How much cash should you keep at home in Finland?
Being prepared for disruptions in card payments.
Short answer
The Bank of Finland recommends that everyone keeps enough cash for 72 hours, so you can manage ordinary purchases on your own for three days if cards do not work. Taloustaito adds that it helps to have payment cards from two different banks and a mobile payment app. Large sums of cash should not be kept at home.
Why
- MTV Uutiset reports the Bank of Finland recommendation of cash for 72 hours.
- Taloustaito advises having payment means from two banks.
- Experts advise against keeping large sums of cash at home.
Details
Think about what you need to buy in three days: food, medicines and fuel. Keep the cash in small notes and in a safe place.
Tip
Combine the cash reserve with a home supply kit of food and water for a few days.
What may differ
The right amount depends on your household and needs. The recommendation is a guide, not a rule.
Common misconception
In a cashless country there is no point in keeping any cash.
What actually happens
The Bank of Finland recommends a small cash reserve for 72 hours.
People also ask
- How many people in Finland use cash regularly?
- Can a shop refuse cash in Finland?
- How many ATMs are there 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, 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.