Business bank account fees in Finland

Snapshot

Business account costs in Finland come mainly from the monthly package fee, how each transaction is priced, card fees, and any currency conversion away from the euro. A traditional bank charges a monthly package, while a neobank can charge no fixed monthly fee and price per transaction instead.

Neobank example: Holvi, no fixed monthly fee, 0.25 euros per transaction
Bank example: Nordea corporate package about 15.70 euros a month
Payments: Euro transfers run as SEPA payments
Charged in: Euro (EUR)

Fees and features as of 9 March 2026Last reviewed 9 March 2026

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

As of 9 March 2026, business account fees in Finland range from no fixed monthly fee at a neobank to a monthly package at a traditional bank. Holvi, a Finnish provider, markets a plan with no fixed monthly fee where you pay 0.25 euros per transaction, with additional accounts at 2 euros a month and extra cards at 3 euros a month. Nordea lists a corporate package at about 15.70 euros a month. On top of the base fee sit per transaction charges, card fees, and any currency conversion away from the euro. Finland uses the single euro payments area, so euro transfers run as SEPA payments. Match the pricing model to your transaction volume, and confirm current pricing with the provider.

How business account fees work in Finland

Fees fall into a few groups. The headline cost at a traditional bank is the monthly package fee, which usually bundles an account, online banking, and a set of payments. A neobank often replaces that with per transaction pricing, so the base cost depends on how much you transact. Card fees and currency conversion sit on top of either model. Because Finland is in the euro area, domestic and cross border euro payments run as SEPA transfers, while non euro payments cost more.

Monthly packages and per transaction pricing

A traditional bank such as Nordea lists a corporate package at about 15.70 euros a month, which suits a business that wants a full relationship and predictable bundled services. A neobank such as Holvi markets a plan with no fixed monthly fee at 0.25 euros per transaction, which suits a low volume or newer business. As of 9 March 2026, a higher volume business may pay less under a fixed package, so compare on your own activity rather than the headline fee.

Cards, transfers, and currency costs

Card and transfer charges can matter as much as the base fee. Holvi lists additional accounts at 2 euros a month and extra cards at 3 euros a month, and most providers price euro SEPA payments cheaply while charging more for payments outside the euro area. A business that receives money in other currencies should compare the conversion margin, since that can outweigh the monthly fee. Confirm the current schedule with the provider.

What drives the cost

A few factors decide what a Finnish business account costs, as of 9 March 2026. Verify with the provider

The monthly package fee against per transaction pricing, matched to your volume.
Card fees and the number of accounts and cards you need.
Currency conversion away from the euro and the cost of any non SEPA payments.

How to compare on fees

Estimate your monthly transactions and how many are in euros, then match them to a pricing model rather than the headline fee.
Add card fees and any extra account costs to the comparison, since these change the total.
Confirm the current fee schedule with the provider before you apply, as pricing changes.

Compare business accounts available in Finland

These providers accept business customers in Finland. Fees and eligibility shown as of 9 March 2026. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about business account fees in Finland

How much does a business bank account cost in Finland?

Costs range from no fixed monthly fee at a neobank to a monthly package fee at a traditional bank. Holvi markets a plan with no fixed monthly fee where you pay 0.25 euros per transaction, while Nordea lists a corporate package at 15.70 euros a month. Card and transfer charges sit on top. Confirm current pricing with the provider, as of 9 March 2026.

Is there a business account with no monthly fee in Finland?

Yes. Holvi, a Finnish provider, markets a plan with no fixed monthly fee where you pay 0.25 euros per transaction. A no monthly fee account can still cost more once per transaction and card charges are counted, so compare on how you will use it. Verify current terms with the provider, as of 9 March 2026.

What does a SEPA transfer cost in Finland?

Finland uses the euro and the single euro payments area, so euro transfers run as SEPA payments. Many plans include a number of SEPA payments or charge a small fee per item, while payments outside the euro area or in other currencies cost more. Confirm the per transfer cost with the provider, as of 9 March 2026.

What drives the cost of a Finnish business account?

The main drivers are the monthly package fee, the number of transactions and how each is priced, card fees, and any currency conversion away from the euro. A low volume business may prefer per transaction pricing, while a higher volume one may prefer a fixed package. Figures vary by provider, so confirm as of 9 March 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 9 March 2026. Confirm current terms with the provider before applying.