Money in Estonia

Euro (EUR) — Estonia's currency since 2011, one of Europe's most cashless societies

Estonia adopted the euro in 2011, replacing the Estonian kroon. As a Eurozone member, there is no currency exchange needed for travelers arriving from other Eurozone countries. For those arriving with USD, GBP, CAD, or AUD, exchange is straightforward at banks and currency offices in Tallinn's Old Town and Ülemiste City. Rates at banks are generally fair; airport kiosks charge higher margins. Estonia consistently ranks among Europe's most digitally advanced economies — cashless payments are the dominant norm across the country.

ATMs widely available — Tallinn and main cities well-covered

ATMs (sularahaautomaadid) are plentiful throughout Tallinn, Tartu, Pärnu, and Narva. Major providers include Swedbank, SEB, LHV, and Coop Pank. Most ATMs accept international Visa, Mastercard, and Maestro cards without issues. In Tallinn Old Town and city centers, expect ATMs within easy walking distance. Saaremaa Island and more rural areas have fewer ATMs — withdraw cash in advance before traveling to remote regions or island accommodations. ATM fees vary by your home bank; local bank ATMs generally do not charge a usage fee.

Contactless payments everywhere — among the most cashless countries in Europe

Estonia is a world leader in digital payments. Contactless card payments and mobile wallets are accepted almost universally — supermarkets, restaurants, taxis, pharmacies, museums, and even market stalls in Tallinn's Old Town. Apple Pay and Google Pay work seamlessly on Estonian terminals. Many businesses actively prefer card payments; some smaller cafés or street vendors are card-only. Estonia's fintech pedigree is real — Wise (formerly TransferWise) was founded by Estonians — and app-based banking like Revolut is extremely popular among locals. Visa and Mastercard are accepted everywhere; American Express has limited acceptance at smaller establishments.

Carry some cash for markets, rural areas, and smaller islands

While Estonia is largely cashless, some smaller markets, rural guesthouses, and ferry routes to minor islands may prefer or require cash. Tallinn Old Town's outdoor market and artisan stalls mix card and cash. Budget for Tallinn: midrange restaurant meal €15–30, coffee €3–5, tram/bus ticket €2, day pass €5. Tallinn Old Town tourist area is pricier; Kalamaja and Telliskivi neighborhoods have excellent local cafés and restaurants at lower prices. Saaremaa Island thermal spas and smaller hotels may not always accept all international cards — confirm in advance.