It is recommended to open a Finnish bank account if you receive salary from the University of Eastern Finland. In comparison to many other countries, it is fast and relatively easy to open up a bank account in Finland. According to law, however, the bank must be able to reliably identify and know its customers.
For further information about opening a bank account in Finland and the required evidence of identity, please see the Expatriate Banking and Know your customer -why do banks ask leaflets published by the Federation of Finnish Financial Services (fkl.fi).
All Finnish banks offer online banking facilities. The most common use for online banking is paying bills without having to go to the bank. Finnish online bank identifier codes are essential also for using many other e-services in Finland.
Which bank to choose?
You can choose any bank that best suits your needs (location, service fees, etc.). In most banks, it is necessary to make a personal appointment in advance to open a bank account and to get service in English. Banks are usually open between 10:00 – 16:15 (or 16:30).
The following documents are usually needed:
- Passport or other official ID with a photo
- Residence permit from non-EU citizens
- Proof of address
- Work contract (recommended)
- Finnish personal ID code (required in most banks)
Banks in Joensuu:
- Nordea: Siltakatu 10
- Danske Bank: Kauppakatu 29
Joensuun seudun Osuuspankki: Siltakatu 4 and Niinivaarantie 52
Säästöpankki Optia: Kauppakatu 27b
Handelsbanken: Torikatu 29
Pop Pankki: Siltakatu 16
Banks in Kuopio:
- Nordea: Kauppakatu 28
- Danske Bank: Puijonkatu 29
- Osuuspankki: Puijonkatu 26 and Sammakkolammentie 6
- Säästöpankki Optia: Kauppakatu 22
- Handelsbanken: Haapaniemenkatu 13
Pop Pankki: Huuhankatu 12 and Pyörönkaari 18
Banks in Savonlinna: