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Finland

Region Northern EuropeCurrency EURCode FI
STATUS IN FINLAND
Reading the status…

How it is written in Finland

Reading the formats…

How GRAJ works in Finland

Public and bank holidays 2026
Finland public holidays — computed by rule (Easter included), never typed in by year. Due dates, delivery days and payout dates skip them.
Thu 1 Jan 2026Uudenvuodenpäivä
Tue 6 Jan 2026Loppiainen
Fri 3 Apr 2026Pitkäperjantai
Mon 6 Apr 20262. pääsiäispäivä
Fri 1 May 2026Vappu
Thu 14 May 2026Helatorstai
Fri 19 Jun 2026Juhannusaatto · the country stops
Sat 20 Jun 2026Juhannuspäivä
Sat 31 Oct 2026Pyhäinpäivä
Sun 6 Dec 2026Itsenäisyyspäivä
Thu 24 Dec 2026Jouluaatto · the country stops
Fri 25 Dec 2026Joulupäivä
Sat 26 Dec 2026Tapaninpäivä
Five business days from today: Fri 13 Nov 2026.
A payout sent today reaches the bank
Wed 11 Nov 2026
Expected in your bank by Wed 11 Nov 2026. Stripe pays Finland bank accounts 3 business days after the money reaches your Stripe balance (not confirmed: Stripe gives 3 business days of settlement but counts a payout delay in this country in calendar days; we count business days, the later date, and your Stripe dashboard shows the exact day), and a payout due on a weekend or bank holiday arrives the next business day. Counted on Finland's bank holidays. Your bank may credit it sooner.
Measurements
Metric (kg, g, cm, ml). A 500 g listing reads 500 g; a 12 lb one reads 5.44 kg · 12 lb as listed. Each participant can choose either on their Account page.
An address, as a label prints it
1 Market Street
12345 Town
FINLAND
Cash at the till
Finland rounds cash to 5 cents (since 2002). A cash total of €10.02 is paid as €10.00 (rounding −€0.02, on its own receipt line). A card is always charged to the cent.

Trade law and tax

What GRAJ does about each rule in Finland, topic by topic. Open "Every topic, in detail" for each rule and its note. GRAJ computes, records and shows; it files nothing with any authority, and none of this is legal or tax advice.

Built 15Partial 19Missing 3Needs legal 4
2/5
Tax
2 of 5 built in Finland; 2 still partial, missing or with counsel.
1/4
Customs
1 of 4 built in Finland; 3 still partial, missing or with counsel.
2/2
Invoices
All 2 built in Finland.
0/2
Reporting
0 of 2 built in Finland; 2 still partial, missing or with counsel.
1/3
Work
1 of 3 built in Finland; 2 still partial, missing or with counsel.
7/15
Products
7 of 15 built in Finland; 8 still partial, missing or with counsel.
0/2
Labels and licenses
0 of 2 built in Finland; 2 still partial, missing or with counsel.
0/1
Packaging
0 of 1 built in Finland; 1 still partial, missing or with counsel.
1/2
Consumers and data
1 of 2 built in Finland; 1 still partial, missing or with counsel.
0/2
Moving and storing
0 of 2 built in Finland; 2 still partial, missing or with counsel.
1/2
Marketing
1 of 2 built in Finland; 1 still partial, missing or with counsel.
0/2
Money
0 of 2 built in Finland; 2 still partial, missing or with counsel.
Every topic, in detail
Tax2 of 5 built
Built
Sales tax / VAT / GST rates

Each member state's standard and reduced rates, OSS for cross-border consumer sales.

Not applicable
Local (city, county, district) rates

VAT is set by the member state; GRAJ holds no regional rate (the Canaries, Madeira and similar territories are not written).

Partial
Taxability by product category

Reduced-rate categories per member state where written in the rate table; others fall to the standard rate.

Built
Registration thresholds (nexus)

The small-business registration limit (EUR 20,000) and the EUR 10,000 OSS threshold.

Needs legal
Who collects (marketplace / deemed supplier)

EU deemed supplier (VAT Directive Art. 14a).

Customs1 of 4 built
Partial
Duty and tariff

EU TARIC at the heading level for the headings held.

Built
Low-value relief (de minimis)

Into the EU, import VAT is due from the first euro. The EUR 150 customs-duty waiver for low-value consignments was replaced on 1 July 2026 by a flat EUR 3 customs duty per item category on parcels under EUR 150 sent to consumers, until 1 July 2028. GRAJ does not charge it and does not add it to this estimate; it applies per shipment, and your basket ships as one order per seller.

Partial
Importer of record and customs numbers

EU EORI in the wizard and on the declaration.

Partial
Customs documents and Incoterms

The generic customs packet; no member-state-specific form is produced.

Invoices2 of 2 built
Built
Invoice legal fields

VAT Directive Art. 226 fields, the VAT in national currency at the ECB rate of the tax point (Art. 91(2)), country mentions where written (FR, IT).

Built
E-invoicing mandates

Finvoice produced from the issued invoice.

Reporting0 of 2 built
Missing
Information returns on people paid (1099, W-9/W-8BEN, T4A, B-income)

No payer return is written for this member state.

Needs legal
Platform reporting (1099-K, DAC7, UK MRDP, Canada)

DAC7 platform reporting: register in one member state, collect seller tax IDs and dates of birth, file by 31 January. The seller fields (TIN, address, date of birth for a person) are collected on Trade across borders and the yearly file is drafted as an admin export, never filed (lib/platform-reporting.ts, migration 2914) — registering and filing is Matt's decision (#139).

Work1 of 3 built
Needs legal
Worker classification

No member-state test is modeled; the EU Platform Work Directive is a decision.

Missing
Freelancer payment law (written terms, pay dates)

No member-state freelancer-payment rule is written.

Built
Late-payment law (B2B interest, fixed sums, term caps)

Viivästyskorko: statutory interest (the reference rate + 8 points), the fixed sum and the payment-term cap on an overdue B2B invoice — shown, never charged.

Products7 of 15 built
Built
General product safety

EU GPSR: the EU responsible person on every consumer category, listing safety details and DSA trader traceability. GRAJ's own Safety Gate registration is a decision.

Built
Food

The EU food label as a product document — FIC particulars naming the EU importer for food made outside the EU (Art. 8(1)), in the language of the country of sale — EU food business registration in the wizard, label languages per member state, allergens. Each member state's own registration authority is not written.

Partial
Non-alcoholic drinks (juice, soft drinks, levies)

The juice directive (2001/112 as amended by 2024/1438) as a product check on every juice, sugar and soft-drink taxes for the member states written (FI, NL, FR, IE, PT, BE, PL), deposits where a scheme is written.

Partial
Alcohol

EU excise authorization in the wizard; member-state excise not computed.

Built
Cosmetics

EU Responsible Person and CPNP notification as a product document.

Missing
Supplements

EU food supplements rules are not written.

Built
Apparel and textiles

The EU fiber composition label in the language of the member state where it is sold (Regulation 1007/2011 Art. 16(3)) and the GPSR responsible person as product documents — every member state answers to the EU market in lib/product-market-rules.ts.

Built
Toys and children's products

EU declaration of conformity (CE) as a product document.

Built
Electrical and electronic goods

CE declaration of conformity (LVD, EMC, RoHS) as a product document.

Partial
Furniture

No harmonized EU furniture law: the GPSR responsible person is asked of furniture; member states' own rules (fire, stability) are not written.

Partial
Chemicals and restricted substances

EU CLP label and SDS, EU REACH registration and the SVHC check as product items; CLP as amended by 2024/2865 is to confirm.

Partial
Pet food and animal feed

The EU pet food label and the importer's feed business registration as a product item (Regulation 767/2009 Arts. 11 and 17; 183/2005 Art. 9) — to confirm against each member state's feed authority.

Built
Machinery

The EU machinery declaration (CE) — Directive 2006/42/EC until Regulation (EU) 2023/1230 applies on 20 January 2027 — and the GPSR responsible person as product items.

Partial
Medical devices and health products

EU MDR (CE, authorized representative, importer, EUDAMED) as a product item — not re-read: to confirm.

Needs legal
Tobacco, vape, hemp and cannabis

EU excise authorization only; the position is a decision.

Labels and licenses0 of 2 built
Partial
Labeling and origin marking (incl. "Made in" claims)

Label language per country of sale; rules of origin for preferences.

Partial
Licenses, permits and restricted goods

EU registrations in the wizard; sanctions screening.

Packaging0 of 1 built
Partial
Packaging EPR and deposit schemes

The PPWR packaging data model on the product (Regulation (EU) 2025/40); this member state's own register is not written.

Consumers and data1 of 2 built
Partial
Privacy and data protection

On /privacy/where-you-live (linked from /privacy and every footer): GDPR rights, the complaint to your own authority, export and erasure. GRAJ's own EU representative (Art. 27) is not appointed yet — a paid service (#116).

Built
Consumer rights (cancellation, pre-contract information)

14-day withdrawal (Consumer Rights Directive), the exceptions, the model form.

Moving and storing0 of 2 built
Partial
Carrier authority and hazmat

EU community license as a carrier authority; the community license and ADR shown on LANES and LOAD TENDERS, marked to confirm; the member state's national permit is not written.

Partial
Warehousing (bonded, food holding, storage terms)

Bonded-warehouse papers and storage requests; customs warehousing under the Union Customs Code shown on CAPACITY, marked to confirm.

Marketing1 of 2 built
Partial
Advertising and endorsements (FTC, ASA/CAP, Competition Bureau)

On CAMPAIGNS and CREATORS: the Unfair Commercial Practices Directive with the Omnibus blacklist (hidden ads, fake reviews), marked to confirm per member state; green claims are a decision.

Built
Marketing email and anti-spam (CAN-SPAM, CASL, PECR)

Finland — EU ePrivacy (PECR as the default): Consent, or an existing customer told at the sale that they could refuse (the soft opt-in), for your own similar products.

Money0 of 2 built
Partial
Lending, financing and factoring rules

The request names its law; the Consumer Credit Directive (recast 2023/2225 from 20 Nov 2026) shown on OPPORTUNITIES and FINANCING, marked to confirm; member-state business-lending licenses are not written.

Partial
Payouts and KYC

Cross-border Connect payouts to the EEA; what each member state asks for named.

More in Northern Europe

TRADE IN FINLAND.

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Free to join. Participants keep 95% of every transaction; GRAJ takes 5%. Built for 195 countries — payments live in the United States.