S-Pankki Oy

Business Summary

Services
retail banking
Products
current accounts
debit cards
credit cards
savings accounts (0.10 - 0.10 %)
time deposit accounts
consumer loans (from 4.67 %)
Eligible Clients
private individuals
business entities

S-Pankki Oy provides services in the area of retail banking. The range of products offered by S-Pankki Oy includes current accounts, debit cards, credit cards, savings accounts (0.10 - 0.10 %), time deposit accounts, consumer loans (from 4.67 %). S-Pankki Oy makes its solutions available to private individuals, business entities.

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with S-Pankki Oy are covered by deposit guarantee scheme of Finland up to 100,000 EUR per depositor. The following current accounts are offered by S-Pankki Oy.

Updated on 23 October 2019

Sales Region
Finland
Currency
EUR
Annual Costs
0.00 EUR
Overdraft Rate
4.50 EUR + 7.00 %
Current Account Details
Product Name
Co-op member
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
4.50 EUR + 7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Co-op membership fee of 100 EUR is paid once when joining the cooperative. The fee is refunded when the membership is terminated.
Sales Region
Finland
Currency
EUR
Annual Costs
108.00 EUR
Overdraft Rate
4.50 EUR + 7.00 %
Current Account Details
Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
4.50 EUR + 7.00 %
Annual Costs
108.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking

Finland: This product is offered to Finnish residents only. When clicking on the product link you will be redirected to the product page in Finnish.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Savings accounts made with S-Pankki Oy are covered by deposit guarantee scheme of Finland up to 100,000 EUR per depositor. S-Pankki Oy offers the following savings accounts.

Updated on 23 October 2019

Sales Region
Finland
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Savings Account Details
Product Name
Tuottotili
Account Currency
EUR
Withdrawal Limit
none
Extra Withdrawal Fee
none
Min. Extra Withdrawal Fee
none

Finland: This product is offered to Finnish residents only. When clicking on the product link you will be redirected to the product page in Finnish.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with S-Pankki Oy are covered by deposit guarantee scheme of Finland up to 100,000 EUR per depositor. S-Pankki Oy offers the following time deposit accounts.

Updated on 23 October 2019

Sales Region
Finland
Account Currency
EUR
Interest Rate (p.a.)
n/a *)
Deposit Term
1 - 36 months

Finland: This product is offered to Finnish residents only. When clicking on the product link you will be redirected to the product page in Finnish.

*) n/a interest rate indicates an interest rate negotiable on a personal basis.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by S-Pankki Oy.

Updated on 23 October 2019

Sales Region
Finland
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Fee
0.00 EUR
Credit Card Details
Product Name
S-Etukortti Visa Credit
Annual Fee
0.00 EUR
Card Provider
Visa
Card Type
Standard
Interest Rate
6.00 %
Cash Back
Reward Points
Travel Insurance
Purchase Insurance
Lounge Access
Min. Age
18 years
Min. Monthly Fee
0.00 EUR
Max. Monthly Fee
2.00 EUR
Sales Region
Finland
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Fee
0.00 EUR
Credit Card Details
Product Name
S-Etukortti Visa Credit/Debit
Annual Fee
0.00 EUR
Card Provider
Visa
Card Type
Standard
Interest Rate
6.00 %
Cash Back
Reward Points
Travel Insurance
Purchase Insurance
Lounge Access
Min. Age
18 years
Min. Monthly Fee
0.00 EUR
Max. Monthly Fee
2.00 EUR
Sales Region
Finland
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Fee
30.00 EUR
Credit Card Details
Product Name
S-Pankki Visa Credit
Annual Fee
30.00 EUR
Card Provider
Visa
Card Type
Standard
Interest Rate
9.00 %
Cash Back
Reward Points
Travel Insurance
Purchase Insurance
Lounge Access
Min. Age
18 years
Min. Monthly Fee
0.00 EUR
Max. Monthly Fee
2.00 EUR
Sales Region
Finland
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Fee
30.00 EUR
Credit Card Details
Product Name
S-Pankki Visa Credit/Debit
Annual Fee
30.00 EUR
Card Provider
Visa
Card Type
Standard
Interest Rate
9.00 %
Cash Back
Reward Points
Travel Insurance
Purchase Insurance
Lounge Access
Min. Age
18 years
Min. Monthly Fee
0.00 EUR
Max. Monthly Fee
2.00 EUR

Finland: This product is offered to Finnish residents only. When clicking on the product link you will be redirected to the product page in Finnish.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by S-Pankki Oy are shown in the table below.

Updated on 23 October 2019

Sales Region
Finland
Loan Currency
EUR
Min Borrowing Rate (p.a.)
4.67 %
Loan Term
12 - 144 months
Consumer Loan Details
Loan Currency
EUR
Min Borrowing Rate (p.a.)
4.67 %
Max Borrowing Rate (p.a.)
10.00 % + 3 month Euribor
Rate Depends On
customer profile
benchmark rate
Loan Term
12 - 144 months
Loan Amount
5,000 - 50,000 EUR
Monthly Fee
7.00 EUR

Finland: This product is offered to Finnish residents only. When clicking on the product link you will be redirected to the product page in Finnish.

See Also