Finland
Money in Finland: currency, ATMs, cards and tipping
Use euros (EUR) for all purchases; cards and contactless phone payments work at almost every shop, restaurant and ATM, so you can mostly go cash‑free. Tipping is not expected because service is included in the price; round up only if you wish.
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Key facts
- Currency
- Euro (EUR, €)
- Cash necessity
- Low – cards accepted everywhere
- Typical tip
- Not required; optional rounding
Currency, ATMs and cards
Finland uses the euro. ATMs are common in cities, towns and at train stations; they dispense euros and accept most major cards. Visa, Mastercard and contactless mobile wallets (Apple Pay, Google Pay) work nationwide. Small shops may prefer card over cash, but a few euros for tiny purchases or tips is handy.
- ATMs: 24 h in city centres, often free for local cards; foreign cards may incur a €2–3 fee.
- Card acceptance: virtually universal in restaurants, cafés, supermarkets and public transport.
- Cash: useful for market stalls, small‑town kiosks or tipping by rounding up.
Tipping in Finland
Service charge is included in all listed prices, so tipping is not part of the culture. If you receive exceptional service, rounding the bill up by €1–2 or leaving a small amount in a café is appreciated but not expected.
- Restaurants: no tip required; optional €1‑2 rounding.
- Bars & cafés: rounding up the check is common.
- Taxis: fare is final; you may add a euro for good service.
Practical money tips
Carry a small amount of cash for vending machines or rural shops that may only accept cash. Notify your bank of travel to avoid card blocks. Use the MobilePay app for peer‑to‑peer payments if you meet locals, but visitors can pay by card everywhere.
- Check ATM fees with your bank before travel.
- Keep receipts for any large cash withdrawals for tax purposes.
- Exchange rates are transparent; avoid currency exchange kiosks at airports where rates are poorer.
Questions people ask
What currency is used in Finland?
Finland uses the euro (EUR, €) for all transactions.
Should I use cash or a card in Finland?
Cards and contactless phone payments are accepted everywhere; cash is only needed for small purchases or in very remote areas.
How much should I tip in Finland?
Tipping is not expected; you may round up the bill by €1‑2 if you wish to show appreciation.
Are ATMs easy to find in Finland?
Yes, ATMs are common in cities, towns and at train stations. They dispense euros and accept most major cards. Foreign cards may incur a €2–3 fee.
Can I use my phone to pay in Finland?
Yes, Apple Pay and Google Pay work at almost every shop, restaurant and public transport ticket machine. Cards are also universally accepted.
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Deep dive
Every source; changeable facts are marked check
Sources
- secondaryVoykit – Finland guide
Ask about Finland
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