Fees for the use of the register
When a person applies for a new loan, for example, the lender requests a credit register extract on the loan applicant’s data. Credit register extracts are subject to a fee. The fee is based on section 31, subsection 3 of the Act on the Positive Credit Register, according to which a fee is charged for the disclosure of information to operators referred to in section 21.
When you submit a request, you will receive a credit register extract in response when:
- the individual has loans. The loan data is collected on the credit register extract.
- the individual does not have any active loans. The credit register extract states that the person does not have any loans.
However, requests for credit register extracts are subject to a fee even in the case that you do not receive an extract in response. Such situations include, for example, the following:
- The person is not found in the register. Instead of receiving a credit register extract you will be informed that the person is not found in the register.
- The person has passed away. Instead of receiving a credit register extract you will be informed that the person has passed away, and their date of death will be provided.
Please note that credit register extracts generated for incorrect personal identity codes are also subject to a fee if the form of the incorrect code meets the requirements set for personal identity codes.
Keep your invoicing information up to date
In so far as possible, we send you e-invoices to the address indicated in the data permission application.
- In the data permission application, you are asked to provide your invoice address, invoice language (Finnish, Swedish, English) and contact person for invoicing. If you use invoice references, you can also enter the reference in the application.
- We save the invoicing information in the e-service for organisations, and you can edit the information on the Invoicing and contact information page of the e-service.
Please note that the register does not send email invoices.
You will be invoiced for credit register requests once a month
The Positive credit register’s invoicing period is calendar month. The Incomes Register Unit sends lenders a monthly invoice regarding the requests for credit register extracts the lenders have made during the previous month.
- An adjustment of the invoice can be claimed from the Incomes Register Unit within 6 months from the date of invoice. Instructions on claiming adjustment are included in the invoice.
Please note that fees charged for requests for credit register extracts are fees under public law. In other words, they can be collected by enforcement without a district court ruling or decision.
The price for a credit register extract is confirmed annually
In 2025, a request for a credit register extract costs €1.02. The price is set annually in the Ministry of Finance decree on charges. The price may change as the decree is renewed.
The grounds for the fee charged for requests for credit register extracts are laid down in the Act on Criteria for Charges Payable to the State (150/1992). A chargeable request for a credit register extract (performance) and the amount of the charge are laid down in the Ministry of Finance decree on the charges payable for performances of the Tax Administration's Incomes Register Unit. The decree on charges payable in year 2025 (790/2024) was passed in December 2024, and it is in force until the end of 2025.
The price of a chargeable performance is calculated based on the cost price. The charge for the disclosure of information covers such annual costs for the operation of the Positive credit register and the maintenance of the system that relate to the provision of services for lenders. The charge also covers a corresponding portion of the establishment costs of the register, calculated as annual depreciation.
Read also
- Sharing information from the Positive credit register
- Instructions for lenders on how to request a data permission
- Documentation