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Financial issues

The cost of living in Finland is on average comparable to the rest of Europe. In this section you will get a glimpse of what kind of budget you should expect.

You have to be aware of that it is extremely difficult, if not impossible for an international student who does not know any Finnish to get a part time job in small cities like Kokkola, Ylivieska and Pietarsaari. Therefore it is crucial that you have taken care of your financial issues so that you can afford to stay in Finland even if you will not get any job during your studies.

Basically, for expenses such as rent, food and personal costs, you will need approximately 560 Euros per month, that is 12 x 560 = 6 720 Euros for ONE year.




180 - 280 Euros


120 - 170 Euros

Books, equipment and materials

50 Euros

Leisure, other personal costs

85 - 150 Euros


435- 650 Euros


Please note that this doesn’t include your travel from your home country nor any private travel in Finland. To these costs, you can also add the purchase of a second hand bicycle (around 100 Euros), the purchase of bed clothing, curtains and kitchen equipment for your apartment.



Banks are usually open Monday to Friday from 10.00 till 16.30. Money can be exchanged at any bank in Finland although it is wise to exchange large amounts at a time to avoid service charges. Major credit cards are generally accepted everywhere in Finland.

International students can open an account in any bank in Finland by presenting one valid ID (passport) and a certificate showing that the student is enrolled to Centria UAS. To open an account, you need to visit the bank branch in person.

Cash Machines (ATM) in Finland are called OTTO, and they are easily recognized by their orange colored signs:



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