Bank services for international students

Banking services for international students in Tampere (October 2018)

 

N.B. We recommend that students primarily use their own bank’s online banking services and payment cards. The easiest way to survive in Finland is to have an internationally accepted bank card (e.g. Visa Electron, Visa or Mastercard) in order to get cash from ATMs and pay in the shops, restaurants, etc.

Unfortunately there is no possibility to pay bills in cash (e.g. the student union membership fee) unless you open an account in a Finnish bank. When you have an account, you can deposit money on your account and pay the bill. Some banks do not open accounts if the student only stays in Finland a short period of time. For international (degree) students, who stay in Finland longer than a few months, opening an account is recommendable.

 

Take a passport/an ID card issued by an authority in the EEA region or Switzerland/a foreigner’s identity card issued by the Finnish police with you when doing business in the bank. The passport is usually the safest choice. Please note that a residence permit is not accepted as an official ID. Generally banks also require that you bring a study certificate from the university with you.

It is recommended to have a Finnish person assisting you if opening a bank account. This way there will be no misunderstandings and everything goes more smoothly. You can ask your tutor to accompany you.

Here the basic information of some Finnish banks:

Osuuspankki (link)

Branches in Tampere:

  • Hämeenkatu 12, 33101 Tampere – From Monday to Friday 9 a.m. to 5 p.m.
  • Hervanta: Lindforsinkatu 2, 33720 Tampere – Monday and Tuesday 10 a.m. to 4.30 p.m.

1) Students coming from EEA countries:

With a passport you can get the basic bank services (opening a bank account, receiving money and transferring it, a Visa Electron card, the simple internet service that includes paying bills).

2) Students coming from non-EEA countries:

Unfortunately a passport is not enough to open a bank account; you also need to have a testimony of your identity from the police. According to the website of the Finnish Police (https://www.poliisi.fi/) this should cost 47 euros. Then it is possible to get the same services as students from EEA countries.

Important information in general:

  • Opening a bank account is free. Paying bills in the bank office in cash carries a service fee.
  • In each case it is evaluated by the bank whether the student needs an account. The time that a student studies in Finland does not affect the decision.
  • When you open an account, the bank is legally bound to ask you about the origins of regular payment transactions or cash flows.
  • It is important to remember to close the account when you don’t need it anymore! This will make the banks happier to open new accounts for international students.
  • The online banking services are only offered in Finnish.

 

Nordea (link)

Branches in Tampere:

  • Hämeenkatu 7, 33100 Tampere – Monday, Tuesday and Friday 10 a.m. to 4.30 p.m.

Important information in general:

  • You can open a bank account as a student in Finland. To open an account, you need to visit the local branch. Please bring a valid passport and a study certificate from the university with you.
  • When you open an account, the bank is legally bound to ask you about the origins of regular payment transactions or cash flows.
  • The basic services are available in English, including the online banking.

 

Danske Bank (link)

Branches in Tampere:

  • Hämeenkatu 9, 33100 Tampere, 2nd floor – From Monday to Friday 10 a.m. to 4.30 p.m., cash desk services from Monday to Friday 10 a.m. to 1 p.m.

Important information in general:

  • To open a bank account, you need to book an appointment by calling +358 200 2580 or by booking an appointment on the webpage at https://danskebank.fi/en/for-you/customer-service
  • You must register in a Local Register Office (Maistraatti) before you can open an account and get other services. Please bring the documents from the Local Register Office, your passport and a study certificate from the university when opening an account. Students from non-EEA countries also need a residence permit.
  • When you open an account, the bank is legally bound to ask you about the origins of regular payment transactions or cash flows.

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Service office

Yliopistonkatu 60 A 2. floor, 33100 Tampere
Tel.. +358 44 361 0210
e-mail: tamy@tamy.fi
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