minimitalletusten

Minimitalletukset refer to the smallest amount of money that a customer must deposit to open, maintain, or access a financial product offered by banks or other financial institutions. The exact sum is defined in the product terms and can vary by product type, institution, and jurisdiction.

Common contexts include savings accounts, time deposits (talletukset), money market accounts, mutual funds, and brokerage accounts. A minimum deposit may be required to open the account, qualify for a certain interest rate, or avoid recurring fees. In some products, there is also a minimum initial investment to purchase units or access the service.

Implications for customers include that not meeting the minimitalletus can affect eligibility or benefits. The product may be unavailable, fees may be higher, or advantages such as higher interest rates may not apply. Some providers offer zero-minimum options or promote temporary waivers to attract customers.

Variation in minimitalletukset is significant across markets and product types. Basic savings accounts might require modest sums, while fixed-term deposits or investment funds often require hundreds or thousands of euros. The trend in digital banking in recent years has led many institutions to reduce or eliminate minimums to improve accessibility.

See also: deposit, savings account, fixed-term deposit, mutual fund, initial investment.