Finnish bank eIDs (FTN)

About Finnish Bank eIDs (FTN)

Signicat supports all eIDs of Finnish banks within the framework of the Finnish Trust Network (FTN). Through one agreement with Signicat, a customer will get access to all these eIDs plus Mobiilivarmenne. The default setup for an FTN customer is that all banks and Mobiilivarmenne are shown to the end-user as login options. If a customer wants to limit the number of options, specific eIDs and Mobiilivarmenne may be removed from the menu shown to end-users.

The TUPAS protocol that was previously in use for the Finnish bank eIDs is obsolete. Banks offer their eID services through OIDC or SAML2 interfaces. A Signicat FTN customer does not need any agreements nor specific technical integration towards the banks; one agreement with Signicat and one integration towards Signicat’s API is sufficient. The personal data returned is the same for all eIDs.

The bank eIDs are of various types. When the end-user has selected the eID to use from the menu displayed by Signicat, the user is redirected to the selected bank’s (or Mobiilivarmenne) user interface. All eIDs supported by Signicat for FTN are “strong electronic identification” according to Finnish regulations, meaning they are Finnish eID level 2, which corresponds to eIDAS level substantial. Signicat is a licensed broker in FTN for “strong electronic identification”.

FTN eIDs may be used for onboarding and for issuing a new eID at the same or a lower assurance level. Special pricing applies. Please contact Signicat support if you have such needs for your service.

The following banks are members of the Finnish Trust Network:

  • Handelsbanken
  • Nordea
  • OP Bank Group
  • Danske Bank
  • Aktia
  • Säästöpankki (Savings Bank)
  • POP Bank
  • Bank of Åland
  • S-Bank
  • OmaSP


A Signicat customer may sign up for FTN for authentication and authenticated signing. No agreement with the banks or mobile operators is needed.

Typical login and signature screenshots

The first step contains a list of all FTN banks and Mobiilivarmenne (unless the customer has decided to narrow the list). The customer decides upon layout assisted by Signicat support.

The user selects one of the banks in the list, e.g. Nordea.

The user will get the selected bank’s user interface, e.g. Nordea’s eID as shown below. In some cases a language selection comes first (Finnish, Swedish, English – not all languages may be supported by all banks).

Test users

The table below contains information about the test users of the FTN banks in preproduction environments.

Bank name Login name Password SSN
Aktia no test users available
OP autofilled autofilled 070770-905D
Säästöpankki 11111111 123456 010100A001N
Handelsbanken 11111111 123456 010100A001N
POP Pankki 11111111 123456 010100A001N
Danskebank no preproduction environment
OmaSP 11111111 123456 010100A001N
no password
  • DEMOUSER1 = 010200A9618
  • DEMOUSER2 = 291292-918R
  • DEMOUSER3 = 030883-925M
  • DEMOUSER4 = 170677-924F
Ålandsbanken no preproduction environment
S-Pankki no preproduction environment


  1. Nordea’s and Aktia’s test services only use the correct language in the first page of the login-sequence. The following pages will always be written in Finnish.
  2. The test services of Handelsbanken, Säästöpankki, POP pankki, and OmaSP show login pages in both Finnish and Swedish, but the following pages are always in Finnish.

FTN support

These are the contact details of every bank whose eID is offered through FTN.

Bank Support tel. Support Support e-mail Website homepage
Aktia 010 247 010 (private)
010 247 6700 (corporate)
08:00 – 20:00 (private)
08:00 – 18:00 (corporate)
OP 0100 0500 (private)
0100 05151 (corporate)
08:00 – 18:00
Säästöpankki 010 773 6777 08:00 – 22:00
Handelsbanken 010 444 2545 08:00 – 17:00
POP Pankki 9 6964 6012 08:00 – 20:00
Danske Bank 0200 2590 09:00 – 16:00
OmaSP 020 7640 600 08:00 – 20:00
Nordea 0200 2121 (Swedish)
0200 26262 (English)
0200 2121 (Finnish)
08:00 – 18:00
Ålandsbanken 0204 292920 (Finnish)
0204 292910 (Swedish)
09:00 – 16:30
S-Pankki 010 76 5800