Matkakortti (Travel Card)

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; period tickets from approximately 62 euros/month for zone AB

• •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)

Related terms

• •Joukkoliikenne — public transport systems

• •Juna — trains, which accept HSL cards within the commuter zone

• •Polkupyora — cycling as an alternative transport mode