How Finnish salary slips work

2025-12-12 16:28 Banks Work

Your payslip in Finland is one of the most important documents you’ll ever use, not just for your own records but also for Migri, Kela, banks, rental applications, loans, and even day care. So knowing where to locate it and how to read it really does matter.

The good news?

✅ You usually don’t need to request it from your employer

✅ You can access all your payslips directly through your online bank

Here’s how to download your payslips in online banking yourself:

1️⃣ Log in to your online bank (mobile app or browser)

2️⃣ Look for a section called:

“Salary Data” / “Palkkatiedot” / “Payment Information”

(the name varies depending on the bank)

3️⃣ Select the salary data provider, eg. Apix or Apix Messaging

4️⃣ You’ll then be redirected to https://palkka.apix.fi/

5️⃣ There you can view, download, and save all your payslips as PDFs

Tip! Your most recent payslip normally shows your total income for the entire year.

This means that for things like Migri, Kela, or residence permit extensions, one recent payslip is often enough, you don’t always need to collect every single one manually.

What a Finnish salary slip usually includes:

→ Gross salary

→ Income tax

→ Pension contributions

→ Unemployment insurance

→ Net salary (the amount you actually receive)

→ Employer contributions

→ Accumulated income for the year

One of the big advantages of the Finnish payroll system is transparency, everything is clearly itemised.

When can banks, landlords, and authorities ask for it? Usually, when you:

→ Apply for or extend a residence permit

→ Rent an apartment

→ Apply for Kela benefits

→ Open a credit line or apply for a loan

→ Register your child for day care

→ Prove income for family reunification

Keeping track of your payslips might seem like a small detail, but in Finland it can save you a lot of time, stress, and paperwork in almost any official process.

By the way, if you’re employed through Nerdsbay’s EOR model, your payslips work exactly like those of any Finnish employee 😉