Finland, the "Land of a Thousand Lakes," is a breathtaking destination known for its serene landscapes, the magical Northern Lights, and vibrant cities like Helsinki and Tampere. Whether you’re exploring the picturesque wilderness, enjoying local Finnish cuisine, or visiting iconic landmarks, having a reliable financial solution is essential for a hassle-free trip. 

The official currency of Finland is the Euro (EUR), and you’ll need it for all your travel expenses. While carrying cash might seem convenient, it comes with risks like theft and high exchange fees, leaving you with less to spend and more to worry about. On the other hand, Forex cards are a smarter alternative, offering convenience, security, and cost-effectiveness. These prepaid cards allow you to load EUR and enjoy seamless transactions across Finland, making your travel experience stress-free.

In this blog, we will explore the best forex cards for Finland trip. We’ll cover features, fees, and benefits to help you choose the perfect card for your needs.

Note: Besides the Forex card, make sure to apply for your Finland visa, which is a mandatory requirement for Indians travelling to the country. 

What are the Best Forex Cards for a Finland Trip from India?

Here’s a curated list of the top 9 forex cards for your Finnish adventure:

1. AtlysX Multi-Currency Forex Card by IndusInd

2. DCB Niyo Global Card

3. BookMyForex Multi-Currency Forex Card

4. Thomas Cook Borderless Prepaid Card

5. HDFC Multicurrency Platinum ForexPlus Card

6. Orient Exchange Forex Card

7. Axis Bank Multi-Currency Forex Card

8. ICICI Multi-Currency Forex Prepaid Card

9. SBI Multi-Currency Foreign Travel Card

Detailed Overview of Each Forex Card

1. AtlysX Multi-Currency Forex Card by IndusInd

The AtlysX Multi-Currency Forex Card is a versatile and user-friendly option for travellers heading to Finland. It offers competitive rates and exceptional customer support, ensuring a smooth travel experience.

• Currencies Supported: 14 currencies, including EUR.

• Markup Fee: Zero for the first load; a 2% markup on subsequent reloads.

• Daily ATM Withdrawal Limit: $1,000 (or equivalent).

• Daily E-Commerce and POS Spending Limit: $10,000 (or equivalent).

• Customer Support: 24/7 global assistance via the Atlys app and [email protected].

2. DCB Niyo Global Card

The DCB Niyo Global Card is a single-currency card loaded in INR that offers zero forex markup for cost-effective transactions across Europe. You can also easily manage the card with the Niyo app, regardless of location. 

• Currencies Supported: INR (allows spending in EUR at no cross-currency charges).

• Joining Fee: Zero.

• Markup Fee: Zero.

• Annual/Maintenance Fee: Zero.

• ATM Withdrawal Fee (international): ₹425 + GST per transaction.

3. BookMyForex Multi-Currency Forex Card

The BookMyForex Multi-Currency Forex Card is another great multi-currency Forex card option for Indians travelling to Finland. It offers competitive exchange rates and the ability to reload funds quickly through the BookMyForex portal.

• Currencies Supported: 14 currencies, including EUR.

• Issuance Fee: Zero. 

• Reload Fee: Zero.

• ATM Withdrawal Fee: EUR 1.5 per transaction.

• Balance Enquiry Fee at ATMs: EUR 1 per inquiry.

• Daily ATM Withdrawal Limit: EUR 850.

• Daily Limit for POS, E-Commerce, Cash Advance, or Cash@POS: EUR 5,500.

4. Thomas Cook Borderless Prepaid Card

Thomas Cook’s Borderless Prepaid Card supports multiple currencies, including EUR, and offers unparalleled convenience, safety, and flexibility for those travelling to Finland or Europe. 

• Currencies Supported: 9 currencies, including EUR.

• Issuance fee: None.

• ATM withdrawal fee: approximately $3 or equivalent per transaction.

• Daily ATM withdrawal limit: $2000 or equivalent, depending on the currency.

5. HDFC Multicurrency Platinum ForexPlus Card

The HDFC Multicurrency Platinum ForexPlus Card offers locked-in rates, which shield you from currency fluctuations, making it a traveller’s favourite. The card also supports contactless payments via PayWave technology and provides 24/7 comprehensive assistance with emergency cash delivery services. 

• Currencies Supported: 22 currencies, including EUR.

• Issuance Fee: ₹500 + GST.

• Reload Fee: ₹75 + GST.

• ATM Withdrawal Fee: EUR 1.50 per transaction.

• Balance Enquiry Fee at ATMs: EUR 0.50 per inquiry.

• Daily ATM Withdrawal Limit: EUR 4,700.

6. Orient Exchange Forex Card

The Orient Exchange Forex Card is another reliable prepaid card that offers the convenience of carrying multiple currencies (including EUR) on a single card. With robust security features, online management options and global acceptance, it ensures safe and convenient transactions while travelling to Finland.

• Currencies Supported: Multiple currencies, including EUR.

• ATM Withdrawal Fee: Nominal fees apply.

• Markup Fee: Zero for supported currencies.

7. Axis Bank Multi-Currency Forex Card

Axis Bank's Multi-Currency Forex Card is also widely accepted in Finland and offers excellent service. With this card, you enjoy secure EMV transactions, 24/7 support and easy online management via Axis Bank's app. 

• Currencies Supported: 16 currencies, including EUR.

• Issuance Fee: ₹300 + GST.

• Reload Fee: ₹100 + GST.

• ATM Withdrawal Fee: EUR 1.69 per withdrawal. 

• ATM Balance Enquiry Fee: EUR 0.5 per enquiry. 

• Daily ATM Withdrawal Limit: $1,000 or equivalent.

8. ICICI Multi-Currency Forex Prepaid Card

The ICICI Multi-Currency Forex Prepaid Card offers reliable service, easy reloading options, and competitive exchange rates for your Finland trip.

• Currencies Supported: 15 currencies, including EUR.

• Issuance fee: Zero.

• ATM Withdrawal Fee: EUR 1.50 per withdrawal. 

• ATM Balance Enquiry Fee: EUR 0.50 per enquiry.

• Daily ATM Withdrawal Limit: EUR 1,500.

9. SBI Multi-Currency Foreign Travel Card

The SBI Multi-Currency Foreign Travel Card is one of the most budget-friendly forex cards for Indians travelling to Finland, as it allows you to lock in exchange rates when loading the card. 

• Currencies Supported: 7 currencies, including EUR.

• Issuance Fee: ₹100 + GST.

• Reload Fee: ₹50 + GST.

• ATM Withdrawal Fee: EUR 1.50 per withdrawal.

• ATM balance inquiry fee: None. 

• Daily ATM Withdrawal Limit: $10,000 (or equivalent).

How to Choose the Best Forex Card for Finland?

When selecting a Forex card for your Finland trip, consider these factors:

1. Currency Support: Ensure EUR is supported to avoid conversion fees.

2. Lock-In Exchange Rate: Opt for a card that locks rates at the time of loading.

3. Fees: Look for cards with low or zero markup fees and minimal ATM withdrawal charges.

4. Reload Options: Choose a card that allows quick and easy online reloads.

5. Customer Support: Opt for providers offering 24/7 global assistance.

Benefits of Using a Forex Card in Finland

If you're still unsure about using a forex card to manage your expenses in Finland, here are some key benefits:

1. Cost-Effective: Forex cards typically offer lower transaction fees compared to credit or debit cards, helping you save money on purchases and withdrawals.

2. Lock-In Exchange Rate: Most cards allow locking in exchange rates at the time of loading, protecting you from currency fluctuations during your trip.

3. Security: Carrying a Forex card reduces the risks associated with carrying large amounts of cash, as they are protected by PIN and chip technology and can be easily blocked if lost or stolen.

4. Wide Acceptance: Forex cards are widely accepted at ATMs, hotels, restaurants, and shops across Finland and Europe, providing you with convenient access to funds wherever you go.

5. Multi-Currency Use: Forex cards can hold multiple currencies, making them ideal for seamless travel across multiple destinations. 

Conclusion

The AtlysX Multi-Currency Forex Card by IndusInd stands out as the best Forex card for a Finland trip, offering excellent exchange rates and strong customer support. Other options like the DCB Niyo Global Card and the HDFC Multicurrency ForexPlus Card also provide great value.

Make sure to select the Forex card that aligns with your needs, and enjoy a worry-free trip as you explore the beauty of Finland!