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Book-entry account and securities custody

Investors need to open an electronic book-entry account for the custody of equities and other securities. Opening a book-entry account is easy, once you open the online trading services you will get the book-entry account at the same time.

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What is a book-entry account?

When you buy equities or other securities, you don’t receive any traditional printed certificates but your holdings are recorded in the book-entry account instead. In other words, you need to open a book-entry account to store these electronic holdings and to use our trading service in Netbank.

Once you have opened a book-entry account to store your securities, you will find more information about your holdings, such as their amount and type, in your account. When you have a book-entry account, you can also start using our trading service in Netbank.

Book-entry account vs. equity savings account

Book-entry accounts and equity savings accounts have different characteristics. You may have both a book-entry account and an equity savings account at the same time.

Book-entry account

  • With a book-entry account, you can trade in Finnish and international shares, ETFs, funds, listed products and unlisted shares.
  • There is no limit to the amount of money you can transfer to your book-entry account.
  • Any realised profits and dividends from your book-entry account will be taxed annually.
  • You may have more than one book-entry account.

Equity savings account

  • You can only trade in Finnish and international shares with an equity savings account.
  • The greatest benefit of an equity savings account is that you don’t incur any direct taxes. 
  • You can deposit a maximum of 50,000 euros to your equity savings account in instalments or in one go.
  • You can only transfer money to your equity savings account, not share holdings.
  • You may only have one equity savings account at a time.

Book-entry account and securities custody: pricing

The custody for the securities is free of charge for the next quarter if you accumulate brokerage fees during the calendar quarter through securities trading. Every brokerage fee paid during the quarter will count towards the accumulated brokerage fees. The free custody concerns both Finnish and international asset classes. Custody is also free of charge if your book-entry account is empty. If you do not execute any transactions during the calendar quarter, the custody fee will be charged in accordance with the tariff.

Prices - Book-entry account

Prices - Book-entry account

  • Please see our tariff for all trading fees.
  • The custody for the book-entry account is free of charge during the following quarter, if you accumulate brokerage fees during the calendar quarter through securities trading. Every brokerage fee paid during the quarter will count towards the accumulated brokerage fees. The free custody concerns both Finnish and international asset classes. Custody is also free of charge if your book-entry account is empty.
  • If you do not execute any transactions during the calendar quarter, the custody fee will be charged in accordance with the tariff. 
Custody fees for book-entry accounts
FeesAdditional information
Custody fee
  • Custody fee 2,45 € / month.
  • Custody fees will not be charged for the invoicing period if you have executed at least one transaction that is subject to a brokerage fee, or if the book-entry account contains no securities.
Custody fees are customer based

In case you have multiple book-entry accounts and/or an Equity savings account, custody fees will not be charged for the invoicing period if you have executed at least one transaction that is subject to a brokerage fee on one of your accounts.

Please note. If you have the administration rights to some one else's book-entry account, at least one transaction must be made for that account inorder to avoid custody fees.

Other fees 

Besides the service fees payable to the bank, the customer will pay any fees and charges charged to the bank by Euroclear Finland Oy, sub-custodians and other third parties.

For example, the custody of depositary receipts (ADR and GDR) is subject to an administration fee in addition to the bank's fee. The administration fees vary by programme and are not known in advance. We advise investors to follow ADR/GDR programmes directly either through the issuer's website or the company's investor relations.

Terms and conditions

Prices - Book-entry account

  • Please see our tariff for all trading fees.
  • The custody for the book-entry account is free of charge during the following quarter, if you accumulate brokerage fees during the calendar quarter through securities trading. Every brokerage fee paid during the quarter will count towards the accumulated brokerage fees. The free custody concerns both Finnish and international asset classes. Custody is also free of charge if your book-entry account is empty.
  • If you do not execute any transactions during the calendar quarter, the custody fee will be charged in accordance with the tariff. 
Custody fees for book-entry accounts
FeesAdditional information
Custody fee
  • Custody fee 2,45 € / month.
  • Custody fees will not be charged for the invoicing period if you have executed at least one transaction that is subject to a brokerage fee, or if the book-entry account contains no securities.
Custody fees are customer based

In case you have multiple book-entry accounts and/or an Equity savings account, custody fees will not be charged for the invoicing period if you have executed at least one transaction that is subject to a brokerage fee on one of your accounts.

Please note. If you have the administration rights to some one else's book-entry account, at least one transaction must be made for that account inorder to avoid custody fees.

Other fees 

Besides the service fees payable to the bank, the customer will pay any fees and charges charged to the bank by Euroclear Finland Oy, sub-custodians and other third parties.

For example, the custody of depositary receipts (ADR and GDR) is subject to an administration fee in addition to the bank's fee. The administration fees vary by programme and are not known in advance. We advise investors to follow ADR/GDR programmes directly either through the issuer's website or the company's investor relations.

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