Skip menuLog in to Nordea NetbankLog in to Nordea Business

Equity savings account – start investing in equities

An equity savings account allows you to trade in the shares of both Finnish and foreign listed companies without having to pay taxes immediately. Open an equity savings account and start investing in equities today.

Open an Equity savings account

What is an equity savings account?

An equity savings account is an account designed for investing in equities. With an equity savings account, you can trade in the shares of both Finnish and foreign listed companies without having to pay taxes immediately. 

Taxes on returns and dividends are deferred on an equity savings account, which means you can reinvest your returns and dividends in full. This enables you to reap the full benefits of compound interest.

Equity savings account suits long-term investors

The equity savings account is an easy solution intended for anyone interested in investing in equities. It is particularly well-suited to long-term investors who want to update their portfolios every now and then and reinvest any returns and dividends. By reinvesting the returns and adding them to the invested capital, you are able to reap the full benefits of compound interest. 

Compared to a traditional book-entry account, the equity savings account makes it possible to make more efficient use of compound interest and boost the performance of the account. Initially, the benefit may seem small, but it will become more pronounced each year.

Benefits of opening an equity savings account with Nordea

  • Always affordable brokerage fees – no need to worry about expiring fee campaigns
  • Monthly Equity Savings Day
  • Weekly report by Nordea’s investment strategists
  • Free morning report by Nordea Markets for Premium and Private Banking Customers
  • Kauppalehti news 
  • Nordea Investor trading platform
  • More than 20 marketplaces in Europe and North America
  • Real-time prices from the Helsinki, Stockholm, Copenhagen and Oslo stock exchanges, one bidding level, with a snapshot update
  • Five bidding levels can be separately activated free of charge from the Helsinki, Stockholm and Copenhagen stock exchanges, with a snapshot update
  • Additional services are available through a separate order, such as real-time prices from the US and company analyses by Nordea Markets 
Osakesäästötilin ominaisuudet - small - EN
Arvo-osuustilin ominaisuudet - small - EN

Opening an equity savings account

For Nordea customers

  • By using your access codes, you can open an equity savings account easily in Investor.
  • After you have confirmed the opening of the equity savings account with your access codes, the account will be available to you in a few minutes, ready for you to start trading. 
  • If you want to open an equity savings account for your child, contact Nordea Customer Service. Please note that you will also need permission from your child’s other guardian for banking on your child’s behalf.
For new customers
Transferring your equity savings account to Nordea

Equity Savings Day

Osakesäästöpäivä - small

Every month, on Equity Savings Day, you can trade in shares on a selected stock exchange for a maximum brokerage fee of 1 euro per trade. The fee discount applies to all orders involving an equity savings account or a book-entry account made in our self-service channels. 

See the dates and selected stock exchanges for Equity Savings Days

Trading service

Kaupankäyntipalvelut - small

To be able to use your equity savings account for trading, you must have a trading service. The trading service is free of charge and you can adjust it to your needs by supplementing it with a range of services that are subject to a fee.

Read more about the trading service and the additional services

Open an Equity savings account

Opening an equity savings account online is easy – all you need is online banking codes.

Log in to Nordea Investor

Frequently asked questions about the equity savings account

About the Equity savings account

Equity savings account and investing in equities

  • You can only have one equity savings account at a time. In practice, this means you can only open the account with one bank. 
  • The equity savings account is only intended for trading in shares, so you can’t use it to trade in exchange-traded funds (ETFs), for example. You also can’t transfer shares that you already own to the account.
  • You can deposit amounts that suit you best, up to 50,000 euros, at your preferred pace. However, the value of your total holdings may end up being higher than 50,000 euros, as this limit does not account for any increase in value and dividends you may receive. 
  • You can make deposits to your equity savings account in Nordea Investor: Click on the green button in the top right corner under “My Portfolio” and select your equity savings account.
  • The profit from your equity savings account is only taxed when you withdraw money from the account. When you withdraw money from your equity savings account, you will withdraw an amount of capital and profit in the same proportion as the amount of capital and profit on your account. Any profit you withdraw is taxable capital incomeand the tax, which is currently 30% of the profit, will be withheld. This profit includes dividends, which are also fully taxed at the same rate. In contrast, on a book-entry account only 85% of dividends are taxed. 
  • If your equity savings account incurs a loss, you can only deduct the loss in taxation when you close the account. This means that you would need to sell all your holdings and withdraw the funds from your equity savings account.
Prices
Terms

Equity savings account and investing in equities

  • You can only have one equity savings account at a time. In practice, this means you can only open the account with one bank. 
  • The equity savings account is only intended for trading in shares, so you can’t use it to trade in exchange-traded funds (ETFs), for example. You also can’t transfer shares that you already own to the account.
  • You can deposit amounts that suit you best, up to 50,000 euros, at your preferred pace. However, the value of your total holdings may end up being higher than 50,000 euros, as this limit does not account for any increase in value and dividends you may receive. 
  • You can make deposits to your equity savings account in Nordea Investor: Click on the green button in the top right corner under “My Portfolio” and select your equity savings account.
  • The profit from your equity savings account is only taxed when you withdraw money from the account. When you withdraw money from your equity savings account, you will withdraw an amount of capital and profit in the same proportion as the amount of capital and profit on your account. Any profit you withdraw is taxable capital incomeand the tax, which is currently 30% of the profit, will be withheld. This profit includes dividends, which are also fully taxed at the same rate. In contrast, on a book-entry account only 85% of dividends are taxed. 
  • If your equity savings account incurs a loss, you can only deduct the loss in taxation when you close the account. This means that you would need to sell all your holdings and withdraw the funds from your equity savings account.

Open an Equity savings account

Opening an equity savings account online is easy – all you need is online banking codes.

Log in to Nordea Investor

Personal customers

Need help?