I need to take out quite a bit of cash during my trip. Anyone know cheapest ATMs & daily withdrawal limits for foreign cards at Finland ATMs?
The only downside in Finland is withdrawal limits. My HSBC debit at Nosto was capped at €300, which was lower than expected. While there were no local fees, my home bank added one, so I ended up paying extra for multiple transactions. Independent ATMs at airports sometimes charge €2-3, which isn’t terrible but avoidable. Best advice: stick with Otto or Nosto, withdraw the maximum, and rely mostly on cards since Finland is practically cashless.
Finland was super easy for cash. My Monzo Mastercard worked perfectly at Otto ATMs in Helsinki, letting me withdraw €400 with no local fee. Nosto also accepted my Revolut Visa. Honestly, I barely needed cash since Finland is almost entirely cashless - even market stalls and buses took cards. I withdrew once for souvenirs and small expenses, but everything else went through card. ATMs had clear English instructions, and the overall system felt modern and straightforward.
In Finland, the main ATM networks are Otto and Nosto, both of which accept foreign cards. I used my Wise Visa at an Otto ATM in Helsinki, with a withdrawal limit of €400 and no local fee. Nosto also worked with my Revolut Mastercard, offering the same €400 cap. ATMs are common in cities but less frequent in rural Lapland, so withdraw in advance before heading north. Always reject dynamic currency conversion to GBP or USD to avoid bad rates.
Otto ATM in Finland located next to a pharmacy. Machine worked fine and location felt secure. Charged like 2 euros and then some extra per withdrawal