ATM Fees in Finland
Euro (EUR) • Updated April 2026
Finland is virtually cashless. Cards and mobile payments accepted everywhere, including small kiosks and market stalls. Contactless and Apple/Google Pay widely accepted.
Tips for Finland
- • Cards accepted everywhere - cash rarely needed
- • Contactless payments are standard
- • Apple Pay and Google Pay widely accepted
- • Tipping not expected or common
- • Even small purchases can be made by card
Airport tips
- • Helsinki-Vantaa Airport is fully card-friendly
- • ATMs available but rarely necessary
- • All airport services accept cards
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Finland, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $81.70-158 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $204-385 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $479-934 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Finland.
Credit card acceptance
ExcellentOne of the most cashless societies in the world. Cards accepted virtually everywhere.
You'll need cash for
- • Rare flea markets
- • Some saunas
- • Emergency backup only
Cards usually accepted
- • Everywhere - all shops, restaurants, transport, taxis, markets, kiosks
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Nordea | €2-4 | 0% | Visa/MC rate | €2-4 | 100 | Largest Nordic bank |
| OP Financial Group | €2-4 | 0% | Visa/MC rate | €2-4 | 300 | Largest Finnish bank |
| Danske Bank | €2-4 | 0% | Visa/MC rate | €2-4 | 50 | Danish bank |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| OP Financial Group | €2-4 | 0% | Visa/MC rate | €2-4 | 300 | Best coverage |
| Nordea | €2-4 | 0% | Visa/MC rate | €2-4 | 100 | Major cities |
| Danske Bank | €2-4 | 0% | Visa/MC rate | €2-4 | 50 | Urban areas |