EU & Eurozone

Estonia

Bank Account Opening • Payment Institutions • Account for Foreign Company • Personal Account

Banking in Estonia

Europe's most digital economy

Estonia is a pioneer in digital government and banking, offering seamless online account management compatible with e-Residency.

The country's innovative fintech ecosystem and digital infrastructure make it ideal for tech-forward businesses.

Key advantages:

  • Fully digital account opening process
  • e-Residency compatible banking
  • Advanced API and integration options
  • Eurozone member with SEPA access
  • Innovative fintech ecosystem

Minimum Requirements

What you need to open an account

For Local Company

  • e-Residency card or personal visit
  • Registered office address in Estonia
  • Completed beneficial owners registry
  • Business plan with Estonian connection

For Foreign Company

  • Registry extract with Apostille (max 3 months old)
  • Sworn translation to Estonian/English
  • May open remotely via fintech solutions
  • Planned annual turnover over €250,000

For Individuals

  • e-Residency card or personal visit to Tallinn
  • Estonian phone number (for traditional banks)
  • For fintech - often fully remote
  • Proof of income source

Account Opening Process

The process takes place in two stages

1

Document Collection

We help prepare all required documents and verify e-Residency setup. Average time: 1 week.

2

Submission & Opening

Submit application online or in-person. Account opening within 1-3 weeks (fintech faster).

Ready to Open a Bank Account in Estonia?

We help e-Residents and traditional companies find the right banking solution