pankkitunnukset

Pankkitunnukset are electronic identification credentials issued by Finnish banks that allow individuals to identify themselves and to sign documents online in Finland. They are used to access many public and private online services, providing a secure link between a customer and the service they intend to use.

The credentials typically consist of a user ID and a password, plus a second factor such as a code generated by a dedicated device (code card) or a mobile application. This combination means that authentication is two-factor: something you know and something you have. Depending on the bank, the exact setup may involve different devices or apps, but the goal is the same: a strong, bank-backed method for secure login and signing.

Uses include logging in to government and municipal services (for example, tax and social insurance portals), as well as many private services that require verified identity or electronic signatures. Pankkitunnukset can be used to authorize online payments and to sign documents electronically where the service supports it.

Obtaining and activating pankkitunnukset requires being a customer of a participating bank. The applicant usually obtains and activates them through the bank’s online banking platform or at a branch, agreeing to terms and linking the credentials to the bank account. If a device or codes are lost or compromised, the bank provides procedures to revoke and replace the credentials.

Security considerations emphasize keeping PINs and codes secret, recognizing phishing attempts, and promptly contacting the bank in case of suspicion or loss. Pankkitunnukset remain a common method of electronic identification in Finland, alongside other providers such as Suomi.fi and Mobile BankID.