Do you have to accept a gift card instead of a refund in Finland?
Your options when a product is faulty, and when a gift card is fine.
Short answer
If the product is defective, no. The Finnish Competition and Consumer Authority says you do not have to accept a gift voucher as compensation for a defect. The seller should first repair or replace the product, and if that is not possible, you can ask for a price reduction or cancel the sale. If the product is not defective and you simply want to return it, the shop decides its own policy and may offer a gift card.
Why
- KKV says you do not have to accept a gift voucher as compensation for a defect.
- KKV lists repair, replacement, price reduction and cancellation as remedies.
- The Consumer Disputes Board has stated that a gift card is legally a debt of the company.
Details
When you buy a gift card, check how long it is valid and what it can be used for. Terms differ between companies.
Tip
Keep the receipt and photos of the fault, and make your complaint in writing.
What may differ
Returning a working product in a shop is not a legal right in Finland. It depends on the shop.
Common misconception
A shop can always settle a complaint with a gift card.
What actually happens
For a defect, you can refuse a gift card and ask for a proper remedy.
People also ask
- How long is the legal guarantee for goods bought in Finland?
- How long can you cancel an online purchase in Finland?
- What does the lowest price in 30 days mean?
Sources
This answer is for reference only. Consumer rules can change and cases differ, so check KKV or the Consumer Advisory Services.
Practical: communication, money, servicesRelated questions
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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.
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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.

