Making a bank account in Finland

[Beep_Boop]

...and I am an EU citizen. I am not sure which bank to choose .

Don't make it more complicated than it is. Almost any bank would work.
S-Pankki, Osuuspankki, and Nordea are good options if all you want is a bank account with a card.

[betelgeuse]

The "family account " it's a joint account from Danske and at the moment I am unemployed. This year I finished one year of language school. The thing is that I would like to make a personal account without my husband to know, at least for know.

...and I am an EU citizen. I am not sure which bank to choose .

If it's a joint account, then you are already a Danske customer. It's easiest for you to go to their branch, and request a new account and a card. In any other bank you are handled is a new customer which makes the paper work longer and harder.

[Flossy1978]

I suspect if you don't want him to know, then he is probably some kind of control freak. You would have been earning money if you were in the integration programme, run by the Government. That money has been going into your so called Family Account.

Go to the bank with your personal id etc, open your own account and make sure you do not get paper statements! He will see them in the mail. You can get them just on the net.

So sad you have to hide this. But even worse, he controls all the money. I can imagine you have no freedom. Controlling money from another partner, like he is, makes it kind of horrible for the person who seems to not be able to have any money of their own.

Good luck.

[clarinda000]

I got the idea now . Thank you all for the suggestions!!

[clarinda000]

I suspect if you don't want him to know, then he is probably some kind of control freak. You would have been earning money if you were in the integration programme, run by the Government. That money has been going into your so called Family Account.

Go to the bank with your personal id etc, open your own account and make sure you do not get paper statements! He will see them in the mail. You can get them just on the net.

So sad you have to hide this. But even worse, he controls all the money. I can imagine you have no freedom. Controlling money from another partner, like he is, makes it kind of horrible for the person who seems to not be able to have any money of their own.

Good luck.

That's true, I had hard times but soon it's time for a change. Thank you!

[Flossy1978]

Go to Kela and get your payments changed into your own account.

I don't know if you can do it regarding any children. They might need your Husband to sign paperwork. I don't know. Because usually the money goes to the Mother. I mean mine did. They just asked for my account details. Nothing about the Father's info.

You need your own money. In this day and age, especially in Finland where everyone is basically out for themselves and marriage means sh*t all. You need to protect yourself and make sure you have the means to survive. If you get divorced, you think he will fork over any money? Or even share what is in his account? Even though it is suppose to be 50/50, which is bullsh*t, especially when it comes to foreigners married to Finns. I know. I have been divorced since 2009 and I still can't get my freaking name off the house my ex lives in with his wife, because he won't allow it. I have to pay a ton of money for a lawyer to fight for this, because of him, which I don't have. And he will make sure if I do fight him, I am charged all kinds of money. I haven't been paying the mortgage or even lived there since 2009, yet he still has all the rights. That is how it is.....

Good luck!

[Rip]

Go to the bank with your personal id etc, open your own account and make sure you do not get paper statements! He will see them in the mail. You can get them just on the net.

Any recent experience which banks definitely will not send any confirmation papers by mail when opening account? Is it possible to get online codes by picking them up, usually those are sent by mail?

[rinso]

I guess my husband doesn't want me to have a bank account so he can control the all the finances and kept telling that is easier this way and I trusted him. We have a "family account " on his name, but only one card .

The thing is that I would like to make a personal account without my husband to know, at least for know.

This doesn't sound like a healthy relation. Secrecy could bite you in the end.
If you transfer Kela payments to your account he will notice immediately. And then you have some explaining to do.
Don't handle this in secrecy from an underdog position. Prepare and do and tell him strait away. If he cannot handle that, your relation has bigger problems than a bank account.

[tavastia]

You get all the papers, including the codes at the bank when you open the account and you select the statements to be just on netbank they will never send anything home.
For Kela you can change the account from their online service where you will be able to login with netbank codes.

[Beep_Boop]

Any recent experience which banks definitely will not send any confirmation papers by mail when opening account? Is it possible to get online codes by picking them up, usually those are sent by mail?

Aktia at least can give you the codes by hand. The problem is the renewal when you use all the codes. So far, I'm not aware of a bank that has the process to only give you the renewed codes by hand. You might be able to reach a solution with the guy or lady at the bank, but good luck.

The other, unavoidable, paper sent by mail is either the card or the card's PIN code. By instructions from payment processors (Visa, MasterCard, etc.), card issuers (banks) must send you the card and PIN through different communication channels where at least one of them is sent to your confirmed address (usually the PIN).
I think some issuers can bypass this on their discretion, but you'd have to ask around to know which banks do that.

[betelgeuse]

Any recent experience which banks definitely will not send any confirmation papers by mail when opening account? Is it possible to get online codes by picking them up, usually those are sent by mail?

Aktia at least can give you the codes by hand. The problem is the renewal when you use all the codes. So far, I'm not aware of a bank that has the process to only give you the renewed codes by hand. You might be able to reach a solution with the guy or lady at the bank, but good luck.

Nordea is phasing out paper codes and already now you can just use their mobile app. However, with Danske clarinda000 can just say the credentials are for online identification.

[Beep_Boop]

Nordea is phasing out paper codes and already now you can just use their mobile app.

Different bank, different case.
We're talking about what banks don't send paper, period; codes or otherwise. If the person wants a card, then they have to deal with the PIN code (not online banking codes, those are two different things).

[Flossy1978]

If someone won't share money and has a "Family Account" only one person has access to, then screw the having a talk with them before you do anything. I bet she doesn't even know how much is in the account, what it is being spent on, nothing much at all. I bet he spends a lot more on his self, than he allows her to have.

Rip, you are naïve to think a person like this Poster's husband would happily allow her to get her own account and take care of her own money.

The Poster needs to take care of herself. When the fallout happens from what she is done, at least she is safe with some money, rather than none. Because anyone so secretive and lying about a "Family Account", will not happily allow her to have anything in her own name.

Good luck to the Poster. I hope you can get an account and some of your own independency.