The question was phrased by the source as follows: "How do you process your banking matters with the bank that you primarily use (e.g., transactions)? (multi-pick). Multiple selections of the following answers were possible: - In person in a branch - Mobile (smartphone / tablet) - Online (PC / laptop) - Telephone banking - Other - Don't know
The number of respondents differs in each survey update. More information on the methodology can be found here.
* No data available for H2 2019
Citation formats
Quarterly branch banking usage in Finland 2019-2025
Branch banking usage remained exceptionally low in Finland between 2018 and 2025. According to ÀÖ²¥´«Ã½app×îа汾's Consumer Insights, the share of bank account holders who processed banking affairs in person in a branch was **** percent in the third quarter of 2025. Customers in Finland much prefer the less traditional ways of banking, such as mobile and online banking. This can be seen, for instance, in the exceptionally high mobile banking usage in the country.
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ÀÖ²¥´«Ã½app×îа汾. (October 22, 2025). Share of bank account holders processing banking matters in person in a branch in Finland from 1st half 2019 to 3rd quarter 2025 [Graph]. In ÀÖ²¥´«Ã½app×îа汾. Retrieved August 12, 2026, from /statistics/1396470/branch-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. "Share of bank account holders processing banking matters in person in a branch in Finland from 1st half 2019 to 3rd quarter 2025." Chart. October 22, 2025. ÀÖ²¥´«Ã½app×îа汾. Accessed August 12, 2026. /statistics/1396470/branch-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. (2025). Share of bank account holders processing banking matters in person in a branch in Finland from 1st half 2019 to 3rd quarter 2025. ÀÖ²¥´«Ã½app×îа汾. ÀÖ²¥´«Ã½app×îа汾 Inc.. Accessed: August 12, 2026. /statistics/1396470/branch-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾. "Share of Bank Account Holders Processing Banking Matters in Person in a Branch in Finland from 1st Half 2019 to 3rd Quarter 2025." ÀÖ²¥´«Ã½app×îа汾, ÀÖ²¥´«Ã½app×îа汾 Inc., 22 Oct 2025, /statistics/1396470/branch-banking-penetration-in-finland/
ÀÖ²¥´«Ã½app×îа汾, Share of bank account holders processing banking matters in person in a branch in Finland from 1st half 2019 to 3rd quarter 2025 ÀÖ²¥´«Ã½app×îа汾, /statistics/1396470/branch-banking-penetration-in-finland/ (last visited August 12, 2026)
Share of bank account holders processing banking matters in person in a branch in Finland from 1st half 2019 to 3rd quarter 2025 [Graph], ÀÖ²¥´«Ã½app×îа汾, October 22, 2025. [Online]. Available: /statistics/1396470/branch-banking-penetration-in-finland/
