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Online Banking in Finland

Starting Online Banking
Paying a Bill
Other Online Services Offered in Finland

Finland has, proportionally, one of the world's biggest online banking populations; between 2001 & 2007 the percentage of adult Finns using online banking services jumped from approximately 25% to well over 70%. All the major banks offer online banking for a reasonable charge (see Bank Accounts & Charges). Services are now offered in English, Finnish & Swedish.


Starting Online Banking

Online banking is secure, with new security codes and confirmation codes (provided by the bank in advance) required each time you access your account.

To begin online banking in Finland you don't need special software. The first step is to enter an online banking agreement with your bank. They will then provide you with a customer number and access codes, and the Web site / address for accessing the online banking service. Easy!
*click for FAQ's about Nordea's online banking system, Netbank (formerly Solo), which includes system requirements, security information, and much more(in English).

Once you're set up, keep in mind that cookies must be enabled on your browser for online banking to function.

Services can also be accessed by a WAP phone; ask your bank for details while you're making the agreement.


Paying a Bill

This is undoubtedly the handiest aspect of online banking. All bills/invoices received in Finland can be paid this way; they include

  • the payee's bank account number (saajan tilinumero)
  • payee's account name (saaja)
  • payer's name i.e. you! (maksaja)
  • a reference number (viitenumero)
  • due date (eräpäivä)
  • other general invoice details, such as
    • Customer number (asiakasnumero)
    • Invoice number (invoice number)

With the details above, making a payment is straight-forward. You can make one-time payments or set up recurring payments, such as monthly rent. You can also save payment data and use it as a template for the next bill/invoice you receive from those lovely people!

Be aware of the Scandinavian reversed use of commas and decimals in figures!
"Two dollars and eighty cents" = $ 2,80
"Two thousand eight hundred dollars" = $ 2.800,00

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Other Online Services Offered in Finland

A wide array of services are available through online banking, including management of credit cards, loans, investments, pensions, insurance and more.

For the best insight into the kinds of online services available, access Nordea's information at:

www.nordea.fi > In English > Netbank

*A comprehensive Netbank demo is usually available too, but at the time of this update was not functioning.

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