We thought that when we got to Finland, where euros are the currency, that we would go to an ATM to get some cash. However we have been in Finland now for five days and have yet to see an ATM. Believe me, we have been looking.
According to wise.com:
In recent years, cash has actually become increasingly rare in Finland as more and more shoppers switch to plastic. That’s good news if you plan to use a credit or debit card there, but makes things tricky if you want to have cash on hand while you visit. ATMs are slowly disappearing in Finland. As credit and debit cards have increased in use and popularity and cash has become less and less common, banks have closed some of their rural branches, and when the banks go, so do the ATMs. That means finding an ATM in Finland isn’t as easy as it once was.
So we have been using our credit cards for EVERYTHING, even very small purchases.
Yesterday we checked out of the Hotel Clarion Helsinki and lugged our suitcases onto the tram to move to the Solo Sokos Hotel Helsinki, right in the middle of downtown. Because we could not check in until 3:00 pm, we dropped off our luggage and walked around the central city looking for souvenirs to bring home.
We met our fellow travelers from Gate 1 for an orientation meeting and dinner. This is a big group—42 of us in all—and we are all from the United States; Bill Potter and I are the only ones from Hawaii. Our tour manager is Inger, from Estonia.
After breakfast in the tour hotel, we met a local guide, Jola, for a walking tour then took a tour of the Helsinki Central Library Oodi. You wouldn’t think a library would be so interesting, but the one in Helsinki is really a community center. In addition to borrowing books, you can also borrow musical instruments, a sewing machine, computers, play video games, or use the music studio to create your own compositions. I was duly impressed!
Helsinki Central Library Ood 
A place to play chess. 
Large scale plotter is available to use. 
Need to try out a musical instrument? 
A robot returns the books to the librarian. 
3-D printer is available to use. 
Need a sewing machine? 
Barack Obama’s book. 
Michelle Obama’s book. 
A sloped walkway leads to a highpoint. 
Recycling bins.
In the afternoon we took a ferry boat ride to Suomenlinna Sea Fortress, an 18th-century sea fortress spread across six fortified islands just 4 kilometers southeast of Helsinki’s Market Square. Designated a UNESCO World Heritage Centre site, it features 6 kilometers of stone walls, old cannons, and tunnels, while functioning as a vibrant local district for about 850 residents. This was a very picturesque island and we enjoyed the cool, clear weather.
