Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Nordnet FI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Nordnet FI suits savers who want to hold cash without an opening balance or a monthly charge, and the running cost of the account is €0. The catch is what that cash earns, a 0.1% to 1.5% variable rate, and the account earns its place by pairing the balance with stocks, etfs and funds.

Key facts

Best for
An easy-access account with no opening balance and no monthly charge, for savers who also want stocks, etfs and funds alongside.
Headline rate
0.1% to 1.5%↗
Rate type
Variable↗
Minimum deposit
€0↗
Access terms
No deposit or withdrawal limits; interest calculated on the daily balance and paid monthly↗
Monthly fee
€0↗
Account kind
Easy access↗
Regulators
Finansinspektionen (Swedish Financial Supervisory Authority)↗
Legal entity
Nordnet Bank AB↗
Headquarters
Sweden↗
Founded
1996↗
Support channels
Phone, Chat, Email, Help-centre, Community↗
Pricing model
No monthly fee
Official website
nordnet.fi

Brokers

Stock trade fee
€5↗
Markets
Stocks, ETFs, Funds↗
Investor protection
EU ICS up to EUR 20,000↗
Features
Crypto, Mobile app

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
Xfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • No deposit or withdrawal limits, and interest calculated on the daily balance and credited monthly.
  • The balance is held by Nordnet Bank AB under Finansinspektionen (Swedish Financial Supervisory Authority), with protection of EU ICS up to EUR 20,000.
  • Savings and stocks, etfs and funds sit under the same login, so cash and investments are handled together.

Cons

  • Interest is credited monthly, so a saver waits for each payout rather than seeing it added as it accrues.
  • variable interest only, with no term to lock in, so anyone chasing a fixed return finds no certainty here.
  • Stock trades cost €5, above the €0 median, which makes small, frequent orders expensive.
Nordnet FI

Ready to try Nordnet FI?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Savers who want an easy access account they can add to and draw from without limits.
  • People who want savings and stocks, etfs and funds under the same login rather than two providers.
  • Holders comfortable with EU ICS up to EUR 20,000 as the ceiling on what is protected.

Who should look elsewhere

  • bunq, where the headline rate of 3.01% matters more to them than the extras.
  • Wise, at 3.29% on the headline rate, for anyone whose priority is the return on cash.
  • Finteres, whose 0% to 36% spread reaches rates far above what this account pays.

Fees and FX

The minimum deposit is €0 and the monthly fee is €0, so the running cost of the account is nothing: no opening balance and no charge each month to keep it open. The published access terms add no deposit or withdrawal limits, with interest calculated on the daily balance and credited monthly, so holding or moving the money adds nothing to the bill.

The company behind it

The account is served by Nordnet Bank AB, a bank group headquartered in Sweden, and the group has been trading since 1996. That history matters for a savings product, since the balance sits with a long established bank rather than a new app. Support runs on phone, chat and email, covering phone, chat, email, a help centre and a community.

How Nordnet FI compares

Where Nordnet FI is available

Available
Finland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Nordnet FI pay on savings, and is it fixed?+

The headline rate is 0.1% to 1.5% and the account pays a variable rate, so the return moves with the base rate rather than being locked for a term. Interest is calculated on the daily balance and credited monthly, and the account is classed as easy access.

Does Nordnet FI charge a monthly fee or need a minimum deposit?+

No on either count. The minimum deposit is €0 and the monthly fee is €0, so the account opens with no balance requirement and nothing is charged each month to keep it open. The pricing model is listed as no monthly fee.

Is my money protected at Nordnet FI?+

The account is provided by Nordnet Bank AB, supervised by Finansinspektionen (Swedish Financial Supervisory Authority). Protection runs through EU ICS up to EUR 20,000, so a balance is covered to that ceiling rather than in full. Treat larger cash piles as sitting above the limit and check the scheme terms before parking a large sum.

Who is behind Nordnet FI?+

The account is served by Nordnet Bank AB, a Swedish bank, with the group headquartered in Sweden. It has been trading since 1996, so this is an established name rather than a new savings app, and the balance sits with that bank rather than a separate savings vehicle.

Can I withdraw from Nordnet FI whenever I want?+

Yes. There are no deposit or withdrawal limits, and the account is classed as easy access. Money left in earns on the daily balance, interest is credited monthly, and the variable rate means no notice period or fixed term is attached to the balance you hold.

Can I invest through Nordnet FI as well as save?+

The account is not savings only. The same platform gives access to stocks, etfs and funds, so a saver can hold cash and take positions without a second login. The feature list is crypto and mobile app, which makes this closer to a combined savings and brokerage account than a plain savings pot.

What does a stock trade cost at Nordnet FI?+

A stock trade costs €5, well above the €0 median trade fee across the brokers compared here. A flat charge like that bites hardest on small, frequent orders. The fee applies to trades, not to holding the balance, which costs €0.

How do I contact Nordnet FI support?+

Support runs on phone, chat and email: phone, chat, email, a help centre and a community. For an account holding cash, phone and chat are the practical channels, because a savings problem is usually about a transfer or a balance rather than a market move.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Nordnet FI

Nordnet FI

An easy-access account with no opening balance and no monthly charge, for savers who also want stocks, etfs and funds alongside.

9.1/10See alternatives