Personal Finance Canada

Scandinavia tips around 0%. It's just not in our culture. We have all reasonable wages as a basis. Also cash is almost gone here, everyone's paying either by card or some e-banking service (Swish, vipps etc.). There's no electronic way to actually tip anyone. Sure, some vendors have included a "tip" on their rfid card paying devices, but there's no actual way that tip goes to the personnel, it goes to the restaurant/service/owner.