ATMs widely available. Credit cards accepted in most hotels and restaurants.
Cash & ATMs
The simplest and usually cheapest way to get money in Sweden is by accessing your account using an ATM card from your home bank. Bankomat ATMs are found adjacent to many banks and around busy public places such as shopping centres. They accept major credit cards as well as Plus and Cirrus cards.
Sweden uses the krona (plural kronor) as currency. One krona is divided into 100 öre.
Visa and MasterCard are widely accepted, American Express, Discover and Diners Club less so. Credit cards can be used to buy train tickets and on domestic ferries. Electronic debit or credit cards can be used in most shops; in fact, the trend is towards card-only transactions, and many places no longer accept cash.
If your card is lost or stolen in Sweden, you can block it by contacting your credit-card agency.
American Express (0771-29 56 00)
Diners Club (0774-24 24 24)
MasterCard (020-79 13 24)
Visa (020-79 56 75)
For current exchange rates, see www.xe.com.
Forex (0771-22 22 21; www.forex.se) is the biggest foreign money exchange company in Sweden, with good rates and branches in major airports, ferry terminals and town and city centres.
Tipping is rare and usually reserved for great service.
- Restaurants & Bars Not expected except with dinner – service is figured into the bill, but a small gratuity (10% to 15%) for good service is customary. Tipping bartenders is increasingly common.
- Taxis Tipping optional; most people add an extra 10kr to 20kr.
- Hotels Service is figured into the bill, but a small tip (around 10kr a day) for housekeeping is appreciated.
Banks around the country accept international brands of travellers cheques. They may charge up to 75kr per travellers cheque, so shop around and compare service fees and exchange rates before handing over your money.
In large cities, credit and debit cards can be used almost everywhere, and ATMs can be found every few blocks. Visa and MasterCard work everywhere, while American Express and Discover are less widely accepted. The default system uses cards with microchips; if your card has no chip or pin, ask the clerk to swipe it.
In small towns and rural areas, shops, restaurants, hostels and campgrounds are more likely to be cash only. Changing cash is convenient but relatively expensive, depending on the amount you change.
Keep a 5kr or 10kr coin with you, as many public restrooms charge a fee (even in petrol stations and department stores).