If you're planning to travel to Sweden, you might wonder if you have to carry Swedish kronor (SEK), or if you can use your debit card while sightseeing and shopping abroad. Holidays should be relaxing, not stressful — and preparing in advance will help you avoid any unpleasant surprises in Sweden.Read on to find out if you can use your debit card while in Sweden, which ATMs are available to tourists, if you risk being charged extra fees, and much more.
Can I use my debit card in Sweden?
Whether you’re traveling for business or pleasure, using a debit card in foreign countries like Sweden can come in handy — not only for convenience but also as an extra measure in case you run out of Swedish kronor. Generally speaking, many establishments in Sweden accept debit cards, especially cards affiliated with major international payment networks like Visa or Mastercard.
Are debit cards widely accepted in Sweden?
Debit cards have become increasingly popular and widely accepted in Sweden, especially in urban areas and tourist destinations. Many establishments, including restaurants, hotels, and retail stores, have card payment terminals that accept debit cards from major international networks like Visa and Mastercard.While the majority of Swedish cities and tourist areas typically accept debit cards, some smaller shops, local vendors, or remote locations might only accept cash, even though that's uncommon. Carrying some Swedish Krona for these situations is always a good idea.
Tips for using your debit card in Sweden
Follow our tips for a smooth and secure experience when using your debit card in Sweden:
- Before traveling to Sweden, notify your bank about your travel plans. This prevents your card from being flagged for suspicious activity, and you can access your funds without any fuss.
- Always carry some Swedish Krona for small purchases, street vendors, or establishments that only accept cash.
- When using your debit card or ATMs in Sweden, always opt to be charged in Swedish Krona to avoid higher exchange fees. The exchange rate offered by your bank will usually be a better deal than the rate at the ATM or card terminal, so it’s smart to pay in local currency.
- Keep your debit card secure, and always cover the keypad when entering your PIN.
- Use ATMs in well-lit and secure areas, such as banks or shopping malls. Withdraw larger amounts less frequently, and try to choose ATMs with lower withdrawal fees.
- Always check your transaction receipts and monitor your account activity regularly. Report any unauthorized transactions to your bank immediately.
Using ATMs in Sweden
Most ATMs in Sweden are equipped to accept international debit cards. These ATMs typically display logos of international card networks like Visa and Mastercard. When inserting your card, the ATM usually prompts you to choose your preferred language and transaction type. There are usually no withdrawal limits on Swedish ATMs—the daily or transaction limits are most commonly the ones set up by your home bank.Several banks in Sweden are known for being more accommodating to international cardholders, including Bankomat, SEB, Danske Bank, and Nordea. ATMs are everywhere, from bank branches to supermarkets and shopping malls.
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Foreign transaction fees to look out
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FAQs
Which debit card networks are accepted in Sweden?
Is it safe to use your debit card in Sweden?
Can I use my debit card to withdraw cash in Sweden?
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Is it safe to use ATMs in Sweden?
What should I do if my debit card is lost or stolen in Sweden?
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More about International Money Transfers
N26 gives you the real exchange rate and won’t charge currency exchange rates when paying abroad. Sign up to save on your next trip.
Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
Need to make a payment overseas? Check out our guide to foreign transactions and the fees that may come with them.
N26 gives you the real exchange rate and won’t charge currency exchange rates when paying abroad. Sign up to save on your next trip.
Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
Need to make a payment overseas? Check out our guide to foreign transactions and the fees that may come with them.
