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Banking in Finland


Opening a bank account in Finland is fairly easy and straightforward. Nonetheless, it is a good idea to make an appointment with your local bank.

It is a good idea to also acquire online banking credentials when opening a bank account. With online banking credentials you can, for example, attend to many official matters online. However, the requirements for obtaining online banking credentials are stricter than those for opening a bank account. Thus, in some cases, you cannot get online banking credentials even if you have a bank account.

Usually you will be required to present at least the following documents:

  • Passport or other official ID with a photo

  • Certificate of employment/Certificate of scholarship

  • Residence permit (non-EU citizens) or registration of residence (EU citizens)

  • Work contract /Certificate of scholarship or grant

  • Finnish personal ID code (required in most banks)

Banks are usually open Monday to Friday from 10:00 to 16:15. When you are setting up your account go to the information desk to make sure you get the right queue number to the right counter.

A good way to obtain identification online is to order a Finnish ID card from the police. More information about the ID card can be found here. For more information on banking, please see Banking