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WorkUpdated: March 10, 2026

Matkakortti (Travel Card)

Rechargeable travel cards used for public transport in Finnish cities, offering discounted fares.

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A rechargeable smart card used for paying public transport fares in Finnish cities at discounted rates.

What it means

Matkakortti is a travel card that stores either a period ticket (season pass) or stored value for paying public transport fares. Each city or region has its own card system - HSL card in Helsinki, Nysse card in Tampere, Foli card in Turku, and so on. The card provides significantly cheaper fares compared to single tickets. You load either a period pass (for unlimited travel during a set timeframe) or money value that is deducted per trip. Cards can typically be purchased from service points, R-kiosks, or ordered online.

Why it matters for internationals

Getting a travel card is one of the first practical steps when settling into a Finnish city. The savings compared to single tickets are substantial - often 30-50% cheaper per trip. Period tickets are especially economical for daily commuters. Many internationals initially rely on mobile tickets, but switching to a travel card pays off quickly if you use public transport regularly. Student and senior discounts are available with proper identification.

Key details

  • HSL card: Covers the Helsinki metropolitan area; the 30-day ticket for zone AB costs 73.90 euros
  • Student discount: Up to 50% off with a valid Finnish student card (Frank or Slice)
  • Loading options: Online, at ticket machines, R-kiosks, or HSL service points
  • Mobile alternative: Most cities now allow phone-based tickets through their apps, though cards often offer better per-trip rates
  • Transferability: Cards are personal (with photo for discounts) or bearer (transferable but no discounts)

Our guide to public transport in Finland compares ticket options across Finnish cities.

Related terms

  • Juna: trains, which accept HSL cards within the commuter zone
  • Polkupyora: cycling as an alternative transport mode

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