Below is a comparison of five major Finnish banks that offer business banking services: OP, Nordea, Danske Bank, Handelsbanken, and Aktia (anno 2026)

If you’re a digital nomad planning to register or operate a business in Finland, choosing the right bank for your company is crucial. Traditional banks remain a reliable and compliant option for opening and managing business accounts in Finland.

1. OP (Osuuspankki)

• Monthly fee: €12.90 (excluding VAT) for the Business Starter Package. This includes an account, monthly statements, a Business Debit card, an e-invoicing address, and access to OP’s digital services.
• Transfers: Domestic SEPA payments cost approx. €0.24 each. International payments outside SEPA cost approx. €6.
• Account opening fee: €100 (one-time).
• Card fee: Included in the package (normally €3.50/month).

Best for: Small businesses and e-residents looking for low monthly fees and comprehensive digital banking tools.

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2. Nordea

• Monthly fee: €15.70 (incl. VAT) for the Business Start package. Includes account, Visa Business Debit card, online and mobile banking, e-invoice functionality, and monthly e-statements.
• Transfers: SEPA transfers €0.23 each; incoming payments with a reference €0.15, without reference €0.58; e-invoice sending/receiving approx. €0.55 each.
• Account opening fee: Starting from €200 depending on customer profile.

Best for: Businesses needing an all-in-one package with solid digital services and a strong international presence.

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3. Danske Bank

• Monthly fee: €26 for the Business Package (includes account, debit card, and up to 100 transactions).
• Transfers: 100 SEPA payments per month included. Additional payments cost approx. €0.20–€0.30 each.
• Account opening fee: €130 for existing private customers; up to €385 for new customers.

Best for: High-volume businesses that need many transactions covered by a fixed monthly fee.

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4. Handelsbanken

• Monthly fee: €10 for access to online banking and account management.
• Transfers: SEPA transfers approx. €0.20 each. Incoming payments are also €0.20. E-statements €0.50 each.
• Account opening fee: Free, but requires an in-person visit to a branch.
• Card fee: Eurocard Corporate (Gold) credit card, approx. €40 per year.

Best for: Entrepreneurs who prefer personalized service and traditional in-branch banking.

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5. Aktia

• Monthly fee: €15.50 total (€5.50 for account + €10 for internet banking).
• Transfers: SEPA transfers €0.24; incoming payments with reference €0.16, without reference €0.58.
• Account opening fee: €150+ (based on time spent) + €100 per account.
• Card fee: €6/month for Business Debit card.

Best for: Swedish-speaking clients and those needing cash withdrawal services through partner retailers.

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Summary: Which Bank Is Best for Your Business?

• For minimal transaction volumes: Handelsbanken offers the lowest base cost, though it requires an in-person visit and a separate card application.
• For low-to-moderate activity (20–50 transactions/month): OP and Nordea strike a good balance between cost and services.
• For high-volume businesses (up to 100 monthly transactions): Danske Bank’s fixed monthly fee can offer excellent value.
• For language-specific or niche services: Aktia may suit specific needs despite its higher fees.

Ultimately, the best bank depends on your business’s transaction volume, need for digital tools, and preference for local or remote service. For digital nomads, OP and Nordea stand out as user-friendly and efficient options for starting and running a business in Finland.

Tip: Always verify the latest fees and terms directly with the bank, as they may change over time.