List of banks in Finland

The following list of banks in Finland is to be understood within the framework of the European single market and European banking union, which means that Finland's banking system is more open to cross-border banking operations than peers outside of the EU.

Policy framework

European banking supervision distinguishes between significant institutions and less significant institutions, with SI/LSI designations updated regularly by the European Central Bank. Significant institutions are directly supervised by the ECB using joint supervisory teams that involve the national competent authorities of individual participating countries. Less significant institutions are supervised by the relevant NCA on a day-to-day basis, under the supervisory oversight of the ECB. In Finland's case, the NCA is the Finnish Financial Supervisory Authority.

Significant institutions

As of, the ECB had four Finnish banking groups in its list of significant institutions:

the Finnish branch of Danske Bank
Kuntarahoitus, a public bank
Nordea
OP Financial Group, a cooperative banking group

A study published in 2024 assessed that of these, OP had the largest volume of assets in Finland, followed by Nordea, then Danske Bank and Kuntarahoitus. Among SIs based in other euro area countries, Rabobank also operates in Finland via a subsidiary.

Less significant institutions

As of, the ECB's list of supervised institutions included 68 Finnish LSIs, three of which were designated by the ECB as "high-impact" on the basis of several criteria including size:

Aktia Bank Abp, originally a savings bank established in 1825
, central cooperative of the Finnish Savings Banks Group
S-Pankki Oy, a cooperative bank

The other 65 Finnish SIs divided into four groups, as follows.

Savings Banks Group

In addition to the above-mentioned Säästöpankkiliitto, the ECB's list of included the, the SP Mortgage Bank, and the following 14 local entities of the Savings Banks Group:

Avain Säästöpankki
Helmi Säästöpankki Oy
Lammin Säästöpankki
Myrskylän Säästöpankki
Närpes Sparbank ab
Säästöpankki Kalanti-Pyhäranta
Säästöpankki Optia Oy
Säästöpankki Sinetti

Cooperative banks

The same ECB list included 21 member LSIs of the POP Bank Group, namely three central entities plus 18 local cooperative banks:

Honkajoen Osuuspankki
Isojoen Osuuspankki
Kannonkosken Osuuspankki
Hetki Osuuspankki
Konneveden Osuuspankki
Kosken Osuuspankki
Kurikan Osuuspankki
Kyrön Seudun Osuuspankki
Kyyjärven Osuuspankki
Lammin Osuuspankki
Lanneveden Osuuspankki
Lakeuden Osuuspankki
Lavian Osuuspankki
Pohjanmaan Osuuspankki
Järvi-Suomen Osuuspankki

Other Finnish LSIs

Ålandsbanken
Danske Kiinnitysluottopankki Oyj
Suomen AsuntoHypoPankki

Foreign branches

22 Finnish LSIs in the list were branches of banks based in the European Economic Area, mostly of Swedish entities:

Finnish branch of Avida Finans AB
Finnish branch of Brocc Finance AB
Finnish branch of Collector Bank AB
Finnish branch of DNB Bank ASA
* Finnish branch of DNB Carnegie Investment Bank AB
Finnish branch of Ecster AB
Finnish branch of Enity Bank Group AB
Finnish branch of Ikano Bank AB
Finnish branch of Nordnet
Finnish branch of
Finnish branch of PayEx Sverige AB
Finnish branch of
Finnish branch of Saxo Bank A/S
Finnish branch of Skandinaviska Enskilda Banken AB
* Finnish branch of SEB Kort AB
Finnish branch of
Finnish branch of Svenska Handelsbanken AB
* Finnish branch of, subsidiary by Handelsbanken
Finnish branch of Swedbank AB
Finnish branch of Telia Finance, financial arm of Telia Company
Finnish branch of
* Finnish branch of TF Nordic AB, a Swedish subsidiary of TF Bank

As of October 2025, there were no branches of banks located outside the EEA in Finland, based on data compiled by the European Banking Authority.

Other institutions

The Bank of Finland, and Finnvera are public credit institutions that do not hold a banking license under EU law. Nor does the Nordic Investment Bank, a multilateral financial institution based in Helsinki.

Defunct banks

Several former Finnish banks, defined as having been headquartered in the present-day territory of Finland, are documented on Wikipedia. They are listed below in chronological order of establishment. Finland experienced two waves of intense banking sector restructuring, first in the wake of independence and civil war in the late 1910s and 1920s with an aftershock during the European banking crisis of 1931, and second during the 1990s Finnish banking crisis.