Compare Bank Current Accounts in Finland

Updated on 24 November 2018

21 offers from 8 banks
Interest Rates: 0.00 - 0.00 % p.a.
Overdraft Rates: 7.00 - 7.00 % p.a.
Annual Costs: 0.00 - 216.00 EUR
 Aktia
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Established in 1825 as a savings bank, Aktia Bank Plc is a Finnish commercial bank. Aktia Bank provides a broad range of banking products and services as well as asset management, insurance and real estate services.

Product Name
Youth
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Only for people 18-26 years old
 Aktia
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Established in 1825 as a savings bank, Aktia Bank Plc is a Finnish commercial bank. Aktia Bank provides a broad range of banking products and services as well as asset management, insurance and real estate services.

Product Name
Premium
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
30 000 EUR of savings or saving 400 EUR per month
 S-Pankki
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

S-Pankki Oy is a Finnish retail bank, providing a broad range of retail banking products and services (including current and savings accounts, payment cards and consumer loans) to private individuals ans business customers.

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.
 Nordea
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Nordea is a Swedish financial services group, the largest one in the Nordic and Baltic region. Nordea focused on prodiving corporate and institutional banking as well as retail and private banking products and services. Nordea also offers life insurance and pensions products. Nordea Bank AB (publ), Suomen sivuliike operated as a branch of Nordea Bank AB (Sweden).

Product Name
Check-in
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Only for people 18-28 years old
 Nordea
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Nordea is a Swedish financial services group, the largest one in the Nordic and Baltic region. Nordea focused on prodiving corporate and institutional banking as well as retail and private banking products and services. Nordea also offers life insurance and pensions products. Nordea Bank AB (publ), Suomen sivuliike operated as a branch of Nordea Bank AB (Sweden).

Product Name
Key account Customer
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
30 000 EUR of loans and savings required
 OP
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

OP-Korttiyhtiö (OP Card Company) provides unsecured consumer credits to private individuals, customers of OP Group member banks.

Product Name
Nuoret
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
12.00 EUR + 7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Only for people 18-26 years old
 Danske Bank
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Danske Bank (Helsinki Branch) operates as a universal bank, focused on providing corporate banking products and services to Finnish and international corporate and institutional customers.

Product Name
Silver
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 - 81.60 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Fees vary depending on the amount of loans and savings and customer profile:
Level 1 = 0 EUR
Level 2 = 10 000 EUR
Level 3 = 50 000 EUR
Level 4 = 150 000 EUR
Level 5 = age 18-27
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Established in 1919 by local entrepreneurs, Ålandsbanken (Bank of Åland) is a Finnish commercial bank, focused on providing private banking and asset management products and services. Ålandsbanken also offers a broad range of retail banking products.

Product Name
Youth
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
0.00 EUR

Handelsbanken Finans offers customized corporate finance products and services, including vehicle leasing and loans, sales financing, e-commerce services, debt collection. Handelsbanken Finans Aktiebolag (publ), filialverksamheten i Finland operates as a branch of Handelsbanken Finans AB (Sweden).

Product Name
Youth
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
0.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 Nordea
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
24.00 EUR

Nordea is a Swedish financial services group, the largest one in the Nordic and Baltic region. Nordea focused on prodiving corporate and institutional banking as well as retail and private banking products and services. Nordea also offers life insurance and pensions products. Nordea Bank AB (publ), Suomen sivuliike operated as a branch of Nordea Bank AB (Sweden).

Product Name
Regular Customer
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
24.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
6 000 EUR of loans and savings required
 Danske Bank
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
27.60 EUR

Danske Bank (Helsinki Branch) operates as a universal bank, focused on providing corporate banking products and services to Finnish and international corporate and institutional customers.

Product Name
Gold
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
27.60 - 82.80 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Fees vary depending on the amount of loans and savings and customer profile:
Level 1 = 0 EUR
Level 2 = 10 000 EUR
Level 3 = 50 000 EUR
Level 4 = 150 000 EUR
Level 5 = age 18-27
 OP
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
35.40 EUR

OP-Korttiyhtiö (OP Card Company) provides unsecured consumer credits to private individuals, customers of OP Group member banks.

Product Name
Co-op member
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
12.00 EUR + 7.00 %
Annual Costs
35.40 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.
 Aktia
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
48.00 EUR

Established in 1825 as a savings bank, Aktia Bank Plc is a Finnish commercial bank. Aktia Bank provides a broad range of banking products and services as well as asset management, insurance and real estate services.

Product Name
Perk Customer
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
48.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
500 EUR of regular income required
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
60.00 EUR

Established in 1919 by local entrepreneurs, Ålandsbanken (Bank of Åland) is a Finnish commercial bank, focused on providing private banking and asset management products and services. Ålandsbanken also offers a broad range of retail banking products.

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
60.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
60.00 EUR

Oma Säästöpankki Oyj is a savings bank providing a wide range ofsavings products and loans to private individuals and corporate customers.

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
60.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 OP
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
65.40 EUR

OP-Korttiyhtiö (OP Card Company) provides unsecured consumer credits to private individuals, customers of OP Group member banks.

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
12.00 EUR + 7.00 %
Annual Costs
65.40 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 Nordea
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
90.00 EUR

Nordea is a Swedish financial services group, the largest one in the Nordic and Baltic region. Nordea focused on prodiving corporate and institutional banking as well as retail and private banking products and services. Nordea also offers life insurance and pensions products. Nordea Bank AB (publ), Suomen sivuliike operated as a branch of Nordea Bank AB (Sweden).

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
90.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 Danske Bank
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
96.00 EUR

Danske Bank (Helsinki Branch) operates as a universal bank, focused on providing corporate banking products and services to Finnish and international corporate and institutional customers.

Product Name
Platinum
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
96.00 - 216.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Notes
Fees vary depending on the amount of loans and savings and customer profile:
Level 1 = 0 EUR
Level 2 = 10 000 EUR
Level 3 = 50 000 EUR
Level 4 = 150 000 EUR
Level 5 = age 18-27
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
96.00 EUR

Handelsbanken Finans offers customized corporate finance products and services, including vehicle leasing and loans, sales financing, e-commerce services, debt collection. Handelsbanken Finans Aktiebolag (publ), filialverksamheten i Finland operates as a branch of Handelsbanken Finans AB (Sweden).

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
96.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 Aktia
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
102.00 EUR

Established in 1825 as a savings bank, Aktia Bank Plc is a Finnish commercial bank. Aktia Bank provides a broad range of banking products and services as well as asset management, insurance and real estate services.

Product Name
Basic
Currency
EUR
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Annual Costs
102.00 EUR
Debit Card
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
 S-Pankki
Finland
Interest Rate
0.00 %
Overdraft Rate
7.00 %
Min Annual Costs
108.00 EUR

S-Pankki Oy is a Finnish retail bank, providing a broad range of retail banking products and services (including current and savings accounts, payment cards and consumer loans) to private individuals ans business customers.

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.

Current accounts are usually non-interest bearing deposit accounts which are designated to perform day-to-day banking transactions and are often offered with a payment card (a debit card and/or a credit card). Also current accounts may include overdraft possibility.

The table above shows selected current accounts offered to retail customers by the banks in Finland. The interest rates (per annum) are within the range 0.00 - 0.00 %,the overdraft rates (per annum) - 7.00 - 7.00 %, the annual costs - 0.00 - 216.00 EUR.

Current accounts made with credit institutions in Finland are covered by deposit guarantee scheme up to 100 000 EUR per depositor.

The data are provided by vertaaEnsin.fi.

See Also