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Except if you are a Finnish person who lives right next to Sweden (SEK) and Norway (NOK) who are not using Euro (and Russia but that's a different story).

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I live in Sweden at the border of Finland and there's very little issues with crossing the border and paying in another currency.

Was it any easier when Finland was using the markka?

Back in the late 80s, when you wanted to convert your foreign currency to markka, you had to go to a bank and fill out a form. Much friction.

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