Agencies in Finland are well served by online business accounts. Wise Business, Revolut Business, and Holvi accept Finnish registered agencies, with multi currency, team cards, and invoicing or bookkeeping tools. Traditional banks such as OP, Nordea, and Danske Bank also offer agency accounts with branch support and lending.
Suits Agencies best
Depends on needs. Revolut Business suits teams that want shared cards and expense controls, while Wise Business suits agencies paying contractors abroad and Holvi suits agencies that want Finnish invoicing and bookkeeping.
Typical monthly fee
EUR 0 to about EUR 35 a month depending on provider and plan, as of 5 February 2026
Non resident position
Possible with full checks. Neobanks usually need an EEA or Finnish registration and a representative who can be identified. Unclear cases, verify with the provider.
Providers that fit
Several. At least four providers accept this profile in Finland.
Fees and features as of 5 February 2026Last reviewed 5 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Creative, marketing, and recruitment agencies in Finland usually need a business account with shared cards and spend controls for the team, clear invoicing, and multi currency support for overseas clients and contractors. Wise Business, Revolut Business, and Holvi are common online choices, while OP, Nordea, Danske Bank, and Aktia suit agencies that want branch support or lending. Fees and features below are shown as of 5 February 2026, so confirm current terms with the provider.
What Agencies in Finland need from a business account
Agencies bill clients on projects, run a team, and frequently work with clients or contractors abroad. The features that matter most are shared cards with spend limits, accounting and bookkeeping exports, multi currency accounts to reduce conversion costs, and tidy records for invoicing and reconciliation. Cash handling is rarely a priority, which is why online providers fit many agencies, though traditional Finnish banks remain useful where lending or branch services are needed.
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Revolut Business
Strong multi currency and expense tools for agencies with overseas clients. Support is mainly in app.
It depends on how your agency works. Revolut Business adds multi currency and expense tools, Wise Business helps pay overseas contractors at the mid market rate, and Holvi includes Finnish invoicing and bookkeeping. Compare the features your agency uses and verify current terms with the provider. This is general information, not advice.
Can an agency get team cards with spend limits?
Yes. Providers such as Revolut Business offer additional cards with per card spend limits and approval controls, usually on paid plans. The number of cards and the cost of extra cards vary by plan, so check current pricing with the provider.
Do these accounts handle foreign currency for overseas clients?
Yes. Wise Business and Revolut Business hold and convert multiple currencies, which suits agencies billing or paying abroad. Conversion costs and included allowances differ by provider and plan. Verify the current foreign exchange terms with the provider before applying.
Can an agency deposit cash with these providers?
Online providers such as Wise Business, Revolut Business, and Holvi generally do not accept cash deposits, or limit them. If your agency handles cash, a traditional Finnish bank account may fit better. Confirm cash handling rules with the provider, since policies change.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 5 February 2026. Confirm current terms with the provider before applying.