Aktia private banking 2026: wealth threshold and services
In October 2026, Aktia Premium Banking costs €6/month and requires, in addition to Etuasiakas (preferred customer) status, at least €50,000 of savings and investments or €150,000 of loans, and Private Banking is intended for at least €500,000 of investment assets at Aktia. The Premium fee is waived if there are at least €200,000 in Aktia funds.
Aktia tiers from lowest to highest
| Tier | Class | Published minimum | Monthly fee | Notes |
|---|---|---|---|---|
| Aktia Premium Banking | Premium tier | at least €50,000 | €6/month | |
| Aktia Private Banking | Private banking | at least €500,000 | not published | |
| Aktia Avara (insurance-wrapped wealth management) | Wealth management | over €500,000 | not published |
Tiers are ordered by the published threshold, with a tier without a threshold last. The class is derived from the tier name and wording: Premium tier, Private banking, Wealth management or Investor benefit programme.
What counts towards the wealth threshold?
Aktia Premium Banking
Eligible customers are those who meet the conditions of Etuasiakas (preferred customer) status "and who also have at least €50,000 of savings and investments at Aktia and/or at least €150,000 of loans". The threshold applies to assets held at Aktia; household calculation is not mentioned.
No income threshold is published. The alternative condition is at least €150,000 of loans. The conditions of Etuasiakas (preferred customer) status must also be met.
Loan route: The client relationship can also be obtained with a loan, not only with assets.
Aktia describes Premium Banking as a step towards private banking level wealth management.
Aktia Private Banking
"The Aktia Private Banking service is intended for customers whose investment assets, comparable to cash, are at least €500,000 at Aktia." The threshold applies to assets held at Aktia.
No income threshold is published.
Aktia Avara (insurance-wrapped wealth management)
Aktia Avara is intended for "over €500,000 of investment assets", and "your assets are always managed under the discretionary model".
No income threshold is published.
Sijoitusvakuutus (unit-linked insurance) and Kapitalisaatiosopimus (capitalisation agreement) are discretionary management in an insurance wrapper. The minimum amount for a direct (non-insurance) discretionary portfolio is not published.
Discretionary management
Aktia Avara Sijoitusvakuutus and Kapitalisaatiosopimus are discretionary management in an insurance wrapper "for over €500,000 of investment assets". The minimum amount for a direct (non-insurance) discretionary portfolio is not published.
| Tier | Minimum | Additional information |
|---|---|---|
| Aktia Premium Banking | - | No tier-specific information. |
| Aktia Private Banking | - | No tier-specific information. |
| Aktia Avara (insurance-wrapped wealth management) | €500,000 | Aktia Avara Sijoitusvakuutus and Kapitalisaatiosopimus are discretionary management in an insurance wrapper for over €500,000 of investment assets. |
Read more in the guide wealth management and investor protection.
Prices and content by tier
Aktia Premium Banking
Monthly fee: €6/month. "The price of the service is €6/month", and it includes a current account, online bank, Aktia Mobile Bank and Aktia ID. The monthly fee is not charged if there are at least €200,000 of Aktia fund investments. Aktia Platinum Credit/Debit €5/month (normally €15/month).
- Your own Premium banker
- Premium customer service
- Wealth management solutions at private banking level
- Aktia Debit additional card without a monthly fee
- Metal Aktia Platinum Credit/Debit €5/month (Priority Pass, four free lounge visits per year)
- Option to apply for an unsecured credit facility of up to €50,000
- Market reviews and customer events
Aktia Private Banking
Monthly fee: not published. Not published.
- Your own private banker and a team of experts
- Discretionary management, also in insurance form
- Wealth planning and legal services
- Insurance solutions as part of wealth planning
- Aktia Infinite Private Banking payment card
- Corporate banking services
Aktia Avara (insurance-wrapped wealth management)
Monthly fee: not published. Not published.
- Discretionary management in an insurance wrapper (Sijoitusvakuutus and Kapitalisaatiosopimus)
Read also
- Private banking services compared
- Wealth management and investor protection
- Aktia price list and service fees
- Aktia: trading costs and price list
Other providers
Sources
- Aktia Premium Bankingretrieved 16 October 2026
- Aktia Private Bankingretrieved 16 October 2026
- Aktia Avararetrieved 16 October 2026
Data checked 16 October 2026. Check the current terms and prices with the provider.
Frequently asked questions
What is the private banking threshold at Aktia?
In October 2026 the published wealth thresholds of the tiers at Aktia are: Aktia Premium Banking at least €50,000; Aktia Private Banking at least €500,000; Aktia Avara (insurance-wrapped wealth management) over €500,000. Published minimum for discretionary management: Aktia Avara (insurance-wrapped wealth management) €500,000. Note: loan route also possible (conditions apply); insurance wrapper: compensation fund does not apply.
What counts towards the wealth threshold at Aktia?
In October 2026 Aktia Private Banking: "The Aktia Private Banking service is intended for customers whose investment assets, comparable to cash, are at least €500,000 at Aktia." The threshold applies to assets held at Aktia. No income threshold is published.
How much does Aktia private banking cost?
In October 2026 Published monthly fees at Aktia: Aktia Premium Banking: €6/month; Aktia Private Banking: monthly fee not published; Aktia Avara (insurance-wrapped wealth management): monthly fee not published. Not published. Check the current price with the provider.