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Card payments increased in July-September 2025. By industry, the growth was mainly explained by three industries: recreation and culture, food and non-alcoholic beverages, and miscellaneous goods and services. In two industries, the aggregate value of card payments declined in July–September 2025.
Card payments initiated in mobile applications increased in the first half of 2025, reaching a total value of EUR 8.1 billion. A growing share of card payments is now made via virtual terminals, while the share of payments at physical terminals has declined.
New loans to non-financial corporations were drawn down significantly more both in the third quarter of 2025 and in January–September 2025 than one year earlier. In 2024, drawdowns of corporate loans from other financial institutions were limited.
In October 2025, non-financial corporations drew down EUR 2.4 billion of new loans from banks operating in Finland. This was 36% more than in the same period a year earlier. In October, the average interest rate on new corporate loans was 3.57%, as opposed to 4.94% in the same period a year earlier.
As a result of net subscriptions and positive value developments, households’ holdings in domestic investment funds reached an all-time high of EUR 41.6 billion at the end of September. Net subscriptions amounted to EUR 376 million, the highest monthly volume in the history of these statistics (since 2009).
Finnish households drew down new housing loans in September 2025 to a total of EUR 1.3 billion, an increase of 11% on September 2024. At the same time, the average interest rate on the new drawdowns rose slightly from August, and in September new housing loans were taken out at an average interest of 2.82%. The maturities of new owner-occupied residential mortgages and buy-to-let mortgages have lengthened.
Student loan drawdowns in August 2025 were lower than in the same period a year earlier. However, the high drawdown volumes over the past academic year boosted the student loan stock to an all-time high.
At the end of the second quarter of 2025, households’ total consumer credit stock was EUR 28.2 billion, and its year-on-year growth rate was 0.5%. Half of the consumer credit (EUR 14.1 billion) was unsecured consumer credit (excl. vehicle loans). OFIs have granted 19% of all consumer credit.
In the second quarter of 2025, Finnish payment cards were used for a total of 652 million card payments, an increase of 3% compared with the same period in the previous year. The aggregate value of contactless payments rose by 23% year on year.
Despite the fall in interest rates, in July 2025 households concluded new agreements on deposits with an agreed maturity almost the same as in July a year earlier. Compared with the average interest rate on overnight deposits (incl. transaction accounts), the interest paid on deposits with an agreed maturity was higher in July.
At the end of June 2025, the stock of Finnish households’ deposits (EUR 114.7 billion) stood at an all-time high. Deposit interest rates have declined. At the end of June 2025, households’ holdings of quoted equities totalled EUR 52.4 billion, representing an increase of 8% year-on-year.
Drawdowns of holiday cottage loans exceeded the level of 2024 for every month in the first half of the year. The average interest rate on new drawdowns of holiday cottage loans declined slightly from May. The average interest rate on the stock of holiday cottage loans declined steadily in the first half of 2025.
At the end of the first quarter of 2025, households’ total consumer credit stock was EUR 28.0 billion, and its year-on-year growth rate was 0.3%. Approximately half of the consumer credits (EUR 13.8 billion) was unsecured consumer credit (excl. vehicle loans).
In the first quarter of 2025, the value of card payments by Finnish payment service providers’ customers totalled EUR 17.1 billion. Almost a third of this amount was paid to vendors in the food and non-alcoholic beverages industry.
In H2/2024, Finnish payment service providers’ (PSP) customers withdrew 6.1% less cash in euro terms at automated teller machines (ATMs), bank branches and point-of-sale (POS) terminals, compared to the same period last year.
The volume of new vehicle loans and other consumer credits granted by other financial institutions to Finnish households decreased year-on-year in the first quarter of 2025. The average interest rate on new consumer credits declined compared to the corresponding period in 2024.
At the end of April 2025, housing corporations’ loan stock stood at EUR 45.4 billion, and the average interest rate on the stock (3.36%) was 1.12 percentage points lower than at the same time a year earlier.
At the end of March 2025, the stock of Finnish households’ deposits (EUR 112.1 billion) was EUR 3 billion higher than at the same time a year earlier. The average interest rates on higher-interest deposits, i.e. agreed-maturity and investment deposits, turned to a decline in the course of 2024. As the level of interest rates declined, households’ investments in higher-interest deposits have decreased.
In March 2025, Finnish non-financial corporations (excl. housing corporations) drew over twice as much as in the same period a year earlier. The average interest rate on new corporate-loans fell by from March last year.
