S-Bank fees and price list 2026: equity savings account, trading and funds
In October 2026 S-Bank offers personal customers funds and monthly saving from €10, but no equity savings account or share trading. The ongoing charges of the passive USA and Europe funds are 0.50%.
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.
S-Bank trading costs
| Market | Price | Details |
|---|---|---|
| Helsinki exchange | no share trading | S-Bank does not offer share trading to personal customers on its own pages. |
| US (NYSE, Nasdaq) | no share trading | The price is in euros. |
| Nordic and other markets | see details | No direct share trading for personal customers. |
| Currency conversion | not available | The currency conversion markup applies to trades in a foreign currency. |
The price in the table is the ordinary price paid by a customer who trades rarely. Calculate your own cost with the cost comparison calculator.
Equity savings account
| Fact | Value |
|---|---|
| Offered | not offered |
| Monthly fee | not available |
| Opening fee | not available |
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).
Read the rules, taxation and comparison on the page equity savings account.
Book-entry account and custody
Custody: not available. Monthly fee: not available.
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 and ETFs
| Fund | Cost | Type of cost | Notes |
|---|---|---|---|
| S-Pankki Passiivinen USA ESG Osake A | 0.50% | ongoing charges | Figure for 2025; subscription fee 0.10%. |
| S-Pankki Passiivinen Eurooppa ESG Osake A | 0.50% | ongoing charges | Figure for 2025; subscription fee 0.25%. |
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. Smallest monthly saving or investment: €10.00. Minimum investment in most funds €10. Fund price list valid from 4 June 2026.
ETF monthly saving: not available. S-Bank does not broker ETF trading for personal customers. Fractional shares: not available.
Compare funds on the page index funds.
Taxation and reporting
S-Bank reports your sales to the Tax Administration, and the information is pre-filled on the tax return. Acquisition details may still be missing. Service in Finnish: yes. Read taxation of foreign brokers.
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). Read also about the deposit guarantee: the deposit guarantee and the investors' compensation fund are different things.
Reviews: ratings of S-Bank
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 1.7 / 5 | 89 reviews | s-pankki.fi on Trustpilot |
| App Store: S-mobiili | 4.4 / 5 | 31,648 ratings | App in the App Store |
| Google Play: S-mobiili | 4.3 / 5 | 67,617 ratings, all countries | App on Google Play |
- The Trustpilot profile is unclaimed: the company has not taken control of it.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: Fund saving from €10/month
- Pro: Most funds have no subscription or redemption fees
- Pro: The bonus can be directed into a fund
Cons
- Con: No equity savings account or share trading
- Con: Ongoing charges of 0.50% on passive funds are high for an index fund
Read also
- Investment services compared
- Equity savings account: comparison, costs and taxation
- Investing for beginners
- S-Bank price list and service fees
- S-Bank private banking and wealth management
- Savings rates (compare with deposits, which are covered by the deposit guarantee)
Other providers
Sources
- S-Pankki Rahastoyhtiö: Rahastojen hinnasto (voimassa 4.6.2026)retrieved 16 October 2026
- S-Pankki: Palveluhinnasto asiakasomistajille (voimassa 1.11.2025)retrieved 16 October 2026
- S-Pankki: Säästäminen ja sijoittaminenretrieved 16 October 2026
- S-Pankki: Kuukausisäästäminenretrieved 16 October 2026
- Finanssivalvonta: Talletusten ja sijoitusten suoja (päivitetty 22.5.2025)retrieved 16 October 2026
- Finanssivalvonta: Osakesäästötilipalvelun tarjoajat (väliaikainen lista, päivitetty 17.5.2021)retrieved 16 October 2026
- Verohallinto: Vuosi-ilmoitus arvopapereiden ostoista ja myynneistä, täyttöohje 2026retrieved 16 October 2026
Data checked 16 October 2026. Check the current prices and terms with the provider.
Frequently asked questions
What does trading at S-Bank cost?
In October 2026 S-Bank trading prices are not in the data: S-Bank does not offer share trading to personal customers on its own pages.
Does S-Bank offer an equity savings account?
In October 2026: no. 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).
Does S-Bank report trades to the Tax Administration?
In October 2026 S-Bank reports the customer's securities sales to the Tax Administration and the information is pre-filled on the tax return. Acquisition details may still be missing, so check and complete them.
What do the index funds at S-Bank cost?
In October 2026 costs of S-Bank index funds: S-Pankki Passiivinen USA ESG Osake A 0.50% (ongoing charges); S-Pankki Passiivinen Eurooppa ESG Osake A 0.50% (ongoing charges). Ongoing charges and a management fee are not directly comparable.