Simplify your daily life with S‑mobiili

Download the app and make the most of your co-op member benefits.

S-mobiili is your go-to app where your S-Etukortti, shopping, and banking are conveniently at your fingertips.

With S-mobiili you can:

  • Register your bonuses and utilize other co-op member benefits:
  • Add your S-Etukortti card to Apple Wallet
  • Check your electronic receipts
  • Keep track of your Bonus balance
  • Enjoy benefits and current offers from your favorite locations
  • Utilise ‘Omat ostot’ (My Purchases) service for useful insights into your shopping habits
  • Update and manage your co-op member information, and authenticate online
  • Manage your S-Bank account and cards, as well as savings and investments
Download S-mobiili

How to get started:

Download S-mobiili from your app store. You can start using S-mobiili app with either S-Bank or any other bank's online banking credentials or mobile certificate, as long as you are a co-op member. You'll get access to S-Bank services in S-mobiili when you have an account with S-Bank and online banking credentials. For security reasons, S-mobiili can only be activated in Finland.

Step-by-step instructions for activating S-mobiili:
a) Activating S-mobiili with S-Bank credentials
b) Activating S-mobiili with credentials from banks other than S-Bank

Common queries about S-mobiili

  • Download S-mobiili from your phone’s app store (Android: Google Play, iPhone: App Store).

    For the first login, you need online banking credentials from S-Bank or another bank, and you must be a co-op member or belong to a co-op member household.

    When activating S-mobiili, an SMS verification is required to enable banking services in the app. For this, your phone number must be registered in your customer information so that the verification message can be sent. You can add your phone number to your customer details either via S-Bank’s online banking or at the nearest S-Bank customer service point.

    During the first login, S-mobiili identification is activated, allowing you to log in more easily in the future using fingerprint recognition, a PIN code of your choice, or Face ID on iOS devices that support facial recognition.

  • S-mobiili is compatible with iPhone and Android smartphones. Ensure that you have the following or newer operating systems: iOS 15 or Android 8.0.

  • Android:

    1. Open Settings.
    2. Scroll down and select About phone (or Phone information, depending on the device).
    3. Find the Android version section – this shows which version is currently installed.
    4. You can check for available updates under System > System update.

    iPhone (iOS):

    1. Open Settings.
    2. Select General > About.
    3. Under iOS version, you can see which operating system version you have.
    4. Check for available updates under General > Software Update.
    1. Open the S-mobiili app.
    2. Tap the Me button at the bottom right.
    3. Scroll down and look for App information.
    4. Here, you’ll find the app version number.

    If your app is not up to date, you can download the latest version from Google Play Store (Android) or App Store (iPhone).

  • Download the S-mobiili app from the app store and register as a user from scratch, just like you did previously on your old device. There’s no limit to the number of devices you can register with S-mobiili, so you can have it installed on multiple devices.

    If you’re using S-mobiili with S-Bank’s bank credentials on another device, it’s advisable to remove unnecessary devices after setup: Me / Identification / Remove from use.

  • S-Bank has restricted the download and update capabilities of the S-mobiili app abroad to prevent misuse as follows:

    1. Restrictions on downloading S-mobiili: You can only download S-mobiili as a new app when your phone’s Country setting is set to Finland (including Åland) and you are physically in Finland.
    2. Restrictions on updating S-mobiili: You can only update the S-mobiili app version when your phone’s Country setting is set to Finland, Sweden, or Estonia. By selecting one of these countries as your phone’s country setting, you can update the app even when abroad. Changing the country or region in the app store:iOS: App Store – Account – Customer selects themselves > Country/Region > Change country or region > Choose the country or region for the store that matches the billing address of your payment method > FinlandAndroid: Play Store – Open the Google Play Store app on your Android device > Profile icon > Settings > General > Account and device preferences > Country and profiles > Select the country you want to add the account to > Add a payment method for the country by following the on-screen instructions.

  • A discount coupon may be visible in advance to ensure you’re informed about upcoming offers ahead of time. The redeem button turns green when the coupon is available for use.

    Discounts available in S-mobiili can also be viewed and redeemed by logged-in co-op members on the S User Account website. By using the site in mobile view, you can redeem coupons just like in S-mobiili.

  • You can manage S-mobiili notifications in the app settings.

    You can either disable all notifications or choose to receive only certain ones, such as alerts for new e-receipts or discount coupons.

  • S-mobiili is your bank on your phone. You can check your account transactions and pay bills. You’ll also have access to your cards, allowing you to adjust security limits and view credit transactions. Additionally, you can invest in funds, track your savings, and manage loans. Read more about banking services on the S-Bank website (available in Finnish and Swedish).

    S-mobiili also includes the convenient Säästäjä (Saver) service, which makes saving easy and cost-effective. You can find more information on Säästäjä and how to activate it on the S-Bank website.

More common queries