Choose the bank that gives you an appointment soonest; the fee differences are small and the credentials are worth more than any of them.
The comparison
| Bank | Everyday package | English service | Branches | Best for |
|---|---|---|---|---|
| S-Pankki Lowest fees | free with the S-Etukortti | app and phone | few, service desks in Prisma stores | Anyone who shops at S-group and is comfortable banking by app |
| OP | a few euros, often waived for owner-members | good app and branches | most in Finland | Newcomers who want a branch nearby and a mortgage later |
| Nordea | a few euros | dedicated newcomer service | every city | International employees; the most English-language material |
| Danske Bank | a few euros | good | big cities | Corporate relocations, Nordic career moves |
| Revolut / Wise (app banks) Not a substitute for Finnish bank credentials | free tier | full | none | The first weeks before a Finnish account, travel, sending money home |
Prices checked 19 September 2026. Everyday packages include an account, a card and online banking credentials. Fees change yearly; the differences are small next to getting an appointment quickly.
How to choose
- You want a branch and a mortgage one day: OP or Nordea.
- You want free: S-Pankki, if you are happy with app-first banking.
- You are waiting for a henkilötunnus: an app bank for the first weeks, then a Finnish bank for the credentials.
The documents to bring and what happens at the appointment are in opening a bank account.