Consultants in Finland, whether operating as a toiminimi or a limited company, are well served by online business accounts. Holvi, Wise Business, and Revolut Business accept Finnish registered consultants, with invoicing, multi currency, and expense tools. Traditional banks such as OP, Nordea, and Danske Bank also offer accounts with branch support.
Suits Consultants best
Depends on needs. Holvi suits consultants who want Finnish invoicing and bookkeeping in one place, while Wise Business suits international clients and Revolut Business adds expense controls.
Typical monthly fee
EUR 0 to about EUR 35 a month depending on provider and plan, as of 31 March 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 31 March 2026Last reviewed 31 March 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Independent consultants in Finland usually need a simple business account with clean invoicing, easy bookkeeping, and the ability to bill clients abroad. Holvi is a Finnish neobank built around invoicing and bookkeeping, Wise Business handles multi currency billing at the mid market rate, and Revolut Business adds cards and expense tools. OP, Nordea, Danske Bank, and Aktia suit consultants who want a full banking relationship. Fees and features below are shown as of 31 March 2026, so confirm current terms with the provider.
What Consultants in Finland need from a business account
Consultants often work alone or in a small team and bill on time or by project, so the priorities are professional invoicing, low admin bookkeeping, fair foreign exchange for overseas clients, and a clear separation between business and personal money. Cash handling is rarely needed. Many consultants choose an online account for low cost, while a traditional Finnish bank suits those who want lending or a branch relationship.
H
Holvi
Finnish neobank with invoicing and bookkeeping built in. Suits a toiminimi or a small Oy. Limited cash handling.
These providers accept Consultants in Finland. Fees and eligibility shown as of 31 March 2026. Confirm current terms with the provider before applying.
Questions about banking for Consultants in Finland
What is the best account for a consultant in Finland?
It depends on how you work. Holvi suits consultants who want Finnish invoicing and bookkeeping in one place, Wise Business suits those billing clients abroad, and Revolut Business adds cards and expense tools. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can a toiminimi open these accounts?
Holvi is built for Finnish sole traders and small companies, and Wise Business and Revolut Business onboard registered Finnish businesses. Eligibility and the documents required vary by provider, so confirm with the provider before applying.
Do I need a separate business account as a consultant?
A registered company such as an Oy needs its own account, while a sole trader is not always legally required to have one but usually benefits from keeping business and personal money separate. Tax and accounting rules apply, so check your position with a qualified adviser. This is general information, not advice.
Can these accounts invoice clients abroad?
Yes. Holvi includes invoicing, and Wise Business and Revolut Business hold and convert multiple currencies for overseas billing. Conversion costs and invoicing features differ by provider and plan, so verify current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 31 March 2026. Confirm current terms with the provider before applying.