Banks & Branches in Finland

Introduction
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 25 years.
If you need to deposit a cheque it will be a lengthy and probably expensive process, and may require an appointment with a bank officer. Make sure you have photo ID and supporting documents.
You will not be able to write a cheque with a Finnish bank account.

Finnish Banks

There were 187 'deposit banks' (our traditional notion of a bank) in Finland in January 2021, and about 15 branches of foreign deposit banks. The three largest banking groups, Nordea Bank Finland, the OP Group and Danske Bank, represented about 3/4 of the deposit and credit markets. There are also finance companies, mutual fund companies, and life assurance companies. Source: Financial Supervisory Authority 2021

Bank Contacts and Branches

All phone numbers are for personal customers, service Finland-wide Some calls are charged on a per-minute basis.

  • Nordea
    Tel: 0200 70000 Mon - Fri 08.00 - 18.00
    Branches & ATMs: Search by place, address or postcode Finnish
  • OP
    Tel: 0100 0500 Mon - Fri 08.00 - 18.00
    Branches: Search by place, address or postcode
  • Danske Bank
    Tel: 0200 2590 Mon - Fri 09.00 - 16.00
    Customer Service > Find us
  • Aktia
    Tel: 010 247 010 Mon - Fri 08.00 - 20.00
    Branches Finnish
  • LähiTapiola
    Tel: 09 453 3400 Mon - Fri 09.00 - 17.00
  • Handelsbanken
    Tel: 010 444 2442 Mon - Fri 08.00 - 18.30
    Branches  List and search Finnish
  • Säästöpankki
    Tel: 010 773 6777 Mon - Fri 08.00 - 22.00
  • POP Bank
    Tel: Search branches for local contact numbers and hours
    Branches Search by place, address or postcode Finnish
  • Bank of Åland
    Tel: 0204 292 920 Mon - Fri 08.30 - 18.00
  • Citi
    Tel: 09 3488 7101
    Branch: Aleksanterinkatu 48 A, 00100 Helsinki
  • SEB
    Tel: 09 6162 8000 Mon - Fri 08.30 - 16.00
    Branch: Eteläesplanadi 18, 00130 Helsinki
  • HYPO Specialists in housing
    Tel: 09 228 361 Mon - Fri 09.00 - 16.00
    Branch: Yrjönkatu 9 A 2 krs, 00120 Helsinki

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 websites:

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