Money in Sweden

Swedish Krona — Sweden Is Nearly Cashless

The Swedish krona (SEK) is the official currency. Sweden is one of the most cashless societies in the world — many businesses, public transport, and even some museums no longer accept cash at all. Cards, contactless, and Swish (mobile payment) are the dominant payment methods.

ATMs Exist But Are Declining in Number

Bankomat ATMs (Sweden's main ATM network) exist in cities and larger towns, but the network has been shrinking as cash use declines. In Stockholm, Gothenburg, and Malmö, finding an ATM is straightforward. In rural areas, plan ahead — some areas have no ATMs within reasonable distance.

Cards and Contactless Are the Standard

Visa and Mastercard are accepted virtually everywhere. Apple Pay and Google Pay work seamlessly across Sweden — at transport terminals, cafes, shops, and restaurants. Even street markets typically accept card payments.

Cash May Be Refused — Check Before Expecting It Works

Unlike most countries, Sweden has businesses that legally refuse cash. Do not assume cash will be accepted. Always carry a card. If visiting rural areas, a small amount of SEK is useful as a backup.