S-Bank Ltd (S-pankki Oy) is the bank of the S-Group (Finnish: S-ryhmä), a Finnish retailing cooperative organisation.

S-Bank is the first so called supermarket bank in Finland. Changes in legislation about personal accounts at co-operatives made them uncompetitive, such that founding an entirely new bank was actually easier than keeping the personal accounts as co-operative funds. The co-operative did, and the bank continues to, offer a relatively high interest to deposited funds (2.5% as of February 2008). The existing network of supermarket service desks is used to service customers. However, Internet-based electronic banking is recommended and provided at no cost to the customer. Visa credit and debit cards are available.

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