Money, cards and MobilePay
Finland uses the euro and most payments are made by card or phone. Which cards work, where cash is still needed, whether visitors can use MobilePay and whether to tip.
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What is strong electronic identification in Finland?
Info Norden explains that private persons in Finland can identify themselves electronically with online bank IDs, the citizen certificate or the mobile certificate.
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What is the reference number (viitenumero) on a Finnish bill?
Finnish bills usually show a reference number, viitenumero.
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How do foreigners get a Finnish personal identity code?
Finnish personal identity codes are granted by the Digital and Population Data Services Agency (DVV).
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Is there a limit on cash payments in Finland?
Not yet, but one is coming.
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Is the 500 euro note still valid in Finland?
Yes.
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Who pays if my card is used without permission in Finland?
The Finnish Competition and Consumer Authority explains that if you have acted with care, have not let anyone else use the card and have reported the loss without delay, you are not liable for unauthorised use.
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Can you withdraw cash at a shop till in Finland?
Yes.
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How much money do people in Finland lose to online scams?
Finance Finland, which collects data from banks, reports that fraudsters tried to steal 148 million euros from people in Finland in 2025, up from about 107 million in 2024.
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Can tourists use MobilePay in Finland?
In most cases, no.
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Should I pay in euros or my home currency in Finland?
You can choose.
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Can a shop refuse cash in Finland?
Yes, it can.
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What is the contactless payment limit in Finland?
The usual limit for a contactless card payment in Finland is 50 euros.
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Does Finland round cash payments to 5 cents?
Yes.
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Can a company charge for a paper bill in Finland?
It can be allowed.
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How many people in Finland are in debt enforcement?
According to the National Enforcement Authority (Ulosottolaitos), private persons made up about 91% of all debtors in 2025, about 550,000 people, an increase of 4% from the year before.
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Has the digital euro been approved?
Not yet.