Finland
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
Aktia
Finnish listed bank. Digital current account on a FIN-FSA charter.
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6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Credit institution (Aktia Bank Plc) (FIN-FSA). Still read the entity on the statement.
If it fails?
Finnish deposit guarantee up to €100,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Pack-dependent
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.8
/10 · Mixed
Aktia is a bank from 1825 with a digital front. List it when someone searches ‘neobank Finland’ so they do not open an EMI by mistake. N26 is the German alternative, not the Finnish one.
What it is
Aktia Bank Plc is a Helsinki-listed credit institution. FIN-FSA. Euro IBAN. It appears on digital-bank lists because the current account is app-led, not because the charter is new.
Best for: Finland residents who want a bank, not a Lithuanian EMI.
Last checked 2026-08-28. Not advice.
What it does well
- +FIN-FSA bank
- +€100k scheme
- +Wealth sleeve is the same group
- +IBAN matches HQ
What to watch
- −Not a neobank startup
- −Finland-only
- −Fee packs
- −App is a bank app
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · SME current + wealth
- Partner bank
- Aktia Bank Plc
- Minimum balance
- €0
- Lowest monthly fee
- Pack-dependent
- Who can open
- Finland residents and companies
- Availability
- Finland
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Aktia lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Finnish deposit guarantee up to €100,000 per depositor per bank
Who holds the money: Aktia Bank Plc
- FIN-FSACredit institution (Aktia Bank Plc) · Finland
Fees
- Monthly
- Pack-dependent
- FX markup
- Bank FX
- ATM
- Otto + network
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Finnish IBAN
- Wealth + bank in one group
- App + residual branches
- Cards
- SME
Score
- Safety25%
- 8.6
- Fees20%
- 6.4
- Features15%
- 7.0
- App15%
- 6.8
- Global15%
- 3.8
- Support10%
- 7.0
Change log
Full logLicence
Aktia Bank Plc — FIN-FSA credit institution
Helsinki-listed. Euro IBAN matches HQ. Digital front, 1825 charter.
Available in
Straight answers
FAQ
01Is Aktia a bank?
Aktia holds a banking-style licence (FIN-FSA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Finnish deposit guarantee up to €100,000 per depositor per bank
03Where is Aktia available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Aktia.
04Card and wallets?
Aktia lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Aktia remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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