Most Finnish homes are heated by electricity - gas cookers and heating are now becoming quite rare. In the cities and towns, most homes have district heating systems, in which electricity and heat production are combined.

The Finnish electricity market has been deregulated and there is a wide choice of suppliers. The largest electricity companies include Helsingin Energy, E.ON, Vattenfall and Fortnum.

Water supply charges are often included in the monthly rents for Finnish rental properties.

Most people pay their utilities bills using internet banking or a touch-tone telephone service.