Finland
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
Aktia
Finnish listed bank. Digital current account on a FIN-FSA charter.
Rate this app
6.8Mixed
AlternativesOur take
Desk verdict
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.
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.
Aktia lists Credit institution (Aktia Bank Plc) under FIN-FSA in Finland. On safeguarding we currently write: Finnish deposit guarantee up to €100,000 per depositor per bank. Holder / issuer line: Aktia Bank Plc. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Pack-dependent; FX Bank FX; ATM Otto + network. This desk would open it for: Finland residents who want a bank, not a Lithuanian EMI.
What it does well: FIN-FSA bank; €100k scheme; Wealth sleeve is the same group. What to watch: Not a neobank startup; Finland-only; Fee packs. Desk score 6.8 / 10 (safety 8.6, fees 6.4, features 7.0, app 6.8). Last verified 2026-08-28. Headquartered in Helsinki, Finland; founded 1825. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Finland residents who want a bank, not a Lithuanian EMI.
Pros
- +FIN-FSA bank
- +€100k scheme
- +Wealth sleeve is the same group
- +IBAN matches HQ
Cons
- −Not a neobank startup
- −Finland-only
- −Fee packs
- −App is a bank app
Account facts
- 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 it actually works
- Custody
- Bank balance
- Local rails
- IBAN / SEPA
- Built for
- Personal · Business · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Review risk
- Bank-grade; still not freeze-proof
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Finnish deposit guarantee up to €100,000 per depositor per bank
Holder / issuer: 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
FAQ
Is Aktia a bank?+–
Aktia holds a banking-style licence (FIN-FSA). Still read the legal entity on the statement, not the app icon.
How is money protected?+–
Finnish deposit guarantee up to €100,000 per depositor per bank
Where is Aktia available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Aktia.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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