Proving identity at the bank

What types of identity documents are accepted for banking transactions? 

When visiting a bank, you need to have an identity document. You should always take either your passport or identity card to a branch. A driving licence is not accepted if your matter concerns online service user identifiers. More detailed information on the identity documents issued by the different authorities and countries are available below. 

Your identity document must not be damaged or have been expired, and you must be recognisable from its photo. 

Identity document in matters not related to user identifiers 

If your matter does not concern online service user identifiers, the acceptable identity documents are: 

  1. Valid identity document issued by a Finnish authority
    a) Identity card issued after 1 March 1999. A minor’s identity card, an alien’s identity card and a temporary identity card are also accepted.
    b) Passport, temporary passport, service passport, diplomatic passport or seaman's passport issued to a Finnish citizen. An emergency passport is not accepted. A valid passport or diplomatic passport issued by a foreign authority and accepted as a travel document is also accepted.
    c) Driving licence issued to a Finnish citizen after 1 October 1990 (plastic). A temporary driving licence, fixed-term or an electronic driving licence, exchanged driving licence (condition code 70 marked on the licence) or a driving licence issued to a foreigner, however, is not accepted. A driving licence is not accepted if you are to collect online service user identifiers from a branch.
  2. Valid passport, diplomatic passport or identity card issued by an authority in an EEA country, Switzerland or San Marino and accepted as a travel document. With the exception of the citizens of Ireland, Norway and Denmark, who always need a passport for banking.  
  3. One of the following valid documents issued by some other foreign authority and accepted as a travel document 
    a) passport or
    b) diplomatic passport. 

Identity document in matters concerning online service user identifiers 

If your matter concerns online service user identifiers, a driving licence is not accepted as an identity document. In matters concerning identifiers, you need to have a passport or an identity card issued by Finland, another EEA country, Switzerland or San Marino. You also must have a Finnish personal identity code. 

When you visit a branch regarding identifiers, you can prove your identity with the following documents: 

  1. Valid identity card issued by a Finnish authority after 1 March 1999. A minor’s identity card, an alien’s identity card and a temporary identity card are also accepted.  
  2. Passport or temporary passport issued to a Finnish citizen but not an emergency passport. A service passport or diplomatic passport is also accepted.
  3. Valid passport, diplomatic passport or identity card issued by an authority in an EEA country, Switzerland or San Marino and accepted as a travel document.  

What to do if you don’t have an acceptable identity document 

If your matter concerns bank user identifiers but you don’t have an identity document issued by an EEA country, Switzerland or San Marino, you must have your identity verified at a police station. This applies to the citizens of the United States, Russia and the United Kingdom, for example.  

You also must request the police to verify your identity if you don’t have an identity document accepted for proving your identity and you haven’t been issued an alien’s identity card.

The police will verify your identify after which the police will post the certificate for initial identification by recorded delivery directly to the bank. You will find instruction for the visit to a police station on the Police of Finland website at https://poliisi.fi/en/instructions-for-applying-for-identification-for-the-purpose-of-electronic-identification-documents and the application form (in Finnish) at https://poliisi.fi/todistus-ensitunnistuksesta