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Banking in Finland

Best banks in Finland for expats & digital nomads

Opening a bank account is one of the first things you do after moving to Finland. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.

How to open a bank account in Finland

A Finnish personal identity code (henkilotunnus) and registered address are essential for a standard account, and identity is verified in person at a branch; non-EU citizens often also need a Finnish ID card for strong electronic identification. You generally cannot open a Finnish account from abroad before registering in Finland.

Our top pick

Wise multi-currency account

Wise is the option we recommend for almost anyone moving to Finland: hold and convert 40+ currencies, get local account details to be paid like a local, and send money at the real exchange rate with low, transparent fees. It works before you even arrive, so you can receive income and pay deposits while your local account is still being set up.

Open a free Wise account →

Affiliate link: we may earn a commission at no cost to you. Wise is a fintech, not a bank; balances are safeguarded, not covered by deposit insurance.

Top banks in Finland

Nordea

traditional
Clearest English onboarding for newcomers

Runs an explicit English 'new to Finland' process and English service line; requires a Finnish personal identity number and a branch visit.

OP (Osuuspankki)

traditional
Largest branch network, cooperative model

Finland's largest financial group; owner-customers get benefits. Needs passport/ID, proof of residence right, a Finnish identity code and address.

S-Pankki (S-Bank)

traditional
Low-fee everyday account, S-Group shoppers

Free daily banking for S Group co-op members; still needs a henkilotunnus and its identity interview is documented as strict for non-Finnish speakers.

Danske Bank Finland

traditional
Full-service banking

Major bank offering accounts and mortgages; requires a Finnish personal identity number.

Holvi

digital
Freelancers and entrepreneurs

Digital business account with a Finnish IBAN that can work without a henkilotunnus, but does not support Finnish bank-ID identification.

International accounts & neobanks

Revolut

Multi-currency app account available to Finnish residents; commonly used as a temporary account on arrival.

N26

German-licensed mobile bank available in Finland; fully online with video ID, though may require a registered address.

Availability changes; confirm on each provider's site.

Next steps in Finland

See the full Finland tax, cost and visa profile, or compare Finland with other destinations. Not sure where to go yet? Take the finder quiz.