First, a word of advice. I feel that keeping count of exact amounts of money the player characters have is mostly unnecessary, and if you can live with it, don’t bother to keep count. There’s another mechanism for seeing what the players can afford which I’ll present later.
In general, the world of LotN is sophisticated enough for currency. Barter exists mostly on a local level and in the northernmost reaches of the Baltic. There are a couple currencies worth mentioning that are, if not universally accepted, at least something people recognize almost everywhere.
The Kingdom of Peimar uses the silver mark, which is roughly worth one week’s pay for a farmhand. Peimar also mints copper pennies and gold marks, but gold marks are rarely seen anywhere. The silver coins have pictures of monarchs on one side and the heraldry of Peimar on the other side.
The Republic of Hanö uses the gold daler, which has been constantly devalued by debasing the gold used for minting. The gold daler is thus only about three times as valuable as the silver mark. Older, less debased dalers are frequently melted down for their gold since their material value is greater than their nominal value. Hanö also mints copper pennies like Peimar. Typically, Hanöan coinage has pictures of ships and boats on one side and the nominal value on the other side
Kirkoslet uses both a silver mark of their own and issues currency of their own in form of paper money known commonly as the Sletta. Slettas are issued for larger sums of money, and mostly used within the sphere of overseas trade.
The Gotland Union uses banknotes called kronas exclusively. Possession of coin is not illegal, but highly discouraged by the laws of Gotland.
The minor states of the Baltic region, such as the Pomeranian states, Revallin and Riga use different forms of coinage but these are frequently seen as having a lesser value than kronas, marks, Slettas or dalers. The Novgorodians use the rouble for their internal use and the Hanö daler for overseas trade but sometimes pay with gold coinage from lands to the south, which are accepted for their actual value.
Svea, Göte and Vende are still attempting to get their own national mints set up to issue coinage of their own. As of 2312, the situation is chaotic and not one of these three countries has actually managed to find real acceptance for their currencies.
The communities in former Norway have no mints of their own, so barter and actual value of coins is what’s used.
The confederacy of Dal Riada in former Scotland over the seas have a nominal unified currency in the Stirling, though it’s mostly accepted by the Crannogmen who oversee most of the trading in the confederacy. Inland communities have their own coinage and other currency systems. As of now, the Stirling is considered worthless in the Baltic region.