Banking in Estonia splits along one line, and it is not resident against foreigner or bank against fintech. It is you against your company. A personal account is a regulated consumer product: Finantsinspektsioon says banks must provide basic payment services, an obligation that covers consumers only, so a refusal is a last resort and a closure needs a stated ground.
A company account has no entitlement and no published appeal, and its price is set by who owns the company rather than by where you live. Start with whose account it is; the cards below take it from there.
Personal Accounts
The five banks, what each charges a foreigner, and the fee a lease makes disappear.
🏢Business Accounts
What an OÜ pays, why one owner abroad changes it, and where share capital goes.
💻e-Resident Companies
The refusal problem, and the payment institution most e-residents end up with.
💳Credit Cards
The income floor a new arrival does not meet, bank by bank.
🌍Sending Money Abroad
Instant in euro, and the FX margin nobody publishes.
📈Investing
The investment account, and what deferring tax is actually worth here.
📊Brokers
Who reports to the Tax Board for you and who leaves it to you.
One thing worth knowing before you click anything
Only an Estonian-licensed credit institution puts your money under the Estonian deposit guarantee. A payment institution safeguards client funds in segregated accounts instead, which is a real protection and is a different one. Finantsinspektsioon publishes the list of who holds which licence, and it is the first thing to check about any provider a comparison site recommends to you.