How many ATMs are there in Finland?
How easy it is to find a cash machine in Finland.
Short answer
At the end of 2025 Finland had 1,675 ATMs, compared with 1,578 at the end of 2024. The figures come from the Bank of Finland and are quoted in the Financial Supervisory Authority report on basic banking services. Cash machines are easy to find in city centres, shopping centres and airports, but sparse in rural areas.
Why
- The FIN-FSA report gives 1,675 ATMs at the end of 2025.
- The same report shows 1,578 ATMs at the end of 2024.
- The data on ATMs comes from the Bank of Finland.
Details
In Finland an ATM is often called Otto, after the most common network. Withdrawals with a Finnish card are usually free, while foreign cards may be charged a fee by the ATM operator.
Tip
Withdraw cash in a city before you head to the countryside or Lapland, where ATMs are far apart.
What may differ
The number of ATMs can change from year to year. The figures above are for the end of 2025.
Common misconception
There are no ATMs left in Finland.
What actually happens
There were 1,675 ATMs at the end of 2025, more than a year earlier.
People also ask
- Do ATMs charge fees in Finland?
- Can a shop refuse cash in Finland?
- Are there ATMs at Helsinki Airport?
Sources
This answer is for reference only. Payment rules and fees change, so check the official sources or your bank before you pay.
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.