Clarify the situation
We review the goal, status, timing, family/work/company context and available documents together.
Build the evidence logic
We explain which documents matter, why they are needed and what each should prove.
Explain the risks
We identify risks linked to missing evidence, income, timing, the wrong route or authority expectations.
Define next steps
We turn the next filing, evidence, strategy or professional-support step into a practical plan.
What do we assess in this service?
The bank makes the decision
A Finnish Business ID, Trade Register registration or residence permit does not create an automatic right to a business bank account. The bank applies its own customer-acceptance, anti-money-laundering and risk procedures.
The asymmetry has a section number. Section 134 of the Credit Institutions Act gives a retail customer the right to basic banking services from a deposit bank, and that is a consumer right: it does not reach company accounts. What does decide the company application is the register. Every limited liability company and co-operative must file its beneficial owners — anyone holding more than 25 per cent of the shares or more than 25 per cent of the voting rights — with the Trade Register, free of charge at ytj.fi, and the filing is required even when there are none or the company does not know them. Missing the deadline in the PRH's reminder letter costs a 300 euro negligence fee, and a bank cannot verify what the register does not hold.
What the bank may need to understand
- Company ownership and decision makers
- Actual beneficial owners
- Business model and industry
- Expected customers and countries
- Expected incoming and outgoing payments
- Source of initial funds
- Contracts, invoices or other evidence of genuine business activity
- Identity and address information for relevant persons
Prepare the file before the meeting
A consistent company description, ownership structure and transaction forecast reduce avoidable back-and-forth. Information given to the bank should match PRH, tax, accounting and contractual records.
What ENB delivers
- KYC document checklist
- Ownership and beneficial-owner pack
- Business-activity summary
- Source-of-funds evidence list
- Expected-transaction summary
- Coordination with accounting and company-registration records
What this service is not
- No guarantee of account opening
- No guarantee of online banking or strong electronic identification
- No circumvention of KYC/AML checks
- No concealment of ownership, source of funds or business activity
Frequently asked questions
Does a Finnish company automatically have a right to a business bank account?
No. The bank performs its own KYC, AML and customer-acceptance assessment and makes the final decision.
Can ENB guarantee strong electronic identification?
No. The bank or identity-service provider makes that decision under its own legal and risk requirements.
Official sources and content review
Last checked: 2026-08-23ENB Consulting is not a public authority. This page provides general information and explains the consulting scope. Case-specific assessment is separate and final decisions are made by the competent authority. No outcome is guaranteed.