🎯 BrokerMatch ⚖ Compare Brokers 📈 Compound Calculator 💵 Dividend Calculator 🏦 Savings Goal 🥧 Portfolio Allocation 📊 Sector Performance 💰 Fee Calculator 📍 Pip Calculator 💲 Currency Converter 📍 Position Size
Home › 🇫🇮 Finland › Best Online Brokers

Best Online Brokers in Finland 2026

FIN-FSA-regulated brokers in Finland — ranked by fees, OST support and platform quality.

✅ FIN-FSA Regulated 🇫🇮 FIN-FSA Regulated 📊 OST Compatible 💶 30/34% Tax 🔬 Tested with real accounts
🔄 Last updated: July 2026  ·  Reviewed by WhichBrokr Research Team
📋 On this page
⚠️ Risk warning: Investing involves risk of loss. Capital is not guaranteed. Some links on this page are affiliate links — this does not affect our rankings.
⚡ No time to read? Our top picks for Finland
🏦 Best banks in Finland ₿ Best crypto in Finland 💱 Best forex in Finland 🎯 Find my broker

Top 4 Best Online Brokers in Finland — Detailed Reviews

Editor's Choice
DEGIRO
Regulated by AFM
4.4/5
Min. Deposit
€0
Commission
1 + exchange fee per trade
Regulation
AFM
Europe's lowest-cost broker for stocks & ETFs. Access to 50+ exchanges in 30 countries.
Open Account → Read Review
Editor's Choice
XTB
Regulated by FCA
4.7/5
Min. Deposit
€0
Commission
0% up to €100k/month
Regulation
FCA
Best overall broker for European investors. Zero commission stocks & ETFs up to €100k/month.
Open Account → Read Review
Best Professional Platform
Saxo Bank
Regulated by DFSA
4.5/5
Min. Deposit
€2,000
Commission
From 0.08% (EU stocks)
Regulation
DFSA
Canada's most trusted domestic crypto exchange. FINTRAC registered and OSC Restricted Dealer. CAD funds held in CDIC-insured accounts.
Open Account → Read Review
Best for Professionals
Interactive Brokers
Regulated by SEC
4.6/5
Min. Deposit
$0
Commission
From $0.005/share (Pro; EU only)
Regulation
SEC
Europe's lowest-cost broker for stocks & ETFs. Access to 50+ exchanges in 30 countries.
Open Account → Read Review

How to Get Started with Best Brokers in Finland

1

Choose a regulated platform

Pick a broker regulated by FIN-FSA or operating under an international licence. All platforms on this page qualify.

2

Open your account

Account opening is fully online. You'll need a photo ID (passport or national ID) and proof of address. Most platforms verify within 1–2 business days.

3

Fund your account

Deposit via bank transfer (free, 1–3 days) or debit card (instant, small fee). Minimum deposits vary — most top platforms start from €0.

4

Start investing

Diversify across stocks and ETFs. Consider low-cost index ETFs for long-term growth.

🇫🇮 Finland: Country Environment Blueprint

🏛️
Regulatory Jurisdiction & Passporting
Who governs investing in Finland — and which foreign brokers can legally serve you
Primary Watchdog
Finanssivalvonta (FIN-FSA) — www.finanssivalvonta.fi
Passporting / Access
✅ Fully accepted. Any EU/EEA-regulated broker can legally serve Finland residents via MiFID II passport — no local entity required.
Regulatory Blacklist
FIN-FSA maintains a list of regulated firms. Verify any broker before depositing.
💰
Domestic Fiscal & Tax Framework
What you owe on gains, dividends and foreign accounts
Capital Gains Tax
30% (first €30,000 of capital income) / 34% (above €30,000) — 30% pääomatulovero on capital income up to €30,000/year; 34% above €30,000.
Dividend Tax
Listed company dividends: 25.5% effective (85% taxable at 30% rate). Unlisted: different rules.
Foreign Account Reporting
⚠️ Required. Capital income declaration (pääomatulot) in annual tax return.
Loss Carry-Forward
5 years
📊
Tax-Advantaged Account Wrappers
Tax-sheltered investment vehicles available in Finland
Osakesäästötili (OST — Share Savings Account)
Cap: €50,000 total Finnish share savings account. Dividends and gains are tax-free inside the account. Tax only on withdrawal. Similar concept to Swedish ISK but with a hard cap of €50,000.
Eläkevakuutus (Pension Insurance)
Cap: €5,000/year deductible Private pension insurance. Contributions deductible up to €5,000/year. Gains grow tax-free. Taxed on withdrawal (income tax).
🛡️
Asset Restrictions & Market Guardrails
What investors in Finland can and cannot access
US ETF Access (PRIIPs)
⛔ US-domiciled ETFs are restricted for retail investors (PRIIPs regulation). Use UCITS equivalents: iShares CSPX, Amundi CU2, or Vanguard VWRA.
Domestic Exchanges & Indices
Nasdaq Helsinki · Index: OMX Helsinki 25 (OMXH25)
Key stocks: Nokia (NOKIA.HE), Kone (KNEBV.HE), Nordea (NDA-FI.HE), Sampo (SAMPO.HE), Fortum (FORTUM.HE)

What Finland Investors Need to Know in 2026

Finland's Osakesäästötili (OST) is similar to Sweden's ISK — dividends and gains inside are tax-free, with tax only on withdrawal. The €50,000 total cap limits its use for large portfolios but it should be maximised first.

Nordnet is the dominant broker for Finnish retail investors, offering good OST accounts and ETF savings plans.

🏠 Local Platforms to Know

NND
Nordnet (Finland) — Most popular broker in Finland. OST accounts, zero-commission savings plans.
OP
OP Financial Group — Finland's largest financial group. Banking and brokerage integrated.
🔬

How we chose these platforms

Our team opened real accounts, deposited funds and tested each platform in Finland. We evaluate regulation quality, fees (commissions, spreads, FX conversion), platform usability, customer support response times and local features specific to Finland investors. Rankings are updated regularly.

Frequently Asked Questions

What is the Osakesäästötili? +
Finland's share savings account. Gains and dividends tax-free inside the account. Tax only on withdrawal. €50,000 total cap.
What is the CGT rate in Finland? +
30% on capital income up to €30,000/year, 34% above that threshold.