Euro from Ireland to a Finnish bank account
Finland is the one Nordic country that uses the euro, so a payment from your Grey euro balance reaches OP Financial Group, Nordea Finland or Danske Bank Finland without a conversion at either end. SEPA credits typically arrive within minutes, and the fee is on screen before you confirm.
EUR
EUR
-
Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
The Ireland to Finland corridor, honestly sized
This is a thin corridor and a simple one. The regular senders are Irish people working in Helsinki, Espoo or Tampere who still have costs at home, Finnish families in Ireland sending money back, and Irish businesses paying Finnish suppliers in machinery, forestry products and health technology.
There is also a small but steady student flow in both directions, since Finnish universities take a lot of Erasmus places and Irish colleges send students north every autumn.
The useful fact for all of them is currency. Finland kept the euro when its neighbours kept the krona and the krone, so this is one of the few routes between Ireland and the Nordics where nothing needs converting at all.
How to pay a Finnish account
Set up
A Grey account is free and takes around five minutes with one valid identity document.
Add euro
SEPA transfer from your Irish bank into your Grey euro balance, held until the Finnish payment is due.
Send
Type the Finnish IBAN, which begins FI, check the fee and confirm. The euro credits their account as a standard SEPA payment.
What a payment to Finland costs
That makes comparison unusually easy here. On corridors with a conversion you have to work out the receiving amount; on this one the receiving amount is the amount you typed, less a fee you saw in advance.
The exception is funding from another currency. Dollars held on Grey convert into euro once before the Finnish payment leaves, with the rate displayed next to the fee.
Why no rate applies to Finland
Ireland and Finland both use the euro. A transfer between them is a movement of the same currency, so no rate is applied and the amount does not change in transit.
If your balance is in dollars or sterling, one conversion happens on your side at a rate fixed when you confirm, and the euro figure that reaches Helsinki is settled from that point.
Grey next to an Irish bank sending to Finland
Both go over SEPA, so the difference is in how the payment is presented to you. An Irish bank prices international payments in a schedule and gives you little sight of the payment once it has left. Grey shows the fee as you enter the amount, keeps your reference with the money, and lets you watch the credit until the Finnish bank posts it.
How it shows up in Finland
A euro credit in their Finnish account, listed like any domestic payment. Nothing is required of them beyond having an account.
Finnish banks
OP Financial Group, Nordea Finland, Danske Bank Finland and other Finnish banks by IBAN.
Arrival
A funded euro balance reaches Finnish banks typically within minutes over SEPA.
Grey to Grey
Where both sides hold Grey accounts, GreyTag transfers are free and instant.
Putting euro into your Grey account
The Irish end works the same on every route. Many readers keep Revolut for travel money; Grey is the account for a payment that must arrive at a named Finnish bank with a reference.
Irish SEPA transfer
From an Irish current account at AIB, Bank of Ireland or Permanent TSB.
Money earned in dollars
Dollars into a USD account provided by Lead Bank, converted once into euro on Grey.
What is already on Grey
An existing euro balance can fund the Finnish payment immediately.
Save the Finnish IBAN with the reference the recipient uses, and the next payment to Helsinki or Turku is a single screen.
What this corridor carries
Rent and living costs
Irish workers and students covering rent in Helsinki, Espoo, Tampere or Turku.
Supplier invoices
Irish firms paying Finnish machinery, forestry and health technology suppliers in euro.
Family transfers
Finns living in Ireland sending money to relatives at home without a conversion in between.
Study costs
Fees, housing deposits and allowances for a semester at a Finnish university.
Four uses account for most of it, and they are all payments where the exact euro figure is the point.
Why use Grey for Finland
FAQs
Which Finnish banks can Grey pay into from Ireland?
OP Financial Group, Nordea Finland, Danske Bank Finland and any other Finnish bank with an IBAN. Your recipient needs no Grey account.
Is money converted when I send euro to Finland?
No. Finland uses the euro, so the amount you confirm in Ireland is the amount credited to the Finnish account.
Is the Finnish IBAN enough to send a payment?
Yes. The IBAN, which begins FI, plus the recipient's name is enough. Grey shows the fee before you confirm.
How quickly does a SEPA credit reach a Finnish bank?
From a funded euro balance, credits to Finnish banks typically arrive within minutes, and the payment stays trackable until settlement.
Can an Irish company pay a Finnish supplier in euro?
Yes. Enter the supplier's Finnish IBAN and reference so the invoice number arrives with the payment, with the fee shown beforehand.
Does my recipient in Tampere pay anything to receive it?
Grey deducts nothing on arrival. The euro lands as an ordinary credit in the Finnish account they already use.
What if my Grey balance is in dollars, not euro?
One conversion into euro happens before the payment leaves, at the rate fixed on confirmation, and Finland still receives euro.
Will my reference reach the Finnish bank?
Yes. The reference you enter travels with the credit, which matters when it settles a numbered invoice or a housing deposit.
Can I send to Turku or Oulu, not just Helsinki?
Yes. Any Finnish bank account with an IBAN can be paid, wherever in the country your recipient lives.
Can I pay rent for a student in Helsinki each month?
Yes. Save the landlord's Finnish IBAN once, then each month takes only the amount and a confirmation from your euro balance.
Why is Finland simpler than Sweden or Denmark from Ireland?
Finland uses the euro, so nothing converts. Swedish and Danish accounts receive a euro credit that their own bank converts to local currency.
Get digital banking
at your fingertips
