Sweden, a land of vast forests, crystal-clear lakes, and modern cities, offers a journey through nature, culture, and innovation. From the historic streets of Stockholm and the ancient Viking sites of Gotland to the stunning archipelago of islands and the wilderness of Lapland, Sweden is a country of contrasts and beauty. Navigating this Scandinavian gem requires an understanding of the local cash, cash and ATMs in Sweden and the available payment options. This guide will provide you with the financial insights needed to explore Sweden’s rich heritage and stunning landscapes with ease and confidence, ensuring a journey filled with unforgettable moments and the warmth of Swedish hospitality.
You may also enjoy reading Ultimate guide on how to travel on a budget in 2025.
Where can I find ATMs in Sweden?
There are more than 2,100 ATMs in Sweden.
You can find ATMs at:
- Major Airports,
- Market and town squares,
- Every major town has its main tourist streets.,
- Shopping Malls,
- Food lanes,
- Bank branches,
- Several corporate buildings.
It will be difficult to find ATMs in:
- Small airports,
- Islands,
- Regional bus stops,
- Interior of the villages,
- In small towns, off the main roads,
- Remote resorts and retreats.
Best ATMs to use in Sweden for foreigners
The best ATMs for foreigners to use in Sweden are those owned by popular banks such as:
Danske Bank,
Nordea,
Handelsbanken,
SEB, and
Swedbank.
Don’t accept conversion at ATMs and withdraw only in local currency
In Sweden, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in SEK).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Sweden, select ‘Decline/Without’ Conversion or ‘Charge in SEK’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Sweden?
Yes, many foreign debit and credit cards are widely accepted at ATMs in Sweden. ATMs commonly accept Visa and Mastercards. Some of them also accept Plus and Cirrus cards. Only some accept American Express, Diners, Discover cards. Others like CUP, JCB, Maestro or Rupay cards are usually not accepted.
For a detailed guide, read Money and Currency in Sweden.
What are the ATM opening hours?
ATMs – In most cases, yes, they are open around the clock, every day of the year 24×7. You should have no trouble getting to any of them at any hour of the day or night because many of them are self-contained ATMs. Depending on the location, some bank branches may only be open from 9 am to 3 pm.
What do they call ATMs in Sweden?
The term ‘Bankomat’ is widely used, and signage includes the bank name with or without the word ‘ATM’. Bankomat is a shared ATM network owned by five banks: Nordea, Handelsbanken, Swedbank, SEB, and Danske Bank.
PIN type
ATMs in Sweden typically accept 4-digit PINs.
To swipe, chip-and-PIN cards are standard, and magnetic stripe cards are being phased out.
Languages at ATMs in Sweden
ATMs and currency exchanges in Sweden offer two language options by default: Swedish and English. If you don’t understand these languages, you can use Google Translate’s camera to translate the options on your phone in real-time. Remember that these translations are not always completely accurate, so don’t rush through the transaction.
If you cannot understand these languages, it’s fine. Use the camera feature of Google Translate to translate the selections on your phone in real time! Note: Because these translations are not always accurate, please take your time and finish the transaction without haste.
Do ATMs in Sweden work similarly as other countries?
Yes. The ATMs are modern in appearance and operation, similar to those in the US, UK, Europe, Australia, and India. Some of them take your card completely inside during the transaction, so remember to take it after withdrawing cash from such ATMs.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in Europe.
What currencies can I withdraw from ATMs in Sweden?
ATMs in Sweden dispense only the official currency Swedish Krona (SEK).
ATM withdrawal limits in Sweden?
ATMs in Sweden have a maximum withdrawal limit per transaction of SEK 2,000 (Swedish Krona) for most types of cards (Visa, Mastercard, etc.) Amex cards usually have a withdrawal limit of up to SEK 5,000 in one transaction.
ATM Fees in Sweden?
There are many fee-free ATMs in Sweden. Majority of the Bank ATMs in Sweden do not charge any ATM Access Fees per transaction to foreign card holders (Swedish Krona). Non-bank ATMs charge kr 30 to kr 50 per transaction ATM Fees. So, there are many fee-free ATMs you can use in Sweden as a foreign cardholder!
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Sweden – something every traveller handling cash in Sweden should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Sweden?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Sweden?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Sweden. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Sweden.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Sweden ATMs?
In general, Yes. many ATMs feature cameras. Crime rates near ATMs are low.
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Sweden takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There are many fee-free ATMs in Sweden. Majority of the Bank ATMs in Sweden do not charge any ATM Access Fees per transaction to foreign card holders (Swedish Krona). Non-bank ATMs charge kr 30 to kr 50 per transaction ATM Fees. So, there are many fee-free ATMs you can use in Sweden as a foreign cardholder!
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Sweden?
Yes. ATMs in Sweden typically accept credit cards from the United States, United Kingdom, Europe, Australia, and other countries.
Bitcoin ATMs?
Yes, there are several Bitcoin ATMs, especially in Stockholm.
Foreign bank ATMs’ in Sweden
Bank of America: There are no Bank of America ATMs in Sweden.
Citibank: None.
Barclays: There are no Barclays ATMs in Sweden.
HSBC: There are no HSBC ATMs in Sweden.
Standard Chartered: There are no Standard Chartered ATMs in Sweden.
