Rates applied today
Cost in EUR per unit of foreign currency when paying or converting with S-Pankki, against the market reference.
| Operation | Currency | 1 × in EUR | vs reference | Status |
|---|---|---|---|---|
| Card | USD | 0.8798 | +2.45% | fresh |
| Card | GBP | 1.1949 | +2.45% | fresh |
| Card | JPY | 0.0055 | +2.45% | fresh |
Published card fee
By published card fee, S-Pankki ranks #10 of 17 banks open to new customers that we track in Finland today.
N26 publishes the lowest card fee in Finland today: 0% (vs S-Pankki's 2.45%). See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: read from the bank's own published exchange board.
Compare S-Pankki with every bank in the country on the daily Finland table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does S-Pankki use?
S-Pankki prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does S-Pankki charge for card payments abroad?
S-Pankki publishes a 2.45% foreign-transaction fee on card payments, verified 2026-06-26.
Is there a cheaper bank than S-Pankki in Finland?
Yes — as of today, N26 publishes the lowest card fee (0%) among banks open to new customers that we track in Finland.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.