45K reviews
Content rating
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About this app

What is S-mobile?

S-mobiili brings trade, bank and asset management services into one application.

You can activate the application with any bank credentials or mobile certificate.

If you need more information about using or setting up S-mobiili, touch the speech bubble in the upper right corner of the application or go to s-mobiili.fi/ukk.

What can you do in S-mobile?

Customer owner services

- Bonus and purchases - Track the bonus situation in your finances and check how close you are to the next bonus level. Research the breakdown of your purchases into different product groups, the domestic level of your grocery basket and the price level compared to competitors
- S-Etukortti and S-Etukortti barcode - Collect Bonus and take advantage of Customer-Owner benefits using your phone
- Benefits and tips - Benefits and current news tailored to you. Note When you enable notifications, you ensure that you always receive information about your latest benefits
- Receipts for your purchases - You can save your purchase receipts in an electronic receipt archive and you can get rid of unnecessary paper receipts.
- Where you can get Bonus - Search or browse locations in your area where you can collect bonus
- Your own information and that of your customer-owner economy - Easily manage your own contact information and the information of your customer-owner economy

Bank services

- Identification - Log in and pay with your chosen password or fingerprint instead of online banking credentials - also in online stores and public services.
- Saver - Save along with your daily spending. Direct the Euro savings from each of your card payments or S Group purchases to the Bonus fund.
- Investments – View the funds or your investments, make additional investments in the funds you own and invest in a new fund.
- Loans – Apply for or increase your S-Loan and view your loan information.
- Accounts – View your account balances and account transactions.
- Online salary – View electronic salary statements.
- Cards – Apply for a new card or increase the card's credit limit. Check the card code, edit security limits and view your credit transactions.
- GooglePay – Connect your payment card to the GooglePay application to start mobile payments.
- Payment – ​​Pay bills or transfer money between your own accounts easily and quickly.
- S-Pankki Private – Take advantage of investment and asset management services tailored to your needs. Only visible to S-Pankki Private customers.
- Contact us – Call or send us a message, give us feedback about our services or see the frequently asked questions.

You can use S-mobile with a phone with at least the Android 8.0 operating system.

Please note that to use S-mobil you must be a customer owner or belong to a customer owner household. More information on customer ownership: s-kanava.fi

What does S-mobile ask for permission for?

- Location information so that we can offer you the nearest services and the most relevant benefits.
- Using the camera to read the barcode so you can pay bills conveniently.
- To send notifications, so that you can receive information about, for example, incoming e-invoices and electronic cash receipts.
Updated on
Apr 30, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Financial info
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

43.3K reviews
Timo Anttila
April 14, 2024
I really like the S-mobiili app. It's easy to use, and all the important features are easy to find. I use it almost daily when I'm in Finland. A nice bonus is that I receive all my cash receipts from certain shops directly in the app. However, I mostly live in Kenya and need VPN for security. The app works with F-Secure Freedome but not ProtonVPN or CyberGhost. It keeps loading until it says try again.
9 people found this review helpful
S-Pankki Oyj
April 15, 2024
Hei! Ikävä kuulla tapahtuneesta. Olethan yhteydessä asiakaspalveluumme asian selvittämiseksi. - S-mobiilin kehitystiimi
April 15, 2024
AV0ID AV0ID AV0ID! Won't open overseas! They're famous for having the most lawsuits! Impossible to get service from. Hour long queues on the phone. More than 8 days to get a written reply on the app. They started sending me overdue student loan SMSes without ever having discussed a payment plan with me. Then sent warnings to Kela. Have to use their app to even see or contact them which costs money. App don't work overseas! Choose anything else! App is just _____ filled with marketing.
4 people found this review helpful
S-Pankki Oyj
April 15, 2024
Hey! S-mobile can currently only be used in Finland via either the Google Play store or the App Store, where the country setting is Finland, Sweden or Estonia. At the moment, the implementation of S-mobile is not possible in other countries. - S-mobile development team
Jipson Kolenchery
May 15, 2024
Not able to open the app since a month.when I try to open the app I get some error message in Finnish asking me to check settings and no further details about the issue.Cannot consider this useful app as this issue is not fixed yet.
S-Pankki Oyj
May 16, 2024
Hi! Sorry to hear there is a problem with S-mobiili. If issue continues, I recommend you restart your device and check system and app updates or delete S-mobiili and activate it again with your online credentials. If you need further assistance, please call to our customer service. -S-mobiili development team

What's new

Kuukausisäästäminen rahastoon on nyt mahdollista S-mobiilissa! Rahastosäästäminen on helppo tapa kartuttaa säästöjä. Valitse itsellesi sopiva säästösumma ja rahasto laajasta rahastovalikoimastamme.