Best savings accounts in Finland

Finland
A Finnish deposit carries a 30% withholding that is final: you neither declare it nor get it back. Interest from a bank in another country is capital income instead, 30% and then 34% above €30,000, declared by you.
FI

Best rates available in Finland

Checked on 28 September 2026. 12 savings accounts, term deposits and money market funds from 11 providers accept someone resident in Finland. The three highest rates:

  • Raisin, Deposit marketplace at 4.25%, fixed term, no minimum, deposit guarantee: the partner bank's national scheme, up to €100,000.
  • Trading 212, Interest on cash (Trading 212 EU GmbH) at 4.20%, instant access, no minimum, deposit guarantee: Germany, up to €100,000.
  • bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.

9 of the 12 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 4.20% at Trading 212, and the best fixed term is 4.25% at Raisin. Rates are variable unless the entry says the term is fixed.

What to know if you live in Finland

Deposits are covered up to €100,000 per customer per bank by the scheme run by the Financial Stability Authority (Finanssivalvonta).

Interest on a Finnish deposit carries a 30% withholding tax that the bank deducts. It is final: you do not declare it and you cannot get it back (Vero). Interest from a bank in another country is treated as ordinary capital income instead, 30% up to €30,000 of capital income in the year and 34% above that, with nothing withheld, so you declare it in OmaVero or on form 16B (Vero).