Europe
Money, cards and tipping in Finland
EUREuro
Money in Finland
Cards almost everywhere Cards and contactless work almost everywhere, including market stalls; cash is still accepted but rarely needed. US$1 ≈ €0.89 (03 Oct 2026).
Key facts
- Tipping: Not expected; service is included. Rounding up for excellent service is a kind gesture.
- ATMs: Otto. ATMs are the main network and rarely add local fees; decline dynamic currency conversion.
- Paying by phone: Apple Pay and Google Pay are widely accepted; locals use MobilePay to pay each other.
- Price level: about 85% of US prices (World Bank PPP).
Cash or card, by place
| Place | Cards | Notes |
|---|---|---|
| Helsinki | Cards almost everywhere | Cards and contactless work almost everywhere; cash is only needed for a few flea markets or small kiosks. |
| Rovaniemi | Cards almost everywhere | Cards and contactless work almost everywhere including tours; carry a card, not cash. |
| Tampere | Cards almost everywhere | Cards and contactless work almost everywhere; cash is only needed for a few markets or kiosks. |
| Turku | Cards almost everywhere | Cards and contactless work almost everywhere; cash is only needed for a few markets or kiosks. |
Quick answers
Do you tip in Finland?
Not expected; service is included. Rounding up for excellent service is a kind gesture.
Is Finland cashless?
Cards almost everywhere. Cards and contactless work almost everywhere, including market stalls; cash is still accepted but rarely needed.
What currency does Finland use?
The Euro (EUR). US$1 ≈ €0.89 (03 Oct 2026).
Sources
- ExchangeRate-API open rates
- US State Department travel advisory
- Finnish Immigration Service (Migri)
- EU Entry/Exit System (EES)
- Speedtest Global Index, Aug 2026
- VR
- Alko
- Bolt in Helsinki
- World Bank open data
Compiled and reviewed by SoloSquare. How we compile and score this. Spotted something out of date? Tell us.