ATM Fees in Sweden
Swedish Krona (SEK) • Updated April 2026
Sweden is one of the world's most cashless societies. Cards accepted literally everywhere. Many businesses don't accept cash at all. ATMs rarely needed.
Tips for Sweden
- • Cards accepted EVERYWHERE
- • Many places don't accept cash
- • Swish is the local payment app
- • ATMs exist but rarely needed
- • Contactless standard
Airport tips
- • Airports are fully cashless-ready
- • No need for cash
- • Cards work for everything
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Sweden, per person.
Backpacker
Hostels, street food, public transport
SEK/day
≈ $67.50-143 USD
Mid-range
Hotels, restaurants, mix of transport
SEK/day
≈ $196-396 USD
Luxury
Premium hotels, fine dining, private transport
SEK/day
≈ $514-1,018 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Sweden.
Credit card acceptance
UniversalOne of the world's most cashless societies. Many places refuse cash.
You'll need cash for
- • Essentially nothing
- • Some rare market stalls
Cards usually accepted
- • Everywhere
- • Even public toilets
- • All businesses
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Swedbank | 0 SEK | 0% | Visa/MC rate | 0 USD | 300 | No fee |
| SEB | 0 SEK | 0% | Visa/MC rate | 0 USD | 150 | No fee |
| Nordea | 0 SEK | 0% | Visa/MC rate | 0 USD | 100 | No fee |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Swedbank | 0 SEK | 0% | Visa/MC rate | 0 USD | 300 | Best coverage |
| SEB | 0 SEK | 0% | Visa/MC rate | 0 USD | 150 | Good network |
| Nordea | 0 SEK | 0% | Visa/MC rate | 0 USD | 100 | Available |