Compare the best Finnish bank accounts for expats. From Nordic banks to international digital platforms. Updated March 2026.
Tax note for Finland: Finland taxes interest income at 30%. Finnish deposit guarantee covers up to 100,000 EUR per person per institution under EU rules. Banks report interest income to Vero (Finnish Tax Administration) automatically.
Our pick for Finland
Wise — Real exchange rate, no hidden fees
Trusted by 16M+ people worldwide. Send, spend, and receive in 40+ currencies at the real mid-market rate. Multi-currency account with local bank details in 10+ countries. No monthly fees.
We evaluated banks available to expats in Finland based on monthly fees, card costs, ATM networks, foreign exchange markups, ease of account opening, and app quality. Finnish banks require a henkilotunnus (personal identity code) for full account access. Wise and Revolut can be opened without one.
What to look for as an expat in Finland
Henkilotunnus -- Finnish personal identity code required for most bank accounts. Apply at DVV (Digital and Population Data Services Agency) or the local register office after moving to Finland.
Finnish online banking credentials -- Used as digital identity for government services, tax filing, and healthcare. You get these through your Finnish bank (Nordea or OP).
MobilePay -- Finland uses MobilePay for person-to-person payments. Requires a Finnish bank account. Widely used for splitting bills and small purchases.
Euro zone -- Finland uses the euro, making SEPA transfers free and fast. No currency conversion needed for EUR-denominated accounts.
High digital adoption -- Finland is highly digitised. Card payments accepted almost everywhere, and online banking is the standard for all transactions.
Calculate your Finland salary first
Know exactly how much you take home after Finnish income tax before deciding how to manage your money.