Short answer: create a tip page in an app such as TipIns, add your IBAN, then print or show your QR code. Customers scan it with their phone camera and tip in euros by card, Apple Pay or Google Pay, with no app on their side.
Tipping is not expected in Finland. Service is included, wages do not depend on tips, and a tip, juomaraha, is a small thank-you for service that stood out. Because it is rare and spontaneous, it needs to be easy, and Finns carry very little cash.
What people tip in Finland
| Who | Usual tip |
|---|---|
| Restaurants | Not expected; round up for great service |
| Bars | Not expected |
| Taxis | Round up |
| Hotel porters | €1 to €2 |
| Street musicians | €1 to €2 |
How QR code tipping works
- You show or print your QR code.
- The customer points their phone camera at it. A secure web page opens. They need no app and no account.
- They choose an amount in euros and pay with Apple Pay, Google Pay or a card.
- The tip appears in your balance straight away and is paid to your bank account.
Setting up in Finland
- Create your account. Download TipIns and choose a username. You are asked for your legal name, date of birth and address, because payments are processed by Stripe and anyone receiving card payments must be identified.
- Add your bank account. Enter your IBAN. Tips are paid out in euros.
- Print your code. Export a design in business card, A5, A4 or A3 size, or show the code on your phone.
What it costs in Finland
| Item | Cost |
|---|---|
| Download and monthly fee | Free |
| Platform fee | 10% of each tip |
| Card processing | 1.5% plus €0.25 per tip for domestic cards. Cards issued abroad can cost more. |
| Who pays the fees | By default the customer covers them on top of the tip, so you receive the full amount. If they opt out, the fees come out of the tip. |
| Weekly payout to your bank | Free, once your balance reaches the minimum |
| Instant payout | 2% plus €0.25 |
Compared with what people use now
MobilePay is common in Finland but needs a local bank account. A QR code that takes any card, Apple Pay or Google Pay works for visitors and for locals with one scan.
Tips for a whole team
If tips are shared, create a group. The venue shows one QR code and each tip is divided between members, equally or by percentages the owner sets. With active shifts switched on, a tip is shared only between the people working when it arrives. Each person is paid to their own bank account, and every member can see how each tip was split. The methods are compared in how to split tips between employees fairly.
Tax and the law in Finland
Tips are taxable income in Finland. If you receive them directly from customers, you declare them yourself in your tax return.
This is general information, not tax or legal advice. Check with the Finnish Tax Administration (Vero) or a qualified adviser about your own situation.
Common questions
Is tipping expected in Finland?
Tipping is not expected in Finland. Service is included, wages do not depend on tips, and a tip, juomaraha, is a small thank-you for service that stood out.
How much does QR code tipping cost in Finland?
TipIns has no monthly fee. Each tip carries a 10% platform fee plus card processing of 1.5% plus €0.25 for domestic cards. By default the customer covers these, so you receive the full tip.
What bank details do I need in Finland?
You need your IBAN. Tips are paid out in euros.
Are tips taxable in Finland?
Tips are taxable income in Finland. If you receive them directly from customers, you declare them yourself in your tax return.
Do customers need an app to tip by QR code?
No. They scan the code with their phone camera and pay on a secure web page with Apple Pay, Google Pay or a card.