A few business accounts in Finland have a no monthly fee option as of 30 April 2026, mainly fintech accounts such as Wise Business and the Holvi free Starter plan. Most traditional Finnish bank accounts charge a monthly package fee. Free usually means no monthly fee, not no fees at all, since per transaction and currency conversion costs can still apply.
- No monthly fee options
- Limited. Holvi offers a free Starter plan from EUR 0, and Wise Business has no monthly fee with a one off setup fee
- What still costs
- Per transaction fees and currency conversion away from the euro can apply
- Can a non resident open
- Possible where the business is registered in Finland or the EEA. Verify with the provider
- Most providers
- Several business accounts, most traditional banks with a monthly fee
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
What free means for a business account in Finland
A no monthly fee account removes the recurring account charge, but other fees can remain. Per transaction fees may apply to some payments, and currency conversion carries a margin on payments outside the euro. So a free headline can still cost money depending on how you trade. Finland uses the euro and the single euro payments area, so euro transfers run as SEPA payments, which most providers price cheaply. Compare the fee layer that matches your activity rather than the monthly price alone.
Accounts with no monthly fee
As of 30 April 2026, Holvi, a Finnish neobank, markets a free Starter plan from EUR 0 with a Holvi Business Debit Card where you pay about EUR 0.25 per transaction. Wise Business charges no monthly fee, with a one off setup fee of about EUR 50 to activate local account details across several currencies. Revolut Business offers a basic plan and paid tiers with more allowances. Verify current figures with each provider.
Costs that can still apply
Even on a no monthly fee account, expect possible per transaction fees and a currency conversion margin on payments outside the euro. As of 30 April 2026, Wise Business converts at the mid market rate with a stated conversion fee, and Holvi prices some items per transaction. A traditional Finnish bank usually charges a monthly package instead, which can work out cheaper at higher volume. Confirm the current rate card with the provider.
What to check before you call an account free
When an account is described as free in Finland, check these points, as of 30 April 2026. Verify with the provider
- Whether the no monthly fee is unconditional or depends on a minimum balance or usage.
- Per transaction fees and whether euro SEPA payments are included.
- The currency conversion margin and any transfer fees on payments outside the euro.
How to compare free accounts
- List how you actually transact, including monthly volume, euro SEPA payments, and payments outside the euro.
- Check whether any no monthly fee comes with conditions you can meet each month.
- Compare the per transaction and currency costs, not just the zero monthly headline, and confirm with the provider before you apply.
Compare business accounts available in Finland
These providers accept business customers in Finland. Fees and eligibility shown as of 30 April 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business banking in Finland
Is there a truly free business account in Finland?
Does Wise Business have a monthly fee in Finland?
What does the Holvi free Starter plan include?
Do free accounts charge for payments outside the euro?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 30 April 2026. Confirm current terms with the provider before applying.