Estonia uses modern payment systems and offers convenient currency exchange options for travelers. The country is highly digitalized, with widespread acceptance of electronic payments and ATMs available in urban and rural areas.
- Official currency: Euro (EUR)
- Payment methods: Cash, credit/debit cards (Visa, Mastercard), and mobile payments are widely accepted. Contactless payments are prevalent in shops, restaurants, and public transport.
- Mobile wallets: Apple Pay and Google Pay are commonly supported. Alipay and WeChat Pay are less common.
- ATMs: Available throughout Estonia; most accept international cards. Major banks include Swedbank, SEB, and LHV.
- Currency exchange: Services available at banks, airports, and licensed exchange offices. Banks generally offer competitive rates.
- Foreign currency restrictions: Payments in foreign currency are not accepted; all transactions must be in EUR.
- Cash import/export limits: Amounts over EUR 10,000 (or equivalent in other currencies) must be declared to customs upon entry or exit.
- Transaction fees: Foreign card transactions may incur fees (typically 1–3%) and possible ATM withdrawal charges, depending on the card issuer.
- Payment issues: Some small businesses or rural areas may accept cash only. Always carry a small amount of cash as a backup.
- Regulations: Estonia follows EU anti-money laundering regulations. Large cash transactions may require identification and reporting.
