My credit card keeps declining in Estonia and I have enough money on there and all international transactions are activated - what do I do?
From my visit, Estonia was very card-friendly. My Mastercard was declined once at a small kiosk, but worked in SEB and Swedbank ATMs without problems. Most places in Tallinn, Tartu, and even coastal towns accept contactless payments. Budget around €60 daily for meals, buses, and sightseeing. Keep €20 in cash as backup, but you’ll hardly need it. Estonia is one of the smoothest places in Europe for card payments.
Estonia is one of the easiest countries in Europe for card use, though I had one rejection at an LHV ATM. Everywhere else, especially in Tallinn’s Old Town, accepted cards with no issue. Public transport tickets, cafés, and even markets often take cards. Budget €55-65 daily if you’re sightseeing and dining out. Carry a little cash for rural areas, but otherwise you’ll be fine.
I had a strange experience in Estonia where my card declined at one Coop store but worked everywhere else. Swedbank and SEB ATMs never gave me issues. In Tallinn and Tartu, cards are widely accepted in hotels, restaurants, and supermarkets. Budget €60 per day for food, transport, and attractions like Kadriorg Palace. Don’t stress too much-Estonia is highly digital, but keep a bit of cash just in case.
Estonia is very digital, so card declines are rare, but they do happen. In Tallinn, one LHV ATM rejected my Visa, but SEB worked immediately after. Most shops, restaurants, and public transport are card-friendly. Daily budget of €50-70 covers meals, buses, and museum entries. Carrying €20-30 in cash is smart for smaller kiosks or countryside areas. If your card keeps failing, try a different network ATM.