Startups in Finland can open an account quickly with an online provider. Wise Business and Revolut Business offer fast onboarding, multi currency accounts, and expense cards, while Holvi, a Finnish neobank, adds invoicing and bookkeeping. Traditional banks such as OP and Nordea suit startups that need lending, a paid in share capital deposit, or a full relationship.
Suits Startups best
Depends on needs. Revolut Business suits teams that want expense cards and integrations, Wise Business suits multi currency revenue and payouts, and Holvi suits Finnish invoicing and bookkeeping.
Typical monthly fee
EUR 0 to about EUR 35 a month depending on provider and plan, as of 16 April 2026
Non resident position
Possible with full checks. Neobanks usually need a Finnish or EEA registration and a representative who can be identified. Founders outside the EEA may need PRH permission for company roles. Unclear cases, verify with the provider.
Providers that fit
Several. At least four providers accept this profile in Finland.
Fees and features as of 16 April 2026Last reviewed 16 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Early stage companies in Finland usually want to open an account fast, give the team expense cards, hold several currencies for investors and customers, and keep clean records as they grow. Revolut Business and Wise Business offer quick online onboarding and multi currency accounts, and Holvi adds Finnish invoicing and bookkeeping. OP, Nordea, and Aktia suit startups that want lending, a paid in share capital deposit for a limited company, or a deeper banking relationship. Fees and features below are shown as of 16 April 2026, so confirm current terms with the provider.
What Startups in Finland need from a business account
Startups need to move quickly without locking into high fixed costs. The features that matter are fast online onboarding, expense cards and spend controls for a small team, multi currency accounts for overseas investors and customers, and integrations with accounting tools. A neobank suits the early phase, while a traditional Finnish bank matters when a limited company needs to deposit paid in share capital, raise debt, or build a lending relationship. Match the provider to your stage rather than the lowest headline fee.
R
Revolut Business
Fast onboarding, multi currency account, expense cards, and integrations. Support is mainly in app.
These providers accept business customers in Finland. Fees and eligibility shown as of 16 April 2026. Confirm current terms with the provider before applying.
It depends on your stage. Revolut Business and Wise Business suit fast onboarding and multi currency needs, Holvi suits Finnish invoicing and bookkeeping, and a traditional bank such as OP or Nordea suits lending or a paid in share capital deposit. Verify current terms with the provider, as of 16 April 2026. This is general information, not advice.
Can a startup deposit paid in share capital with these providers?
A Finnish private limited company no longer requires a minimum share capital, but where capital is paid in, banks and some providers can hold it and issue a certificate. Practice varies, so confirm with the provider whether it supports a paid in share capital deposit before you apply, as of 16 April 2026.
How fast can a startup open an account in Finland?
Online providers can complete onboarding in a few days once your company is registered and you have a Finnish business ID, while a traditional bank can take longer. Timelines depend on identity checks and your company structure, so confirm with the provider, as of 16 April 2026.
Can founders who live outside the EEA open an account?
It is possible but subject to checks. Company roles such as the managing director or board may need EEA residency or permission from the Finnish Patent and Registration Office, and providers apply full identity checks. Unclear cases, verify with the provider. This is general information, not advice.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 16 April 2026. Confirm current terms with the provider before applying.