August 2024. The availability of the Helsinki exchange was not checked. Book-entry account and custody No custody fee; inactivity fee €0 (eToro's price page). According to eToro, some unleveraged share purchases are executed as CFD contracts because of product restrictions. Withdrawals from a USD account 5 USD, free from a local currency account. Funds ETFs with no brokerage fee. Recurring Investment feature; according to the page, currency conversion of deposits for recurring investments is free of charge. ETF saving ETF trades with no brokerage fee; currency conversion may cost. Investor protection Cyprus Investor Compensation Fund (ICF): up to €20,000 for claims concerning products and services under the licence of eToro (Europe) Ltd.
Interactive BrokersBrokerno Helsinki exchangereport your trades to the tax authority yourself	not offered	no Helsinki exchange	min. 1 USDprice per share or fixed, see Terms	0.002%	Yes	No	not available
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices USA, IBKR Pro Fixed: 0.005 USD/share, min. 1.00 USD, at most 1% of the trade value. Tiered pricing is cheaper at large volumes. Currency exchange 0.20 basis points (0.002%) of the trade value, min. 2.00 USD. Fractional share trades at the same prices, min. 0.01 USD. Nordic and other markets Sweden has its own section in the price list. Finland (Nasdaq Helsinki) is not on Interactive Brokers' European shares price page in October 2026; in euro-denominated markets (e.g. Spain, Austria) the Fixed price is 0.05%, min. €3. Book-entry account and custody No monthly account fee according to the price pages (no platform fees or account minimum). Securities in the broker's nominee registration. Funds Fund and ETF trading according to the price list. ETF saving Normal brokerage fee on ETF trades. Investor protection Irish investor compensation scheme (Investor Compensation Scheme, ICCL): 90% of the loss, up to €20,000 per investor; applies to retail investors.
LightyearInvestment appno Helsinki exchangereport your trades to the tax authority yourself	not offered	no Helsinki exchange	0.10%min. 0.10 USD	0.35%	Yes	No	No
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices USA: 0.10% per order, min. 0.10 USD, at most 1 USD. Euro-denominated shares, bonds, ETNs and ETCs €1 per order. ETFs with no order fee. Currency exchange 0.35% to the real-time interbank rate. Instant deposit by card 0.6%. Nordic and other markets Sweden, Denmark and Norway 0.10%, min. 10 SEK/DKK/NOK (markets opened 10 December 2025). The Helsinki exchange is not on Lightyear's market list. Book-entry account and custody No custody fee. An investment account where the securities are nominee-registered with the broker and its custodians, not a Finnish book-entry account. Fractional shares are in a joint ownership structure through the custodian. Funds ETFs with no order or custody fees; the fund company's costs are paid. Money market funds (Savings) available in Finland. ETF saving No order or custody fee on ETF trades; currency exchange 0.35% if the ETF is not denominated in euros. Investor protection Estonian investor protection fund (Estonian Investor Protection Sectoral Fund): assets protected up to €20,000 regardless of country of residence (Lightyear's own information).
POP BankBankexecution via Nordnet	not offered	at Nordnet's prices	at Nordnet's prices	not available	not available	Yes	Yes
Equity savings account POP Bank does not offer its own equity savings account; according to the financial statements, the partner for securities services is Nordnet Bank AB Finnish branch. Trading prices Share trading through the partner Nordnet at Nordnet's prices. Nordic and other markets No own share brokerage. Book-entry account and custody The price list of POP Bank Suomen Osuuspankki has no prices for a book-entry account or share trading. Securities services through Nordnet (financial statements 2024 of POP Bank Suomen Osuuspankki). Funds Fund-specific fees are on the POP funds' pages; lump-sum subscriptions of POP funds had no subscription fee in a promotion from 13 October to 13 December 2025. ETF saving No own ETF trading. Investor protection Fund investments are mutual funds; investment fund activity is not covered by the Investors' Compensation Fund. Securities services are offered by the partner Nordnet, and as its customer the protection is determined by Nordnet.
Revolut (stocks)Investment appreport your trades to the tax authority yourself	not offered	not confirmed	0.25%min. €1	0.00%, free €1,000/month, above that 1.00%	not available	No	not available
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices On the Standard plan 1 fee-free order a month (Plus 3, Premium 5, Metal and Ultra 10), after that 0.25% of the trade amount, at least €1 (Ultra and Trading Pro 0.12%). Currency exchange on the Standard plan is free up to €1,000 a month, 1% on the part above that (Plus 0.5%, Premium, Metal and Ultra unlimited). US shares are traded in dollars. Nordic and other markets The availability of the Helsinki exchange was not confirmed. Book-entry account and custody Revolut Securities Europe UAB does not charge a custody fee (ex-ante cost statement). Investment account in the Revolut app; securities in the nominee registration of the broker and third parties. Funds In ETF investment plans the minimum fee for recurring purchases does not apply (ex-ante cost statement). ETF saving On recurring ETF purchases the fee above the monthly quota is 0.25% (Standard) with no €1 minimum; the ETF Investment Plan terms were not checked. Investor protection Lithuanian investor protection (Indėlių ir investicijų draudimas): up to €22,000 if Revolut Securities Europe UAB cannot return assets. Cash at Revolut Bank UAB is covered by deposit guarantee up to €100,000.
S-BankBank	not offered	no share trading	no share trading	not available	not available	Yes	Yes
Equity savings account S-Bank's personal customer pages have no equity savings account or share trading in October 2026; according to S-Bank, a fund portfolio is not a book-entry account or an equity savings account. S-Bank is also missing from the Financial Supervisory Authority's interim list of equity savings account providers (updated 2021). Trading prices S-Bank does not offer share trading to personal customers on its own pages. Nordic and other markets No direct share trading for personal customers. Book-entry account and custody The service price list (valid from 1 November 2025) has no prices for a book-entry account or share trading. For personal customers funds, monthly saving and Säästäjä micro-saving; securities services are for Private Banking and wealth management customers. Funds Most S-Bank funds have no subscription or redemption fee; passive funds have a subscription fee of 0.10-0.25%, which is paid to the fund. Minimum investment in most funds €10. Fund price list valid from 4 June 2026. ETF saving S-Bank does not broker ETF trading for personal customers. Investor protection Fund investments are mutual funds whose assets are kept separate from the fund company's assets; investment fund activity is not covered by the Investors' Compensation Fund (Financial Supervisory Authority).
SaxoBrokerprices not available	not available	prices not available	prices not available	not available	not available	not available	not available
Equity savings account Saxo Bank A/S is on the Financial Supervisory Authority's interim list of equity savings account providers (registered 19 December 2019), but the list was last updated on 17 May 2021. Saxo's Finnish-language pages (home.saxo/fi-fi) returned a 404 error on 16 October 2026, and saxo.com could not be checked, so the current offering could not be confirmed. Trading prices Saxo's price list could not be opened in October 2026; the figures are left empty. Nordic and other markets Could not be verified. Book-entry account and custody Could not be verified. Could not be verified from Saxo's own pages. Funds Not checked. ETF saving Not checked. Investor protection Could not be verified from Saxo's own pages in October 2026.
Seligson & CoFund companyfunds only	not offered	no share trading	no share trading	not available	not available	Yes	Yes
Equity savings account Fund company; no equity savings account. You cannot buy funds or ETFs in an equity savings account. Trading prices Fund company, no share trading. Nordic and other markets No share brokerage. Book-entry account and custody Fund units are subscribed directly from the fund company; no book-entry account. The Seligson & Co OMX Helsinki 25 exchange-traded fund is bought through a broker into a book-entry account. Funds No subscription fee to the fund company; in equity index funds a trading fee of 0.1% on subscription and redemption, paid to the fund. Minimum subscription €10 directly through Seligson (€30 through LähiTapiola). A regular saving agreement is not required. Price list valid from 25 September 2026. ETF saving When trading Seligson's OMX Helsinki 25 ETF, the broker's brokerage fee is paid. Investor protection The assets of mutual funds are kept separate from the fund company's assets; investment fund activity is not covered by the Investors' Compensation Fund (Financial Supervisory Authority).
Trading 212Investment appreport your trades to the tax authority yourself	not offered	not confirmed	0 USD flat	0.15%	Yes	No	not available
Equity savings account Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority. Trading prices The Invest account has no brokerage fee or custody fee; the only fee charged by Trading 212 is the 0.15% currency exchange fee. Exchange and authority fees (e.g. US SEC and FINRA fees on sales) are added. Nordic and other markets The availability of Helsinki exchange shares on the Invest account could not be confirmed from Trading 212's pages; on the community forum staff replied in January 2022 that the Finnish market is being considered with no timetable. Book-entry account and custody No custody fee on the Invest account. Invest account, securities in the broker's nominee registration. According to Trading 212, the accounts of people resident in Finland belong to Trading 212 EU GmbH. According to an Austrian industry news page, the Cypriot Trading 212 Markets Ltd ceased to be a contracting party on 6 September 2026; this was not confirmed from Trading 212's own notice. Funds ETFs with no brokerage fee. Regular investing as Pies portfolios; 0.15% on currency exchanges in Pies portfolios. ETF saving No brokerage fee; currency exchange 0.15% on non-euro instruments. Investor protection German investor protection (EdW): 90% of eligible assets, up to €20,000 per person. Uninvested cash in German partner banks is covered by deposit guarantee up to €100,000 per bank.

18 providers. The price is a percentage of the trade value and a minimum fee; US prices are in the provider's currency (USD marked). The main value is the ordinary price and the new-customer price is on its own line. An empty field gives the reason. The Helsinki order is by the ordinary minimum fee.

What do the yellow labels mean?

The labels are derived from the provider's own data fields and notes, not from assessments. The table gives the rule and says which providers have the label.

Rules of the labels how the yellow labels are derived from the data and which providers have them
Label	Rule in the data	Providers
new-customer price	The notes on trading prices say that the price is a new-customer price class ("a new customer trades" or "that a new customer gets").	Nordnet, OP
only Helsinki shares in the equity savings account	The notes on the equity savings account say that you can only trade shares listed on Nasdaq Helsinki and First North Finland.	OP
no Helsinki exchange	The Helsinki minimum and percentage are empty, and the notes on the Nordic markets say that the Helsinki exchange is not offered.	Lightyear, Interactive Brokers
report your trades to the tax authority yourself	The field finnishTaxReporting is false: the provider does not report sales to the Tax Administration.	Lightyear, Trading 212, Interactive Brokers, DEGIRO, eToro, Revolut (stocks)
prices not available	Opening the price list failed (the notes say that the price list could not be opened) and all price fields are empty.	Saxo
funds only	The provider is a fund company (type fund-company) and has no share trading prices.	Seligson & Co
execution via Nordnet	The notes on trading say that share trading goes through Nordnet.	POP Bank

Go deeper

Equity savings account: comparison, costs and taxation
Index funds: the cheapest index funds with their costs
Investing for beginners: costs and risks
ETF investing: costs, fractional shares and monthly saving
Taxation of foreign brokers: forms 9A and 16B
Savings rates: compare investing and deposits. Deposits are covered by the deposit guarantee, investments are not, and the value of investments can fall.
Private banking: for example the Nordnet loyalty programme is described in the private banking comparison.

Providers (18)

Method

On 16 October 2026 we collected the prices of banks, brokers, fund companies and foreign investment apps operating in Finland from their own price lists (price list PDFs, price pages, cost statements and terms). We did not use figures from comparison sites, news or memory. For trading prices, the main value is the ordinary price paid by a customer who trades rarely (for example Nordnet level 3 and OP's book-entry account level 1). A new customer's time-limited price is shown separately: Nordnet level 1 for the first two months and OP level 3 for the first quarter. In the Säästöpankki and POP Bank groups, prices are set by each bank, so the example banks are Avain Säästöpankki and POP Bank Suomen Osuuspankki. Fund costs are ongoing charges or management fees, depending on what the fund company publishes, and which one applies is marked. The prices of foreign brokers come from the price lists of their EU company; minimums in USD are marked with the currency. If the information was not found in the provider's own sources, the value is empty (null) and the reason is given. Prices change, so check the current price with the provider before deciding.

Not investment advice. Investing involves risk. Pankkitutka compares costs and does not recommend individual investments or service providers. The value of investments can rise and fall, and you can lose the money you invest.

Data checked 16 October 2026. Always check the current prices with the provider.

Frequently asked questions

What is the cheapest equity savings account?

In October 2026 the cheapest equity savings account for an occasional trader (one €1,000 trade a month on the Helsinki exchange, ordinary price) is €60.00/year: OP, Säästäjä package, note: only Helsinki shares in the equity savings account. Equity savings accounts are offered by Nordnet, OP, Danske Bank, Nordea and Ålandsbanken. The monthly account fees are Nordnet €0.00/month, OP €0.00/month, Danske Bank €2.00/month, Nordea €2.45/month, Ålandsbanken €4.00/month. The actual cheapest depends on the size and number of your trades, so use the calculator on this page. The comparison covers costs and is not investment advice.

What is the cheapest way to buy shares on the Helsinki exchange?

In October 2026 the cheapest brokerage fee for one €10,000 trade in Helsinki is €4.90/trade: DEGIRO, note: report your trades to the tax authority yourself. The cheapest price for a €100 trade is €1.00/trade: OP, note: only Helsinki shares in the equity savings account and Nordea: for small trades the percentage cap is cheaper than the fixed minimum. The prices are ordinary prices without the new-customer discount. Check the current price list with the provider.

How much does Nordnet cost?

In October 2026 Nordnetin book-entry account and equity savings account are free of charge (€0.00/month). Trades on the Helsinki exchange: 0.15%, min. €7 when you make 1-10 trades a month, and the price falls as the number of trades grows. New customer: 2 mo.: 0.06%, min. €3. US trades: 0.20%, min. €15, currency unclear. Currency conversion 0.25%. See the exact price levels on the page Nordnet price list (/en/investing/nordnet).

Which brokers do not offer an equity savings account?

In October 2026 according to the data, an equity savings account is not offered by S-Bank, Säästöpankki (Avain Säästöpankki), POP Bank, Seligson & Co, Lightyear, Trading 212, Interactive Brokers, DEGIRO, eToro and Revolut (stocks). The offer could not be confirmed for: Aktia, Evli and Saxo. By law an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and none of the foreign apps we checked offers one. Read more on the page equity savings account (/en/investing/equity-savings-account).

Do I have to report trades through a foreign broker myself?

In October 2026 sales of securities, including those made through a foreign remote broker, are reported on form 9A; other capital income received through a remote broker, as well as foreign dividends and foreign tax paid, on form 16B. According to the data, the brokers you report yourself are Lightyear, Trading 212, Interactive Brokers, DEGIRO, eToro and Revolut (stocks). Finnish banks and brokers report sales to the Tax Administration and the information is pre-filled, but acquisition details may be missing. Source: Verohallinto: Ilmoita tulot sijoituksista. Read more in the guide taxation of foreign brokers (/en/guides/foreign-broker-taxation).

What is the cheapest index fund?

In October 2026 the cheapest index fund by ongoing charges is 0.00%/year: Nordnet: Nordnet Suomi Indeksi. Only funds whose ongoing charges are published are ranked. Funds that publish only a management fee, such as Nordea and OP, are in a separate list, and time-limited prices are marked. See all funds on the page index funds (/en/investing/index-funds).

Is this investment advice?

No. Pankkitutka compares the costs of brokers and funds and does not recommend individual investments or providers. Not investment advice. Investing involves risk. The value of investments can rise and fall, and past returns are no guarantee of future returns.