Cash is still alive, period. To withdraw it, you’ll need to find ATMs in Sweden and understand how they work. This article is your guide on completing the game side quest named “Sweden ATM exploration.”
Where to find an ATM in Sweden
Cash withdrawal limits
ATM fees
Accepted cards
EUR withdrawal
Crypto ATM
Deposit money in an ATM
What to do if an ATM eats your card
For those in a hurry—quick FAQ
How to transfer money from Sweden back home
Where to find an ATM in Sweden
For more guides check:
(1) ATMs in the EU,
(2) ATMs in Ireland,
(3) ATMs in Germany,
(4) ATMs in the UK.
The most obvious options are airports and tourist spots. If you don’t go around there often, maps and locators become your helping hand.
| Option | Description |
|---|---|
| Google Maps | Search “ATMs nearby” and set the route. Note that Google Maps misses a lot of ATMs in Sweden, so the list won’t be full. |
| Locators |
Each bank shares the addresses of its ATMs in Sweden. For example, check the closest machines here: SEB; Bankomat — a joint project of several banks; Danske. |
For tourists: Sweden is primarily cashless. Mobile wallets and cards are accepted in restaurants, shops and museums all around the country. However, mobile payments may not work in Swedish rural areas; here’s when the cash steps into the game.
Cash withdrawal limits in Sweden
There is no official cash withdrawal limit in Sweden. The maximum amount will depend on your account type and the ATM’s provider.
Your account
Check your account’s terms beforehand. They won’t change in another country. For example, the Wise ATM withdrawal limit in Sweden is up to 2,000 SEK and two transactions per month. After that, the fee of 1.75% applies.
Local bank
The ATM withdrawal limit in Sweden is usually somewhere between 2,000 and 5,000 SEK daily. Check the bank’s website in advance to plan your budget accordingly. ATMs in Sweden may run out of cash, but another machine should be close enough.
Swedish ATM fees
Now that we know about the ATM withdrawal limit in Sweden, what about the fees for foreign cards in Sweden? Again, it depends on your bank and the ATM type.
Fees from the ATM side
If you use a bank’s ATM in Sweden, most of the time you won’t be charged any fees. For instance, Bankomat usage is free for international operations. However, some companies like Forex and Nokas and non-bank ATMs in Sweden charge 30 to 50 SEK.
Your bank fees
Your bank may charge fees for international transfers or once you exceed the cash withdrawal limit in Sweden. Check in advance how much cash you can get.
How to pay less
Take notes and save money for extra coffee. Here’s how to minimise expenses:
- Say goodbye to dynamic currency conversion (DCC)
Dynamic currency conversion means that you can pay abroad in your local currency. However, you lose on exchange rates. Always choose to be charged in SEK, even if it’s an ATM fee.
- Search for Bankomat
Maybe you’ll need to walk extra 500m but avoiding fees will make you feel better. Bankomat’s offer is the most attractive one for foreigners.
- Less is more
If each transaction is charged, then it’s better to use an ATM in Sweden one or two times a month. Quite logical.
- Purchase one of the best credit cards for no foreign transaction fees
Check the list of some of the best credit cards for no foreign transaction fees that should work in Sweden:
- Capital One VentureOne Rewards Credit Card;
- Chase Sapphire Preferred Card;
- Bank of America Travel Rewards Credit Card;
- Barclaycard Rewards Credit Card;
- Halifax Clarity Credit Card.
Contact the bank for up-to-date details about these cards’ usage in Sweden. Note that we do not promote any certain card, this is an informative article, so before purchasing a new card check whether it fits your needs.
You can also pay less for overseas transfers. Use the fast and secure online service Profee for great exchange rates and low fees.
Which cards are accepted by ATMs in Sweden
Visa and Mastercard owners are lucky, as these cards are widely accepted in Sweden. Cirrus, Plus, Maestro, and AmericanExpress are also fine, but fewer ATMs accept them. Other cards are less common, so check in advance.
Obtaining more than one card is a way to secure and enjoy happy travel. You'll be flexible in ATM choices and can save on fees.
Note that your card should have a 4-digit PIN. You'll not be able to insert a 5 or 6-digit PIN.
A tip for first-time ATM users in Sweden: If you’re using an ATM in Sweden for the first time, don’t worry—it’s very straightforward. Most machines offer English and a few other language options right from the start. Always check your surroundings before entering your PIN, especially in busy or unfamiliar areas. Avoid standalone ATMs that aren't affiliated with a bank, as they often have higher fees. And if you're unsure about which button to press during a transaction, just cancel and try again. Many Swedes rarely use ATMs nowadays, but don't hesitate to ask a local for help if needed.
Can you withdraw EUR or only SEK?
In Sweden, the official currency is the Swedish krona (SEK), and that’s what you’ll get from local ATMs. It’s not possible to withdraw euros or other currencies from a regular Swedish ATM. If you need euros, go to a currency exchange office in major cities or airports. Keep in mind that withdrawing local currency is typically cheaper than exchanging at airports due to better rates.
Crypto ATM in Sweden
Oh, we’re getting to a hot topic. Crypto ATMs in Sweden are kiosks where you can buy crypto with cash. Not the other way around. How it works—use the QR code, pay and receive currency to your wallet.
Are there Bitcoin ATMs in Sweden?
According to coin ATM radar, there are no Bitcoin ATM locations in Sweden. It's normal in Europe, as the country with the most ATMs here is Spain, which has only 380 kiosks.
Previously, there were some Bitcoin ATMs in Sweden. The first one was launched in 2013. After that the politics towards cryptocurrency changed and most of the Bitcoin ATM locations in Sweden were removed.
How to deposit money in an ATM in Sweden
Depositing money in an ATM in Sweden is simple:
- Find it.
- Insert a card.
- Enter the pin.
- Choose “Deposit”.
- Add cash.
- Complete the transaction.
Voila!
There is no escape from limits, however. For example, SEB ATMs allow you to deposit up to 4000 EUR per month.
What to do if an ATM eats your card
While rare, it’s possible for an ATM in Sweden to retain your card, especially if you enter the wrong PIN multiple times or wait too long during a transaction. If it happens, don’t panic. Take note of the ATM’s location, time, and any reference number on the screen. If it's a bank ATM, go inside or call their support line immediately. For foreign cards, contact your bank right away and block the card to prevent misuse. Most banks will ship a replacement card to your address or a local branch in Sweden.
May be interesting: How to save on utility bills.
For those in a hurry—quick FAQ
Where to find ATMs in Sweden?
Use bank locators and Google Maps.
What are the withdrawal limits?
Depends on the ATM and your bank.
Are there fee-free ATMs?
Yes, search for Bankomat.
Are there bitcoin ATMs in Sweden?
According to coin ATM radar, no.
Can I deposit money in an ATM in Sweden?
Yes, but not in all.
Which card should I use in Sweden for an ATM?
Visa or Mastercard will be the most convenient options.
How to transfer money from Sweden back home
If you move to Sweden to study or work, ATMs are not the only thing to consider. Expats’ financial plan also includes sending funds back home. When choosing the right service, look for:
- Low fees;
- Fair exchange rates;
- Reviews and stories from fellow expats;
- Flexibility in transfer methods;
- Speed;
- Safety. Learn how to avoid transfer scams here.
Or save your time comparing and simply use Profee. This online service is the best friend for foreigners in Europe. Profee offers unmatched exchange rates and low fees, so you won’t lose money on conversion. You can send to over 90 destinations from Sweden in minutes. On top of that, Profee is a licenced service that values the safety of your data and money. Stay protected, savvy and calm with Profee transfers.
Conclusion
In this article, we explored ATMs in Sweden. Now you know more about the local cash withdrawal system and are ready to nail it. Consider getting one of the best credit cards for no foreign transaction fees to save more money. In Sweden, ATMs are convenient, and so are the Profee transfers! Enjoy them both.
