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Finns use euros like most of the Western European countries. The euro is divided into 100 cents. The exchange rate between the euro and other currencies changes from day to day. For current exchange rates see the following: Current Sell/Buy Courses in Other Currencies
Note that the 1 and 2 cent coins are not in use. When paying in cash the sum is rounded to the closest 5 cent value. (Collector alert: Finnish 1 and 2 cent coins do exist, and can be purchased - at inflated rates - from shops that sell coins to collectors.)
Banks are open on weekdays from 10:00AM to 4.30PM. They are closed on Saturdays, Sundays, and public holidays. The word for 'bank' in Finnish is 'pankki'.
A very good network of ATMs exists in all inhabited areas throughout Finland. ATMs have instructions in both Finnish and in English. ATMs are marked with yellow signs that say 'OTTO'. (Caution: the police have issued advisories warning ATM users to be careful of people trying to peer over their shoulders to learn the PIN, and who then skillfully extract the ATM card from the user's pocket or purse to make their own hasty withdrawals.)
The most common credit cards used in Finland are Visa, Mastercard, Diners and American Express. Finns love to pay with bank cards. You do not see checks at all because people feel them old fashioned and too slow to use. Travelers checks can be changed in banks and in many hotels too.
One suggestion is to use a Visa card and cash. This duo is 100 percent sure way to allow you to pay everywhere.