FinBanks Guide
Data updated 16 Sep 2026, 04:30
FinBanks Guide.

Guides to banking in Finland

Plain-language, independent explainers on how banking works in Finland — accounts, mortgages, deposit protection and switching banks. General information only, not financial advice.

How to open a bank account in Finland

What you need to open an account, the right to a basic payment account, and how identification works.

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Understanding mortgages in Finland

Reference rates and margins, the Euribor, ASP accounts for first-time buyers, and the loan cap.

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How your money is protected: deposit guarantee in Finland

The €100,000 deposit guarantee, who runs it, and what it does and does not cover.

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How to switch banks in Finland

A practical checklist for moving your everyday banking, payments and e-invoices.

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Independent information service. Not affiliated with, or endorsed by, any bank. Not financial advice. Bank profiles reviewed 3 Sep 2026.