Ikano Bank AB (publ), Finland filial

Ikano Bank AB (publ), Finland filial is the Finnish branch of the Swedish Ikano Bank, offering primarily consumer finance and savings products to residents of Finland via online channels. The lineup typically includes everyday savings accounts and fixed-term deposits with published interest rates that can change over time, alongside unsecured consumer loans and retail point‑of‑sale financing through partner brands; there is no cash handling or traditional branch network. Account opening and servicing are conducted digitally with strong customer authentication under PSD2, and customer support is available through remote channels in local languages. As an EU branch, the firm is authorised and prudentially supervised by Sweden’s Finansinspektionen and operates in Finland under passporting rules, with local conduct oversight by Finanssivalvonta and applicable consumer protection laws. Deposits are protected by Sweden’s statutory deposit guarantee administered by the Swedish National Debt Office (Riksgälden), covering up to SEK 1,050,000 per depositor per institution; because the limit is set in SEK, the euro value of coverage depends on the exchange rate at the time of any payout. Fixed-term deposits generally cannot be broken early, and fees, minimum amounts, and transfer conditions are defined in the bank’s tariff and terms. Payments are handled via SEPA transfers, and cards are not usually linked to savings accounts. Ikano Bank publishes capital and risk disclosures under EU rules, and consumers can escalate unresolved complaints to Finnish alternative dispute resolution bodies where applicable.