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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When does the digital euro pilot start?
The Bank of Finland announced on 14 July 2026 that the Eurosystem's digital euro pilot starts in the second half of 2027 and lasts 12 months.
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Must online services have a withdrawal button in Finland?
Yes.
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What are the new rules for consumer credit advertising in Finland?
The rules for marketing consumer credit tighten on 20 November 2026.
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Can you ask why a loan was refused in Finland?
Yes, from 20 November 2026.
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What changes for buy now, pay later in Finland in November 2026?
From 20 November 2026, Finland applies the new EU Consumer Credit Directive.
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What does the Finnish Consumer Advisory Service do?
The Consumer Advisory Services, part of the Finnish Competition and Consumer Authority (KKV), give instructions, advice and mediation in disputes between consumers and companies.
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What must a Finnish receipt show?
The Act on the obligation to offer a receipt sets what a receipt must contain.
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Do market stalls have to give a receipt in Finland?
Not always.
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Must shops give a receipt in Finland?
Yes.
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When can late payment interest start on a bill in Finland?
According to KKV, late payment interest may start right after the due date if it was agreed in advance.
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Must currency conversion fees be shown before you pay by card?
Yes.
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Do gift vouchers expire in Finland?
Gift vouchers usually have conditions set by the company, including the validity period.
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Where can you get help with a bank or insurance dispute in Finland?
Contact FINE (Vakuutus- ja rahoitusneuvonta).
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Where can you get free debt advice in Finland?
Financial and debt counselling (talous- ja velkaneuvonta) gives free advice on everyday money matters and debts.
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What is the average interest rate on new household loans in Finland?
According to the Bank of Finland, the average interest rate on new household loans drawn in May 2026 was 3.91%, 0.37 percentage points higher than in May 2025.
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Are Finnish mortgages tied to Euribor?
Yes, nearly all.