Credit cards are widely accepted. ATMs are prevalent.

Credit Cards

Credit cards are widely accepted and Finns are dedicated users of plastic, even to buy a beer or cup of coffee.

Using ATMs with a credit or debit card is by far the easiest way of getting cash in Finland. ATMs have a name, Otto, and can be found even in small villages.

Exchange Rates

New ZealandNZ$1€0.59

For current exchange rates, see

Further Information

Finland adopted the euro (€) in 2002. Euro notes come in five, 10, 20, 50, 100, 200 and 500 denominations and coins in five, 10, 20 and 50 cents and €1 and €2. The one- and two-cent coins used in most other Eurozone nations are not accepted in Finland.


Currency can be exchanged at banks and, in the big cities, independent exchange facilities such as Forex (

Travellers cheques are very rarely used but can usually be changed at the same places.


  • Service is considered to be included in bills, so there’s no need to tip at all unless you want to reward exceptional service.
  • Doormen in bars and restaurants expect a cloakroom tip (around €2) if there’s no mandatory coat charge.