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Banks & Branches in Finland

Banking in Finland is usually a simple and efficient process. You may for example be surprised to receive an active ATM (cash machine) card during the short process of opening an account. That visit, thanks to online banking, will probably be one of few visits to the bank you ever have to make.

Finns use the least physical cash per capita in the world; your ATM card can be used in place of cash almost anywhere, using funds from either your credit or debit account. The need for a personal visit to the bank is further reduced because, even if you don't have online banking set up, you can for example use your card to pay bills at Nordea's payment ATMs.

Top Tip: Forget about using cheques / checks in Finland!
Checks have not been in use for over 20 years. If you do need to deposit a cheque into your account it can be a lengthy and expensive process, and may require an appointment with a bank officer. Make sure you have photo ID and your account details with you.

Finnish Banks

There were 256 'deposit banks' (our traditional notion of a bank) in Finland at year-end 2013, and 15 branches of foreign deposit banks. Other Finnish credit institutions totalled 8, and other branches of foreign credit institutions totalled 11. The three largest banking groups, Nordea Bank Finland, the OP-Pohjola Group and Danske Bank, represent about 75% of the deposit and credit markets. There are also finance companies, mutual fund companies, and life assurance companies. Source: Statistics Finland 2015

Main Bank Contacts

All phone numbers are for personal customers, service Finland-wide Some calls are charged on a per-minute basis.
Branches: If you cannot find your local branch through the bank's web site, you can try the Finland-Wide Branch Contacts PDF, but keep in mind it was last updated in April 2011.

Finland-Wide Bank Branches, 2011

In the past, the Federation of Finnish Financial Services published a complete directory of member bank* branches in Finland, with their contact details, in regional and numeric order (Finnish, Swedish and English). They have stopped updating the document and now refer you to each bank's web site, but if you are having difficulty finding the contact details you are looking for you can try the archived PDF below.
* member banks include all those listed above.

International Money Transfers & Currency Exchange

Foreign Exchange: Forex is the dominant currency exchange agency in Finland. Banks also provide foreign currency exchange services.
Top Tip: It is worth exchanging large amounts at a time to avoid service charges!

Wires / Money transfers: Money can easily be wired to/from Finland from offices throughout the country. The following companies all have multilingual web sites:

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