Currency & Payment

Estonia uses the euro (EUR, €), divided into 100 cents. Estonia adopted the euro in 2011, so no local currency conversion is needed if you already have euros. Estonia is highly cashless, with cards and mobile payments accepted almost everywhere, though it is still useful to carry a small amount of cash for rare exceptions.

Since Estonia uses the euro, travellers arriving with euros do not need to exchange money at all. If you need to convert another currency, withdrawing euros from an ATM (Pangaautomaat) usually gives reasonable rates. Exchange bureaus exist at the airport and in Tallinn, but rates vary, so compare before changing large amounts.

Cards are accepted virtually everywhere in Estonia, and contactless is the standard way to pay. Visa and Mastercard are universally taken. Estonia is one of the most cashless countries in Europe, so many shops, cafes and even small kiosks happily take cards, making a working card essential for a smooth trip.

ATMs in Estonia are called Pangaautomaat and are operated by local banks such as Swedbank, SEB, LHV and Luminor. They are easy to find in cities, stations and shopping areas. Watch out for foreign-card fees, and always decline home-currency conversion (DCC) to get the better rate.

Mobile payment is very common in Estonia, a leading digital society. Apple Pay and Google Pay are widely accepted and work almost everywhere contactless cards do. Local bank apps also support instant payments, but for visitors, adding your card to Apple Pay or Google Pay covers nearly all situations.

Tipping is modest and not obligatory in Estonia. In restaurants, leaving around 5-10% for good service is appreciated, and rounding up the bill is common. Tips are not expected in bars, cafes or taxis, so tip only if you are happy with the service.

Estonia is generally more affordable than Nordic neighbours, though Tallinn is the priciest part of the country. Eating out and drinks are reasonable by Western European standards. You can save with supermarket food, weekday lunch deals and by enjoying free attractions like the Old Town and nature areas.

Non-EU residents can claim a VAT refund on eligible purchases above a minimum amount. Estonia's standard VAT rate is 22%. Ask the shop for a tax-free form at the time of purchase, then have it validated by customs when you finally leave the EU. Conditions and a minimum spend apply, and the refund is paid via the tax-free provider.