Sweden Travel Money Guide
Navigate Sweden's cashless society and tipping culture like a local
Swedish Currency Basics
Sweden uses the Swedish krona (SEK), symbolized by "kr." Despite being an EU member, Sweden has chosen to keep its own currency rather than adopt the euro. One krona is divided into 100 öre, though physical öre coins are rarely used in daily transactions.
Tipping Culture in Sweden
Sweden has a refreshingly straightforward approach to tipping: it's not expected, but it's welcomed. Service charges are typically included in prices, and workers earn fair wages, so you're never obligated to tip.
Service Type | Expected Tip | When to Tip | |
|---|---|---|---|
| 🍽️Restaurants | 5-10% or round up | For good service only | |
| 🍺Bars | Round up to nearest 10kr | Optional | |
| 🚕Taxis | Round up fare | If helpful with luggage | |
| 🏨Hotels | 10-20kr per bag | For porters only | |
| 🗺️Tour Guides | 50-100kr | For exceptional tours | |
| ✂️Hairdressers | 5-10% | Appreciated but rare |
I was worried about tipping in Stockholm, but my server actually seemed surprised when I offered extra. They were genuinely appreciative but made it clear it wasn't necessary.
Daily Costs in Sweden
Sweden is known for being expensive, but understanding typical costs helps you budget effectively. Prices vary significantly between Stockholm and smaller cities.
Payment Methods & Cards
Sweden's cashless revolution means cards and mobile payments reign supreme. Even street vendors and public restrooms often only accept digital payments.
Mobile Payment Apps
Swish is Sweden's dominant mobile payment app, but it requires a Swedish bank account. As a visitor, stick to international cards and contactless payments, which work everywhere Swish is accepted.
Getting Cash (If You Need It)
While you'll rarely need cash, some situations might require it. ATMs (called "Bankomat") are available, though becoming less common.
Money-Saving Tips
Sweden doesn't have to break the bank if you know where to save:
Understanding Swedish Prices
All prices in Sweden include VAT (called "moms"), so what you see is what you pay. Restaurant prices include service charges, which is why tipping isn't expected.
Sample Costs:
- Coffee: 30-45kr
- Beer (restaurant): 60-90kr
- Subway sandwich: 80-110kr
- Museum entry: 100-150kr
- Taxi (10 minutes): 150-200kr
The beauty of Sweden's payment system is its simplicity – no calculating tips, no fumbling with cash, just tap and go.