Is Wise Business available for business in Finland?

Availability

Wise Business for business in Finland: Available

Key eligibility: A registered Finnish business or sole trader (toiminimi), with identity documents for the directors and significant owners and details of what the business does.
Non resident position: Wise accepts businesses registered in many countries, subject to the country of incorporation. A Finland registered business can apply online without a branch visit.
Local currency support: Holds and converts more than 40 currencies. The euro balance has used a Belgian BIC and IBAN rather than a Finnish IBAN that begins with FI.
Headline monthly fee: No monthly fee. A one off setup fee of about 50 EUR applies when you register a business account in the European Economic Area, which includes Finland.

Availability and fees as of 2 January 2026Last reviewed 2 January 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Yes. Wise Business serves businesses in Finland. You can register online as a sole trader (toiminimi) or an incorporated company such as an osakeyhtio (Oy), hold and convert more than 40 currencies, and receive local account details in several regions. There is no monthly fee, only a one off setup fee and per transaction pricing.

Does Wise Business serve business customers in Finland?

Wise offers its business account to companies and sole traders registered in Finland, and the account opens online without a branch visit. Wise is an electronic money institution rather than a bank, so it provides payment and currency accounts rather than lending or overdrafts. For most Finnish freelancers and small companies this is enough for invoicing, paying suppliers, and holding foreign currency. Larger or more regulated structures should confirm that the account covers their needs before they move banking across.

Eligibility for businesses in Finland

You normally need a registered Finnish business, identity documents for the directors and significant owners, and details of what the business does. Sole traders (toiminimi) can apply, and incorporated companies such as an osakeyhtio (Oy) can apply with their registration documents. Wise restricts some activities, including adult content, gambling, weapons, and cryptocurrency trading, so a business in one of those sectors may not qualify. Incorporated companies sometimes face more checks than sole traders. Verify with the provider

What it costs locally

Wise Business has no monthly account fee. Registering a business account in the European Economic Area, which includes Finland, carries a one off setup fee of about 50 EUR. After that you pay per use: currency conversion is charged as a percentage that varies by currency, and some payment types carry a small fee. Holding money in your account is free, and receiving euro payments into your account is free. As of 2 January 2026

What local users report

Finnish users commonly praise the low cost of currency conversion and the speed of online setup. The most frequent point to check is the IBAN: the euro balance has used a Belgian BIC and IBAN that begin with BE, and some Finnish payers, payroll systems, or direct debit setups still expect a Finnish IBAN that begins with FI. Wise does not offer lending or a cash deposit network, so businesses that need those keep a separate Finnish bank relationship.

How to open Wise Business for business in Finland

Check that your Finnish business and its activity meet the Wise eligibility criteria
Register online and verify the identity of the directors and significant owners
Pay the one off setup fee and activate your currency balances and account details

Open with Wise Business →

Questions about Wise Business in Finland

Can a Finnish business open a Wise Business account?

Yes. Wise accepts Finland registered businesses, including sole traders (toiminimi) as well as incorporated companies such as an osakeyhtio (Oy). You verify your identity and your business online. As of 2 January 2026, confirm eligibility for your structure with the provider.

Does Wise Business charge a monthly fee in Finland?

No. Wise Business has no monthly account fee. There is a one off setup fee of about 50 EUR when you register a business account in the European Economic Area, which includes Finland. You then pay per transaction for conversions and some payments. As of 2 January 2026, check the current setup fee and pricing with the provider.

Does a Wise euro account give a Finnish IBAN?

Not currently. Wise provides a euro account that has used a Belgian BIC and IBAN, which begin with BE. SEPA payments work across the euro area regardless of the IBAN country, but some Finnish payers or systems still expect a Finnish IBAN that begins with FI. As of 2 January 2026, verify the current IBAN with the provider before relying on it.

Which business activities does Wise not accept?

Wise restricts certain sectors, including adult content, gambling and betting, weapons, and cryptocurrency trading. A Finnish business in one of these sectors may not be eligible. As of 2 January 2026, confirm the current restricted activity list with the provider.

Availability, fees, and eligibility change. This page was last reviewed on 2 January 2026. Confirm the current position with Wise Business before applying.