Instructions for tuition fee payment

Tuition fees at Xamk:

Bachelor’s degrees 9700 euros / academic year
Master’s degrees 11 500 euros / academic year
Double degrees 3000 euros / double degree programme

The tuition fee for one academic year is paid in one instalment, it is generally not possible to pay the fee in parts.

Tuition fee for degree programmes beginning in January (autumn application rounds)

For the degree programmes beginning in January, the fee is paid for the first semester separately (50% of the full fee), after which the academic year timeline (full fee, 2 semesters) is followed. Please note that the Early Bird scholarship is not available in the autumn application rounds (Joint Application or separate applications).

Payment options

Select your payment option

There are two alternative ways to pay the tuition fee:

Electronic payment
- Online payment from a Finnish bank account or payment by credit cards: VISA, MasterCard or American Express
- Note the separate links for full price, Early Bird price and for double degree programmes.
- Electronic payments are received at Xamk within 1 working day from the payment.
Invoice
- Order the invoice to receive the details you need for paying tuition fee by bank transfer.
- Order the invoice only if you are sure you will not pay electronically.
- Payments by invoice received at Xamk within 2-6 working days, depending on the country.

The Admission Services sends you an email to confirm the received tuition fee payment. Your student status as an attending student is then automatically registered.

Select the payment option you want to use from the menu below, and find links for the electronic payment and for the invoice order.

Electronic payment (full price)

Pay your tuition fee in full by selecting your programme from the list below.

You can pay the fee either for one semester (studies beginning in January) or two semesters (studies beginning in August).

Electronic payment with Early Bird scholarship

Pay your tuition fee with Early Bird scholarship by selecting your programme from the list below.

The Early Bird scholarship is available during limited time period in spring application rounds. The Early Bird scholarship does not concern degree programmes beginning in January or double degree programmes.

Electronic payment for double degree programmes

Pay your tuition fee for double degree studies by selecting your programme from the list below:

Tuition fee for double degree programmes covers the total duration of the studies. The Early Bird scholarship is not available for double degree programmes.

Invoice (bank transfer)

If you are not able to pay the tuition fee electronically, order an invoice for paying the fee through this link.  

The invoice includes the details you need for paying tuition fee by bank transfer.

The invoice will be sent by email as soon as possible but within one week from sending the order at the latest. Note: orders are processed during weekdays, excluding public holidays.

Refund policy

The paid tuition fee can be refunded to new students in the following cases only: 

Residence permit for the studies arranged on campus is not granted. Please note that the fee cannot be refunded if the student withdraws the residence permit application.
The enrolment status is changed to non-attendant after paying the fee but before the enrolment deadline (spring applications: 14 July 2023, autumn applications: 1 December 2023).

PROGRAMME-SPECIFIC REFUND INSTRUCTIONS

Digital International Business, Information Technology, Nursing: The studies in these programmes are delivered in-class on campus . All students must be present on campus by 11 September 2023 at the latest. The next possibility to start studies after that will be in August 2024 with a new group.
- If you are not able to join the studies on campus by the given deadline, the paid tuition fee will be automatically transferred to the academic year 2024-2025.
- You can ask for a refund on the paid tuition fee if you receive a negative residence permit decision.
Game Design (full-time): The studies in this programme are delivered in-class on campus . All students must be present on campus by 4 September 2023. The next possibility to start studies after that will be in August 2024 with a new group.
- If you are not able to join the studies on campus by the given deadline, the paid tuition fee will be automatically transferred to the academic year 2024-2025.
- You can ask for a refund on the paid tuition fee if you receive a negative residence permit decision.
Game Design (part-time): The studies are delivered on campus from January 2024 onwards. Refund instructions are published here later.
International Business Management (Master): The orientation and contact days are delivered in-class on the Kouvola Campus, Finland from January 2024 onwards. If you are unable to be present on campus e.g. due to delays in the residence permit process, you can start the studies online (study sessions delivered via MS Teams). You are however expected to join the studies on campus as soon as possible.
- Because you can start the studies online, the tuition fee for the spring semester 2024 cannot be refunded even if you receive a negative residence permit decision. You can however apply for a scholarship based on 1 semester of studies (min. 27 ECTS credits).
- All students are expected to join the studies on campus from the second semester (from August 2024) onwards. Tuition fee for the second and third semester (academic year 2024-2025), 11 500 euros, is to be paid by 31 July 2024.

Scholarships

Early Bird scholarship

The Early Bird scholarship is a 50% discount on the tuition fee of the first study year at Xamk.

You can get the Early Bird scholarship if you:

accept the offer of admission within one week (7 days) from the admission and
pay the tuition fee with discount (4 850 euro / 5 750 euro) within three weeks (21 days) from the admission.

In order to qualify for the scholarship, you must follow the deadlines given in the offer of admission.

If you do not follow the given deadlines, you will lose the scholarship. You can still enrol for the studies by paying the full tuition fee (9 700 euro / 11 500 euro) by 14 July 2023.

The Early Bird scholarship is available during limited time period in spring application round.

The Early Bird scholarship does not concern degree programmes beginning in January or double degree programmes.

Scholarships during the studies

Scholarship based on study progress

During the studies, you can apply for a scholarship after each study year. You qualify for the scholarship by progressing in the studies well.

You are offered at least 60 ECTS credits of studies per academic year (1 August – 31 July). If you complete 55 ECTS credits during the academic year (1 August - 31 July), you can apply for a scholarship based on completed studies. The application must be submitted by 31 July 2024.

The scholarship during the studies is worth 50% of the paid tuition fee. The scholarship is paid in euros, separately to student’s own bank account and the amount of the scholarship cannot be deducted from the tuition fee of the next academic year.

Scholarship based on Finnish language and culture studies (Bachelor’s programmes only)

If you qualify for the scholarship based on study progress, you can also apply for an additional scholarship on the basis of studies you have completed in Finnish language and culture during the academic year. The scholarship on Finnish language and culture studies does not concern Master’s programmes.

Instructions for continuing students are available on Lux intranet.

Bank account for scholarship payments

Bank account and Finnish ID for scholarship payments

The scholarship can only be paid in euros to your own bank account. The amount of the scholarship cannot be deducted from the tuition fee of the next academic year.

Most convenient, inexpensive and quickest way to receive the scholarship payment is to have your own bank account with International Bank Account Number (IBAN) for the scholarship application. The bank account should be located in an EU or EEA country, or in one of the following countries: Andorra, San Marino, Switzerland, or Vatican (countries suitable for SEPA payments).

In addition, you are recommended to provide a Finnish personal ID code for the scholarship payments during your studies. You can request for a Finnish personal ID code on residence permit application to Finland. Please see more information on Finnish Immigration Services website.

If you don’t have a residence permit in Finland at the time of the scholarship payment (e.g. studies have been completed online from outside Finland), the scholarship payment can be made to other than IBAN bank account and in this case the Finnish personal ID number is not required.

Tuition fee and scholarship timetable

Tuition fee is to be paid annually before the beginning of the academic year:

for the 1st study year by the deadline given in the offer of admission
for other study years by 31 July.

The scholarship application is submitted annually after each academic year. The application can be submitted as soon as the requirements are met but by 31 July at the latest.

Examples on the fee and scholarship timetable

Studies beginning in August (spring applications)

When you have admission and the Early Bird scholarship for the academic year 2023-2024:

You pay the tuition fee for the academic year 2023-2024 by the Early Bird deadline given in the offer of admission. The fee to be paid is 4 850 (Bachelor) / 5 750 (Master) euros.
Scholarship based on study progress is worth 50% of the paid fee, 2 450 (Bachelor) / 2 875 (Master) euros. Apply for the scholarship after the study year, when you meet the requirements, but by 31 July 2024 at the latest. Apply for the scholarship based on the Finnish language and culture studies on the same application (concerns Bachelor’s programmes).
You pay the tuition fee for the academic year 2024-2025 by 31 July 2024. The fee to be paid is 9 700 (Bachelor) / 11 500 (Master) euros.

When you have admission without the Early Bird scholarship for the academic year 2023-2024:

You pay the tuition fee for the academic year 2023-2024 by 14 July 2023. The fee to be paid is 9 700 (Bachelor) / 11 500 (Master) euros.
Scholarship based on study progress is worth 50% of the paid fee, 4 850 (Bachelor) / 5 750 (Master) euros. Apply for the scholarship after the study year, when you meet the requirements, but by 31 July 2024 at the latest. Apply for the scholarship based on the Finnish language and culture studies on the same application (concerns Bachelor’s programmes).
You pay the tuition fee for the academic year 2024-2025 by 31 July 2024. The fee to be paid is 9 700 (Bachelor) / 11 500 (Master) euros.

Studies beginning in January (autumn applications)

When you have admission for the spring semester 2024:

You pay the tuition fee for the first semester (spring 2024) by 1 December 2023. The fee to be paid is 4 850 (Bachelor) / 5 750 (Master) euros.
- The Early Bird scholarship is not available.
Scholarship based on study progress is worth 50% of the paid fee, 2 425 (Bachelor) / 2 875 (Master) euros. Apply for the scholarship after the study year, when you meet the requirements, but by 31 July 2024 at the latest. Apply for the scholarship based on the Finnish language and culture studies on the same application (concerns Bachelor’s programmes).
You pay the tuition fee for the academic year 2024-2025 by 31 July 2024. The fee to be paid is 9 700 (Bachelor) / 11 500 (Master) euros.