Open a Bank Account in Finland

Opening a bank account in Finland in 2026 for natural persons or for companies is a relatively simple process. If you want to know details about the formalities imposed, you are welcome to get in touch with our agents. Our experts in opening a company in Finland will not only guide you about bank accounts but will also practically assist you in each step.

Can non-EU citizens open a bank account in Finland? Are there any restrictions?

Yes, foreigners from non-EU/EEA countries can easily set up bank accounts in Finland. There are no restrictions imposed.

What are the conditions to open a bank account as a natural person in Finland?

• present a valid passport or ID,
• get the ID from the Digital and Population Data Services Agency (DVV) in Finland,
• present proof of domicile/residency in Finland,
• proof of utility bills is also needed,
• banks also ask for a mobile number,
• present a work contract if the bank account is open in this scope, etc.

NOTE: If you want to study in Finland and need a bank account, you will need to present proof of the college you attend.

Here is an infographic with details on the banking services in Finland:

Is opening a bank account in Finland possible remotely?

In most cases, banks in Finland do not provide such services. Hiring a specialized agent to represent you is a proper option.

How can I open a bank account for my company in Finland in 2026?

• you will need to pass the tests imposed by the bank concerning Anti-Money Laundering and Know Your Customer policies,
• proof of Certificate of Incorporation or a Finnish Trade Register extract is needed,
• proof that the company has at least one manager with residency in Finland is another important condition,
• account operators will have to present authorized documents and valid passports.

IMPORTANT: If your company is registered outside Finland but you want a bank account here, you will need to present a Trade Register extract from your country of origin.

Can I open a bank account if I buy a property in Finland?

Absolutely.

What types of banking services are available in Finland?

• Mobile banking,
• Current and savings accounts,
• International money transfers,
• Multi-currency bank accounts,
• Banking loans & mortgages,
• Integrated accounting from some Finnish banks.

NOTE: Investment services are also provided by banks in Finland.

Interested in company incorporation in Finland? Would you like to open a bank account in Finland in 2026? Feel free to contact our Finnish agents to learn about the procedures and formalities involved.

Besides this, the services of our company incorporation agents are at your disposal if you need a virtual office in Finland. Our agents can describe different virtual office packages and also assist you in choosing one that suits your business needs well.