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: |
Rantakatu
26, 80100 Joensuu |
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 17:00 (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 |