S-Pankki and Holvi are generally considered the most accessible for new immigrants. S-Pankki often only requires a valid ID and Finnish personal identity code.
I have a residence permit but no credit history in Finland. Some banks have rejected me.
S-Pankki and Holvi are generally considered the most accessible for new immigrants. S-Pankki often only requires a valid ID and Finnish personal identity code. Holvi is an online business account but works for freelancers too. For regular banks, OP and Nordea can be more strict about requiring credit history.
Common mistake
Good to know
Bring your henkilotunnus, residence permit, and passport to the appointment. Some people have luck going in person and explaining their situation to a bank advisor rather than applying online. If Finnish banks do not work, N26 or Revolut (EU-based) accept Finnish residents with just an ID while you get settled.