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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How many commemorative 2-euro coins can a country issue each year?
Usually two per year.
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What are Finland's 2-euro commemorative coins in 2026?
Finland issued two 2-euro commemorative coins in 2026.
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How many people answered the ECB survey on new euro banknotes?
About ten million people.
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Is a Finnish design among the new euro banknote finalists?
Yes.
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What is the virtual barcode on a Finnish bill?
Finnish bills often show a bank barcode.
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Can a company refuse a bank account from another EU country?
No.
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Can you get a direct debit refunded?
Yes.
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Can a hotel or car rental block money on your card?
Yes, within limits.
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What is the Consumer Disputes Board in Finland?
The Consumer Disputes Board (Kuluttajariitalautakunta) resolves disputes between consumers and businesses.
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Who helps with a dispute with a seller in another EU country?
Contact the European Consumer Centre (ECC) in your country of residence, not in the seller's country.
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What if an online store does not refund you after you cancel?
When you withdraw from an online purchase, the seller must refund the payment at the latest within 14 days of receiving your withdrawal notice, KKV explains.
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Does paying by credit card protect a purchase in Finland?
Under the Consumer Protection Act, the seller and the creditor have joint liability when a consumer pays for a purchase on credit, KKV explains.
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How long does a payment default entry stay in Finland?
Under the reform that took effect on 1 December 2022, payment default entries are generally stored for 3 years, and consumer credit defaults for 2 years.
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How long before a consumer debt expires in Finland?
According to KKV, most debts become time-barred three years after the due date, unless the creditor interrupts the limitation, for example by sending a reminder or a demand.
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How much can debt collection cost a consumer in Finland?
Finnish law caps collection costs for consumer debts.
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What themes are planned for the new euro banknotes?
The ECB chose two possible themes for the next series: European culture and rivers and birds.