This page compares 5 accounts available in Finland, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 2 can be opened fully online, 1 explicitly accept non-residents, 5 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Revolut Finland | Finland | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| S-Pankki | Finland | Digital Bank | 无首存要求 | 会员账户免月费 | Remote or in person | Conditional | ★ 3.9 |
| Holvi | Finland | Digital Bank | 无最低存款要求 | 按月订阅（无免费档） | Online | Conditional | ★ 3.8 |
| OP Financial Group | Finland | Traditional Bank | 无首存要求 | 月费约 0–5 欧 | Must visit | Conditional | ★ 3.6 |
| Nordea Finland | Finland | Traditional Bank | 无首存要求 | 月费约 0–6 欧 | Remote or in person | Conditional | ★ 3.2 |
1 of the 5 accounts on this page explicitly accept non-residents (Revolut Finland). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 2 of the 5 accounts can be opened fully online (Revolut Finland, Holvi), with no branch visit; the remaining 3 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 5 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.