Finland is nearly cashless. Here's how to pay for anything anywhere.
Every shop, cafe, kiosk, market stall, and bus accepts card. Visa and Mastercard universally. Contactless works even for €0.50 transactions. Apple Pay and Google Pay widely accepted.
Almost not needed. A few small markets or food trucks may prefer cash. ATMs (Otto.) exist but are rarer than in many countries.
Finnish peer-to-peer payment app, very popular locally. As a tourist, you don't need it — card works everywhere MobilePay does.
Euro (€). No need to exchange from eurozone countries. From outside: ATM at the airport on arrival is the easiest way.
Not expected — see eating guide.
Common mistake
Carrying lots of cash — you don't need it and it complicates things.
Good to know
Public transport ticket machines and many restaurants now offer receipts by SMS or email.