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- Glossary
Terveyskeskus: health center
Public municipal health center providing primary healthcare services to local residents in Finland.
...centres depends on your coverage, which our guide to health insurance for foreigners in Finland explains. Reimbursements for private care are covered in the Kela card guide. Related terms Care...
- Glossary
Tilisiirto (Bank Transfer)
The standard method of transferring money between bank accounts in Finland, widely used for rent, invoices, and everyday payments.
...need a Finnish bank account to pay rent, receive salary, and handle bills Reference numbers matter: Always include the reference number (viitenumero) when paying invoices, or your payment may not be...
- Glossary
Toimeentulotuki (Social Assistance)
Last-resort financial aid from Kela for residents in Finland who cannot cover basic living expenses through other means.
...permit applications or renewals consult Migri guidelines Application: Apply online through Kela's service or visit a Kela office; documents in English are often accepted Asset test: Kela considers...
- Glossary
Trade union: Finnish worker representation & legal support
An organization that can provide advice, legal help, and support for employees.
...collective agreements that often determine your salary minimums, working conditions, and benefits like holiday pay. Many unions are connected to unemployment funds (A-kassa), and membership often...
- Glossary
Tulovero: income tax
Tax paid on earned and capital income in Finland, including state and municipal components.
...tax resident, she must report this foreign salary on her Finnish tax return and may receive credit for taxes paid abroad. Key deductions that reduce your tulovero Commuting deduction - Travel...
- Glossary
TyEL: employee pension insurance in Finland
Employee pension insurance in Finland; employers arrange it for employees.
...is directly tied to your working history and salary levels. TyEL insurance is the mechanism through which private-sector employees accumulate pension rights. Every euro you earn contributes to...
- Glossary
Työeläketurvakeskus: Finnish Centre for Pensions (ETK)
The central body for Finland's earnings-related pension system, coordinating pension information and international agreements.
...(työeläke) is based on your work history and salary in Finland, managed by private pension insurance companies. The national pension (kansaneläke) and guarantee pension (takuueläke) from Kela...
- Glossary
Työlupa: work permit
Authorization to work in Finland, typically included in or associated with a residence permit.
...and employer in Finland defining job duties, salary, working hours, and terms
- Glossary
Valmistuminen: graduation
The Finnish graduation process, traditions, and what international students need to know about completing their degree.
...Supervisor): The academic supervisor assigned to guide master's thesis (gradu) work at Finnish universities Yliopisto (University): Research university in Finland offering academic degrees and...
- Glossary
Veronpalautus (Tax Refund)
The annual tax return and refund process in Finland, where Vero reconciles taxes paid with taxes owed and issues refunds or residual tax bills.
...a prepayment basis - taxes are withheld from your salary throughout the year based on your tax card (verokortti) rate. In the spring following each tax year, Vero sends you a pre-completed tax return...
- Glossary
Verotoimisto (Tax Office)
Local offices of the Finnish Tax Administration (Vero) where you can handle tax matters in person.
...your employer how much tax to withhold from your salary. Why it matters for internationals Getting your tax affairs in order is one of the first practical steps when starting work in Finland. You...
- Glossary
Vuokra-asunto (rental apartment)
Rental housing in Finland; understanding the rental market, tenant rights, and how to find accommodation.
...Prepare documentation: Employment contract, salary statements, ID, and references Act quickly: Good apartments in popular areas rent within days Rental agreement essentials Finnish rental...
- Glossary
YEL (Self-employed pension insurance)
Pension insurance for self-employed people; declared work income affects pension and some benefits.
...income (YEL-työtulo), which should reflect the salary you would pay someone else to do your work. This is not the same as your business profit or revenue. Setting your YEL income at an appropriate...
- Glossary
Yliopisto: university
Research university in Finland offering academic degrees and conducting scientific research.
...receives a doctoral researcher position with a salary, conducts original research, and after four years defends her dissertation to receive her doctorate. Finnish universities Multi-disciplinary...
- Articles
Driving in Finland
EU licences work in Finland while valid; convention-country licences for 2 years after you settle. Winter tyres 1 Nov to 31 Mar; drink-driving limit 0.5‰.
...Communications Agency Traficom's licence exchange guide. A licence from any other country lets you drive for one year after you are entered in the population register, and exchanging it always...
- Articles
Employment contract in Finland
An employment contract in Finland can be verbal, written or electronic; without one, the employer owes a written statement of terms within seven days.
...duration. The types of employment contracts guide compares the options. Minimum age A person aged 15 or over can make their own employment contract. A young person who turns 14 during the...
- Articles
Finland residence permit cost by application type
An employed person's first Finnish residence permit costs 750 euros online in 2026, an extension 230 euros and a permanent permit 380 euros, per Migri.
...any document, translation or travel expense. The salary floor behind the fee For a work-based applicant, the permit cost is the smaller number on the bill. Migri's employed person page states that...
- Articles
Health insurance for foreigners in Finland
Foreigners get Kela health cover by living in Finland permanently or earning 800.02 euros a month, and public client fees are capped at 815 euros in 2026.
...change. For a broader overview, see the guide to healthcare in Finland and the healthcare rights page. The law behind it Kela's national health insurance rests on the Health Insurance Act...
- Articles
International schools in Helsinki
ISH charges EUR 12,432 to 16,608 a year in 2026-2027; the European School and English School cost less, and Helsinki, Espoo and Vantaa run free English schools.
...a regular school. The childcare and family life guide covers children under school age. A practical timeline Move confirmed: shortlist schools in the city you will live in, since public...
- Articles
Public transport in Finland
Finland has no national transit ticket: HSL, Nysse, Föli and Waltti cities sell their own. An HSL AB single costs EUR 3.30 in the app in 2026.
...metro reaches Kivenlahti in western Espoo. The guide to transportation in Helsinki covers the city in more detail. Fares outside the Helsinki region Nysse's fare page and Föli's ticket page set the...