Welcoming Guide
Finland
North Karelia, City of Joensuu
North Karelia Polytechnic
Student housing in Joensuu
Study&Living Expenses
Finnish state regulations
Health care and other social issues
Everyday issues
Transportation
Leisure activities and social life
Public holidays, Additional info
The Finnish way of life
A few words in Finnish
Contents in here


11. EVERYDAY ISSUES
11.1 BANKS AND CURRENCY
Opening a Bank Account
You are advised to open a bank account as soon as you arrive. Be prepared to show proof of your identity (e.g. passport) when opening the account. There is no fee for opening an account, but other services are usually liable to a charge. Please ask the bank for a price of a service package and list of other charges (e.g. international money transfers). Receiving money to your account from abroad will cost FIM 25-40, and sending an international money order costs FIM 50-90, depending on the bank and the form of transfer. Using the web bank is usually the cheapest method.
You will be given a bank card which will work in most cash dispensers/ATMs (otto/pankkiautomaatti/pikapankki) throughout Finland. All banks also have
special banking terminals (maksuautomaatti) for paying bills. Using them is much cheaper than paying bills at a bank desk.
If you lose your bank card, call 020 333, 24 h/day.

Merita
Siltakatu 10, at the Prisma and Pilkko shopping centres
http://www.merita.fi/

Sampo
Siltakatu 16
http://www.sampo.fi/

Joensuun Osuuspankki
Siltakatu 4, Niinivaarantie 52 (Suvitori), Puronsuunkatu 1 A
http://www.okobank.com/

Säästöpankki Optia
Kauppakatu 27
http://www.optia.fi (only in Finnish)

11.2 FIM and EURO
Until the end of 2001, the Finnish monetary unit is the markka, the Finnish Mark (FIM), divided into 100 pennies (100 penniä). Bank notes are in denominations of FIM 20, 50, 100, 500 and 1,000. The coins are 10 and 50 pennies, and FIM 1, 5, and 10. The Euro is the single currency of the countries participating in Stage Three of Economic and Monetary Union (EMU). It was introduced on 1 January 1999, the first day of Stage Three, when the 11 member states participating in the Euro area - including Finland - adopted the Euro as their single currency. The Euro will gradually replace national currencies during a three-year transition period, which already began on 1 January 1999. In connection with the introduction of
the Euro, the national currencies were irrevocably fixed against the Euro. The irrevocable conversion rates are used to determine the value of national currencies against the Euro. One Euro equals FIM 5.94573. Euro bank notes and coins will be issued on 1 January 2002. The Euro area national currencies will cease to be legal tender on 1 March 2002 at the latest.
For more information about the Euro and related matters, please consult the local banks and/or visit the web page of the Bank of Finland:
http://www.suomenpankki.fi/env/rhinden.htm ( - international cooperation).

11.3 POSTAL SERVICES

Main post office:
Branch offices:
Noljakka
Rantakylä
Niinivaara
Penttilä
Karsikko

Rantakatu 26, 80100 Joensuu

Noljakankaari 1, Ruokamarkkinat-store
Puronsuunkatu 1 A
Niinivaarantie 52
Mäntyläntie 12, Siwa store
Pohjolankatu 31, K-lähikauppa Pohjanneito-store

The main post office is open 9:00 - 20:00 from Monday to Friday. Branch post offices are usually open 9:00 - 18:00. Postal services in some areas are available in local stores which are open also on Saturdays. A stamp for a standard letter or postcard to Europe costs FIM 3.60. You can buy stamps at post offices, kiosks and some stores. Letters may be mailed at Post Offices or dropped into orange-coloured mailboxes throughout the city. Please check the collection times on the boxes!
Incoming mail is delivered to your address Monday through Friday. There are no deliveries on Saturdays, Sundays or on public holidays.

11.4 TELEPHONE, INTERNATIONAL CALLS
The telephone area code for Joensuu is 013 - (from within Finland) and +358-13- (from outside the country).
You can dial direct to most countries from Finland. There are nowadays several phone companies with varying prices for phone calls. The prices vary according to the time of day. For the list of countries, codes and charges, you should check the phone book. Calls made between 17:00 and 8:00 (5 pm. till 8 am.) and at weekends are usually charged less than the normal rates.
There are several international prefixes as well depending on the company you choose. Dial the international prefix 990 (Sonera), 994 (Telia), 999 (Finnet), 99500 (FaciliCom Finland) or 00 (pan-European code), the country code, the trunk code and the destination number. Note that the first number of the trunk code (often 0) is usually omitted.
International number enquiries: 020 208 (9.94 FIM/min. + local call)
International price enquiries (free of charge)
0800 134134 (Sonera)
0800 411041 (Telia)
0800 90999 (Finnet)
0800 50 99500 (FaciliCom Finland).

11.5 CALLS WITHIN FINLAND
For long distance calls within Finland, dial the area code (include the initial 0) and then the phone number. The telephone area code for Joensuu is 013 - (from within Finland) and +358-13- (from outside the country). A list of area codes can be found in the phonebook. Please note that an area code is always needed when using a mobile phone.
There are still a few telephone booths in Joensuu, most of which are cardoperated, requiring special phone cards. Please note that there are three kinds of phone cards - Telia, Avant, Sonera, each of which have telephone booths of their own. You can find telephone booths at least in hotels and restaurants. Phone cards are available at R-kiosks (all cards) and Post Offices (Sonera cards). Other student(s) living in your dormitory may already have a phone connected. Please make arrangements so that you can at least receive phonecalls on this phone. If you plan to rent a telephone line, please contact the local telephone companies:
Tikka Communications / Customer Service, Kauppakatu 17, tel. 0800-98838.
The cost for the line is FIM 450 + FIM 60 monthly.
Telekarelia, Rantakatu 23, tel. (013) 743 744. Opening a phone line is free at
the moment, with a basic service fee of FIM 38 monthly.
The cost of domestic calls depends on the time of the day. The most expensive times are 7:00 Œ17:00 (7 am. till 5 pm.) Monday through Friday. The cheapest rates are charged for calls made between 21:00 to 7:00 (9 pm. till 7 am.) every night. For domestic number enquiries, please call 118, but please note that there will be an extra charge.
Alternatively, you can open a mobile phone connection through several GSM operators/service providers in Finland (Sonera, Radiolinja, Telia, Dna). This can be done at any shops that sell mobile phones. A foreigner is required to pay a substantial deposit (usually 2000 FIM) in order to obtain their own sim card.

When buying Sonera's "GSM Easy sim card" no deposit is required, but the rates are a bit more expensive than normally. You can purchase GSM Easy sim cards at R-kiosks.
Second-hand mobile phones cost approximately FIM 300, new ones usually FIM 1 000 or more. If you already have a mobile phone bought in your home country, please note that there might be some difficulties in compatibility with Finnish simcards.

11.6 TV AND RADIO
There are five TV channels in Finland, three of which are available throughout the country. TV1 and TV2 are run by YLE, the Finnish Broadcasting Company, while MTV3, TV4 and SubTV are commercial. In addition, several international cable channels are available in most of the Joensuun Elli Student apartments. For further information, please contact the Joensuun Elli Student Housing Office. If you have a TV set, please note that there is an annual fee for using a television in Finland. You can also pay a television fee for three or six months.For information on television fees see
http://www.thk.fi/englanti/televisio/index.htm.

11.7 INTERNATIONAL PRESS
International newspapers and magazines are sold in local book stores and well equipped R-kiosks. Also, please use the opportunity to read international newspapers and magazines in Aurora and in the libraries (especially the city library and university library). There are also books in several languages on loan at the libraries.

11.8 INTERNET
Access to public computers equipped with Internet access can be found at public libraries, the Aurora International Meeting Centre, the Community Resource Centre (Kansalaistalo, http://kansalaistalo.jns.fi/) and Carelicum. Access to the Internet at the University and Polytechnic requires that you have a student login ID and password (the same used for your e-mail account access).

11.9 SHOPPING
The shops downtown are usually open at least from 9 to17:00 on weekdays and from 9 to13:00 (or even until 15:00) on Saturdays. Department stores and shopping centres keep their doors open from 9 to 21 Monday through Friday and from 9 to 18:00 on Saturdays. During the summer months and before Christmas, several stores (including Anttila, Citymarket, Sokos and Prisma) are open also on Sundays. Some small grocery stores are open on Sundays throughout the year. Most news agencies are open every day from 9 to 22:00.
Grocery stores usually advertise weekly or daily in the local newspapers or print separate newspaper editions delivered to your mailbox. This allows you to compare such things as food prices at different stores.

11.9.1 DEPARTMENT STORES
You can find groceries and other food items, clothes, kitchen utensils, magazines, cosmetics, etc. at the following department stores. Service in English is available.

Anttila
Citymarket



City Sokos
Prisma
Kauppakatu 30
Kauppakatu 16 (downtown) and Pilkko shopping centre (near Noljakka, about 5 km from the market place in the direction of Kuopio)
Siltakatu 6
Voimatie 2 (shopping centre)

11.9.2 BOOK STORES
Suomalainen kirjakauppa Kauppakatu 23 B, Siltakatu 10

11.9.3 FLEA MARKETS
Here are listed some of the more permanent flea markets. Please note that the opening hours vary.

Kansantori
Keskus-Jarmanka
SRP:n kirpputori (Finnish Red Cross)
Kirpputori (Lutheran Missionary Work)
Nostalgia kirppis Rihmankiertämä
Joensuun ykköskirppis
Pelastusarmeijan kirpputori(Salvation Army)
Uusiotori (Recycling center)
Kauppakatu 29, 2 nd floor
Kauppakatu 23 B, 2 nd floor
Yläsatamakatu 9
Kauppakatu 23
Wahlforssinkatu 18
Papinkatu 5
Suvantokatu 12
Penttilänkatu 7-9


11.9.4 MARKET PLACE (TORI)
Market Hall, food, local handicrafts
Mon-Fri 8 - 17:00, Sat 8-14:00
Open Market, farm products, seasonal products, crafts
Mon-Sat 7 - 14:00
In addition, there is a traditional, two-day open-air market (markkinat in Finnish) four times a year with the market place full of stands and people - definitely worth visiting.

11.9.5 LOCAL HANDICRAFTS
Joensuu Handicraft Centre Shop Siltakatu 20
Karjalaiset taitajat Market Hall

11.9.6 ALCOHOL
In Finland strong alcohol such as wine and spirits can be bought only in special shops called ALKO. Low-alcohol content drinks such as beer, cider, etc. are sold in stores, supermarkets, gas stations and kiosks. There are three ALKO stores in Joensuu:

Centre of Joensuu
Prisma shopping centre
Pilkko shopping centre
Kauppakatu 32
Voimatie 2
Linjatie 2