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Welcome to S-Bank

S-Bank is a Finnish bank that wants to make it possible for all its customers to increase their wealth. We want to offer you a little more than you would expect from a bank. We are reforming the banking business by offering superior ease and benefits to customers by combining banking and retail services. Our daily banking services consisting of S-Bank account, S-Etukortti Visa, online banking and S-mobiili app are free of charge for all S Group co-op members. We provide all our customers with an account, payment card and online banking ID.

We primarily serve our customers in Finnish and Swedish

On this page, we have also included some basic information in English about how to open an account. Please note that you can only use S-Bank’s online banking service in Finnish and Swedish. From S-mobiili version 2.31.0 onwards, you can change the application language to English from Minä (Me) -section.

Basic banking services

You are entitled to basic banking services if you are legally residing in the European Economic Area. Basic banking services are intended for everyday payments and transactions – safely and equally. 

At  S-Bank, statutory basic banking services include 

  • Basic payment account
  • Visa Debit card  
  • Online banking credentials  
  • Ability to deposit and withdraw cash  
  • Payment services, such as bank transfers and payment of bills  

Basic banking services do not include credit cards, loans or investment services, for example.

More information

The account can be used for paying bills, and for withdrawing and depositing money. Regular income, such as a salary, can be paid to the account. Only limited banking credentials and a Visa debit card can be linked to the account. The account is personal, meaning no other account holders can be linked to the account. The cashback from purchases from S Group or the payment method benefit cannot be paid to the basic payment account. 

The deposit interest rate on the basic payment account is 0.00%. We charge a monthly service fee for the account. Read more about the terms and conditions and the service price list below.

Instead of a basic payment account, you can also open a more versatile S-Tili current account. If you are a co-op member or belong to a membership household, you will receive an S-Tili account with no monthly or annual fees. It is also possible to link other account holders to an S-Tili account, and your cashback and payment method benefit can be paid into it. Read more about the S-Tili account on this page (in Finnish). 

With an online banking credentials, you can use the bank’s digital services easily and safely. With your banking credentials, you can easily do your banking online whenever it suits you. If you are a co-op member or a member of a co-op membership household, you can also do your banking via S -mobiili. 

If necessary, you can also use your banking credentials for strong authentication in other services, such as government online services. You can get an electronic ID if you have a Finnish personal identity code and one of the identity documents below: 

  • Finnish passport or identity card 
  • Passport or an identity card that serves as a travel document issued by an EU/EEA State 

Learn more about the service fees for banking credentials and the terms and conditions below.

You can also get an electronic ID with a passport of a country outside the EU/EEA after an initial identification by the Finnish police. 

With a Visa Debit card, you can easily and securely pay for your purchases directly from your bank account in Finland, abroad, and online. 

With the card, you can withdraw and deposit cash at S Group places of business. You can also withdraw cash at Visa ATMs in Finland and abroad. You can also deposit cash in Finland at TalletusOtto ATMs.  

Find out more about Visa Debit card fees and terms and conditions below.

We will always verify your identity with an official identity card issued by an authority. We accept a passport or identity card issued by the Finnish authorities as proof of identity. We also accept identification documents issued by a foreign authority, such as a passport, or a passport or identity card issued by an EU or EEA authority. The identification document must include your photograph and it must be valid and in good condition.

Note that if you have a foreign identification document, there may be restrictions on the services available to you.

We accept the following identification documents:

Issued by the Finnish authorities

  • a passport (except an emergency passport, alien passport or refugee travel document)
  • an identity card (issued after 1 March 1999)

Issued by the authorities of other countries

  • a passport
  • an identity card serving as a travel document issued by the authorities of EEA member states, Switzerland and San Marino

For cash withdrawals, in addition to the above, the following documents issued by a Finnish authority will be accepted

  • a driver's licence (issued after 1 October 1990)
Open services electronically
You can access S-Bank’s broader daily banking services through our electronic service if you have an electronic ID. At the same time, you will become a customer of S-Bank and a member of the cooperative of your choice. Note that the service is only available in Finnish or Swedish.
Open banking services

Open services at a Co-op Member Service and S-Bank service point

If you do dot have an electronic ID, you will need to visit our service points. We recommend booking an appointment.  

Please take a valid proof of identity with you.  

If you have a non-Finnish identity card, please also bring the following documents  

  • A certificate of a Finnish personal identity code, if one has been issued to you. If not, take with you a certificate of your official address, issued by an authority.  
  • Residence permit, or proof that a residence permit is pending, if you have a passport issued by a country outside the European Economic Area  

Make full use of our free banking services

S-Bank’s daily banking services, that is: an account, a card, and online banking services, are free of charge to S Group’s co-op members and members of co-op membership households. You also get the S-mobiili app, which brings banking services to your phone. With the S-Etukortti Visa card, you earn cashback and payment method benefit from S Group purchases. 

Account, card and online banking € 0

We offer S Group co-op members an account, a card and online banking free of charge. With these codes, you can do your banking online and on S‑mobiili 24/7. Please note that online bank is available in Finnish and Swedish. From version 2.31.0 onwards, you can change the S-mobiili application language to English from Minä (Me) -section. You can get the codes at one of our customer service points. Avoid queues by booking an appointment in advance.

S-Etukortti Visa is good where ever you go

With S-Etukortti Visa, you can pay and withdraw cash anywhere in the world and accumulate Bonus and payment method benefit for purchases from S Group outlets. If you have S-Bank’s online banking codes, you can apply for debit and credit cards through our online banking service.

S-Bank account is a free bank account for S Group co-op members

S-Bank account is S-Bank’s convenient bank account for everyday finances. You can direct payments such as student grants, wages, child benefits or pensions to it. When you link S-Etukortti Visa to your bank account, you can also withdraw cash from Visa cash points in Finland and abroad and also pay for your purchases online. Your Bonus and payment method benefit will also be paid to the account monthly.

Keep banking secure

Using your card and doing business online is safe if you keep a few basic rules in mind. The most important thing to remember is not to give your banking codes or card details to anyone. Also make sure that the data security of the device you are using is up to date. Do not enter your card details or user credentials on a website whose address you have received as a link in an e-mail or in a message to your phone.

Banking code blocking service

tel. 09 6964 6820 (local/mobile network charge, 24 hours/day)

If your online banking codes or your phone with S-mobiili authentication are lost or stolen, you should immediately prevent their use by calling the banking code blocking service. When calling from abroad: +358 9 6964 6820.

Once blocked, you will no longer be able to use your online banking codes or S-mobiili authentication. Apply for new banking codes at our customer service point and reactivate your S-mobiili authentication.

Card blocking service

tel. 020 333 (local/mobile network charge, 24 hours/day)

If your debit or credit card has been lost or stolen, close it immediately by calling the card blocking service for all banks. The liability for any misuse of the card passes from you to S-Bank at the time of the report. When calling from abroad: +358 20 333.

Application processing

We will process your application within 10 banking days. We will send you a letter to your address registered in the Population Information System once your application has been processed. 

Can a bank refuse to provide basic banking services? 

A bank may refuse to open basic banking services only for regulatory reasons. For example, we will not provide services to you if we cannot verify your identity. If we are unable to open the services for you, we will inform you of the reason for the refusal in a letter sent to you. 

If you are not satisfied with our decision, you may contact the Finnish Financial Ombudsman Bureau (FINE) or file a complaint with the Consumer Disputes Board. You can also contact the Financial Supervisory Authority, which is the competent authority. 

FINE Finnish Financial Ombudsman Bureau    
Porkkalankatu 1  
00180 Helsinki   
Telephone +358 9 685 0120   
www.fine.fi 

Consumer Disputes Board  
PO BOX 306  
00531 Helsinki   
Tel. +358 29 566 5200   
www.kuluttajariita.fi 

Financial Supervisory Authority   
PO BOX 103  
00101 Helsinki   
Telephone +358 9 183 51   
www.finanssivalvonta.fi/kuluttajalle