Households should keep enough cash on hand for three days in case of banking system disruptions, according to the Bank of Finland.
In recent months a number of Finnish financial institutions have dealt with disruptions to their online services, due to cyber attacks.
Last weekend, S-Bank reported problems with its mobile banking platform, while Nordea Bank has struggled with several online service disruptions over the autumn caused by suspected distributed denial of service (DDoS) attacks.
Last month, Finland's Financial Supervisory Authority (FIN-FSA) called for an investigation into Nordea's issues.
According to the authority, risks of such attacks affecting the financial sector have increased.
Such attacks don't actually affect the bank's funds but do have the potential to leave banking customers unable to access their accounts, pay bills and withdraw cash.
Given those growing risks, the central bank offered advice about how people can prepare.
First, it advised that it would be a good idea for households to keep two online-accessible accounts at separate banks.
Second, it recommended setting up alternative online payment arrangements not associated with their banks, like payment platforms Siirto, MobilePay or PayPal.
Its third piece of advice was for households to keep enough cash on hand that could cover costs for a period of three days. At the same time, it said people shouldn't keep huge sums of money at home.
Bank codes are often used in Finland to verify identities, but the smartphone-based electronic ID verification system (Mobiilivarmenne) is a good backup, according to the Bank of Finland.