Study costs & money in Finland
Tuition, living-cost context, banking, taxes and practical money guidance for students planning to study in Finland.
Read the complete Finland study abroad guide.
Bank Accounts
Opening an account requires the personal identity code and patience with anti-money-laundering questions about the origin of your funds; bring your permit, enrolment certificate and the same bank statements you showed Migri.
Finland is functionally cashless. Strong electronic identification (bank credentials) is the national login for everything official, which is the real reason to get a Finnish account early.
Source: https://www.finanssiala.fi/en/
Taxes
Working students request a tax card from Vero; without one, employers withhold at a punitive default. The card sets a personal withholding rate against your expected annual income, and most part-time student incomes attract little tax.
Vero's online service is in English and among the least painful tax systems you will meet.
Source: https://www.vero.fi/en/individuals/
Common questions
What should international students know about banking in Finland?
The bank credentials are the state login; get them early.
What should international students know about taxes in Finland?
Get the tax card from Vero before the first payday.