S-mobiili

S-Pankki Oyj

About this app

S-mobiili combines retail, banking and asset management services into one app.

You can activate the app with any bank’s credentials or a mobile certificate.

For more information about using or activating S-mobiili, tap the bubble in the top right corner of the app or go to https://www.s-kanava.fi/palvelut/s-mobiili/.



What can I do in S-mobiili?


Member services

Bonus and Purchases – Track the Bonus status of your household and check how close you are to the next Bonus level. Review the breakdown of your purchases into different product groups, the degree of Finnish origin of your shopping basket, and compare price levels with competitors.
S-Etukortti and S-Etukortti barcode – Earn Bonus and take advantage of co-op member benefits with your phone.
Benefits and tips – Benefits tailored to you and current news. Note: By enabling notifications, you can make sure you’re always informed about your latest benefits.
Receipts for your purchases – Receipts for your purchases will be stored in the electronic receipt archive and you can stop receiving unnecessary paper receipts.
Your favourite outlets – Easily find benefits, promotions, opening hours and services for your favourite outlets in one place.
Where to earn Bonus – Search or browse locations in your area where you can earn Bonus
My information and information of your co-op member household – Easily manage your contact information and the information of your co-op member household


Bank services


Authentication – Log in and pay with your personal PIN code or fingerprint instead of using banking credentials – also works for online stores and public services!
Saver – Achieve easy savings as part of your everyday spending. Save one euro for every card payment or transfer the Bonuses you get for your S Group purchases to a fund.
Investments – Check your funds or investments, make additional investments in the funds you own, or invest in new funds.
Loans – Apply for an S-Laina loan or increase the loan amount, and check your loan information.
Accounts – View your account balances and transactions.
E-salary – View electronic payslips.
Cards – Apply for a new card or increase your card’s credit limit. Check the PIN code of your card, adjust security limits, and view your credit transactions.
Google Pay – Connect your payment card to the Google Pay app to start making mobile payments.
Paying – Pay bills or transfer money between your accounts easily and quickly.
E-invoices - Order new e-invoices and view your existing e-invoice orders.
S-Bank Private – Make use of investment and asset management services tailored to your needs. Only available to S-Bank Private customers.
Contact us – Call us or send us a message, provide feedback on our services, or view our FAQs.


You can use S-mobiili on a phone with an Android operating system version of 8.0 or newer.



Please note that in order to use S-mobiili, you must be a co-op member or belong to a co-op member household. More information about co-op membership: s-kanava.fi

What does S-mobiili request permission to?

Location data, so that we can provide you with the closest services and the most relevant benefits.

Use of the camera, to scan barcodes so you can conveniently pay your bills.

Sending notifications, so that you can be notified of matters like received e-invoices and electronic cash receipts.

Ratings and reviews

Well the app still works but it really seems it's only gone worse over the years while competitors' apps have improved. Main issue is that the app is slow. Everytime I open the app it starts "loading" for around 15-30 seconds until it figures out that "hey, you need to sign in first". So nowadays I just always force stop the app before opening it. Secondly the authentication is very unreliable and requires to be very careful about the sequence you execute the steps or spiral into errors.

Clunky app. The implementation of fingerprint scanner seems unorthodox, seeing that it won't necessarily work properly on Fairphones or without a complete app reset when changing biometrics. Oh yeah, an overzealous DRM checker on this one.

The application is fantastic for what I basically use it for (transactions). The fact that they are constantly improving and listening to customers' feedback by including the English language is commendable. As they say there is always room for improvement. I personally would like to see Spankki send notifications for different things like pending direct debits etc..