Best brokers in Finland

Finland
The osakesäästötili takes listed shares only, so ETFs and investment funds cannot go in it. Gains are capital income at 30% and 34%, and nothing is due at all if your securities sales in the year come to €1,000 or less.
FI

Brokers available in Finland

Checked on 28 September 2026. 11 brokers accept someone resident in Finland. What each one charges and how your assets are protected:

  • Bitpanda: European ETF €1, investor protection up to €20,000.
  • DEGIRO: European ETF €1, investor protection up to €20,000.
  • eToro: European ETF 0%, investor protection up to €20,000.
  • Freedom24: European ETF €2 + €0.02 per share, investor protection up to €20,000.
  • Interactive Brokers: European ETF Fixed: 0.05% (min. €3); Tiered: 0.05% (min. €1.25), interest on uninvested cash 1.93%, investor protection up to €20,000.
  • Lightyear: European ETF 0%, investor protection up to €20,000.
  • Revolut: European ETF €1, investor protection up to €22,000.
  • Saxo: European ETF 0.08% (min. €2), investor protection up to €20,000.
  • Trade Republic: European ETF €1, interest on uninvested cash 2.50%, investor protection up to €20,000.
  • Trading 212: European ETF 0%, interest on uninvested cash 2.50% to 3.50%, investor protection up to €20,000.
  • XTB: European ETF 0%, interest on uninvested cash 1.10%, investor protection up to €20,100.

Four of them charge nothing to buy a European ETF: eToro, Lightyear, Trading 212 and XTB. The highest advertised interest on uninvested cash is 2.50% at Trade Republic. Fees are the published retail prices. Currency conversion, custody and transfer costs are in the table above.

What to know if you live in Finland

Of a listed-company dividend, 85% is taxable capital income at 30% up to €30,000 of capital income and 34% above. A Finnish payer withholds 25.5% of the gross dividend; a payer abroad withholds no Finnish tax, so you check and complete the amount in your pre-completed return (Vero). Gains are taxed at the same 30% and 34% and declared on form 9, and nothing is due if your total securities sales in the calendar year come to €1,000 or less. Losses go first against gains, then against other capital income, and carry forward five years, never against earned income (Vero).

One limit worth knowing: the osakesäästötili holds only listed shares, so ETFs and investment funds cannot go in it (Vero). If a firm fails, compensation is 90% of the claim up to €20,000.