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    How many places in Finland still accept cash?

    How common cash payments still are in Finland.

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    Short answer

    Most still do. Finance Finland refers to the European Central Bank SPACE study, which found that more than 80% of points of sale in Finland accept cash. Cards and phones are used for most payments, so cash is accepted widely but used less. Public sector services accept cash only to a limited extent.

    Practical: communication, money, services

    Why

    1. Finance Finland cites the ECB SPACE study: over 80% of points of sale accept cash.
    2. The same review notes that the public sector accepts cash only in a limited way.
    3. No law requires businesses to accept cash, so card-only places exist.

    Details

    Card-only places should tell customers in advance. Look for signs at the entrance or the till before you order.

    Tip

    A card is enough for most trips. A small amount of cash helps at markets, small kiosks and in remote areas.

    What may differ

    The share can change as more places move to cards. The figure is from a 2025 review.

    Common misconception

    Finland is completely cashless.

    What actually happens

    Most points of sale still accept cash, even though most people pay by card.

    People also ask

    • Can a shop refuse cash in Finland?
    • How many ATMs are there in Finland?
    • Do I need cash in Finland?

    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, services
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