New VoIP solution for Finland residing people

Foreign people who lives in Finland use many VoIP services but for a long time most of them were dependent on ´'homcom.fi' services. But from 15th May 2012 their popular Elisa access number (0503107890) has been shut down. From now on for every call the cost will be 'current call rate + 013770130 access number charge 6.9 euro cent). For example, per minute charge of Bangladesh, India and Pakistan mobile will be 9.2, 7.8 and 8.3 euro cent. This new rate is quite expensive for most of the people and hence time to find out some alternative options for making cheap calls. According to primary observation it seems that Betamax group is the   cheapest option but then also lot of factors are included to make VoIP calls from mobile phone. Normally most of the Betamax group VoIP has PC downloadable softwares (for example: poivy.com, lowratevoip.com, rynga.com, etc) and currently mobile phone versions are also available (android and iphone softwares are already available but sometimes for some Nokia Symbian devices it is available too). For making cheap VoIP calls have to take unlimited internet connection (now it seems to be 4.90 euro/month but possible to buy cheaper packages when are in some offers) and a compatible mobile device (for example: android based Samsung or HTC, IPhone etc.). In this process it is possible to call in Bangladesh mobile for 2 euro cent/min, India mobile 0.6 euro cent/min and Pakistan 2.4 euro cent7min. But the main disadvantage of Betamax group is the call quality and sometimes connection problems. So, another alternative is Vopium.com with Bangladesh, India or Pakistan with monthly package. Here, for Bangladesh and Pakistan it will cost 11.44 euro/month and the user will get 500 min and 30 free international SMS. So, per minute call is about 2.3 euro cent. The call quality is very excellent and sometime better than 'hotcom.fi' services. But it has some disadvantages as well means all 11.44 euro credit must have to be used within one month and any unused credit can't be used in next month. Some of the users of this service complains that sometimes refection occurs and after consecutive 20 minutes of talking the call cuts.