Banks within the scope of the deposit guarantee

The functioning and scope of deposit guarantee schemes in the EU and EES countries* is harmonised by EU regulations. The deposits of each deposit bank are within the scope of the deposit guarantee scheme of its home country.

The FFSA maintains a list of deposit guarantees concerning banks that operate in Finland. Refer to the list to find out which public authority is responsible for the deposit guarantees concerning your bank.

More information on the responsibilities of the deposit guarantee schemes of different countries.

On this page, you can find information about different banks and deposit guarantee authorities. Typing in the field next to this will filter the information by hiding some details. Filtering works when you enter at least three characters in the search field. The advanced search covers headings and the text content under them.

Finnish banks

All Finnish deposit banks are within the scope of the Finnish deposit guarantee scheme, which is maintained by the Financial Stability Authority (FFSA). 

From the perspective of deposit guarantees, the OP Group, the POP Bank Group and the Savings Banks Group are each considered as one bank. This is due to the fact that the banks belonging to these groups are fully or partially liable for each other’s commitments and obligations within the group. 

Foreign deposit banks with branch in Finland 

Foreign banks operating in Finland are always covered by the deposit guarantee of their home country. When a foreign bank has a branch in Finland, the FFSA will pay, in case of a deposit compensation event, the deposit guarantee compensations to the depositors of the bank's Finnish branch. The FFSA will receive the funds and instructions for processing the compensation payment from the deposit guarantee scheme of the bank’s home country. 

In this context, a branch refers to a permanent establishment of a bank from another EU or EEA country located in Finland, and from which the bank pursues its business activities in Finland.

Foreign banks with no branch in Finland

Foreign banks are always covered by the deposit guarantee schemes of the bank’s home country. In case a foreign bank is offering deposit services in Finland without a permanent branch, the FFSA is not party to any compensation processes.

The following list on foreign banks offering their services in Finland (e.g. via a Finnish language website) is based on the information available to the FFSA. Thus, the list is not complete, i.e. not all the foreign banks may not necessarily be listed here, as the banks are not obliged to inform the FFSA whether they receive or have received any deposits.

Cannot find your bank on the list? Please contact us by e-mail. 

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*The European Union (EU) consists of 27 member countries: Austria, Belgium, Bulgaria, Czech Republic, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

The European Economic Area (EEA) is a Single Market area consisting of the above mentioned EU member countries together with Norway, Iceland and Liechtenstein.