Is Sweden cashless?
Go cashless#1 of 197 in The Cashlessy Index 2026 · #1 of 45 in Europe
Short answer: Leave the cash at home. Your card or phone will work almost everywhere.
Probably the most cashless country in the world. Many shops, cafes and even some banks do not accept cash at all.
Will my card work?
Yes. Visa and Mastercard are accepted almost everywhere in Sweden, and contactless is common.
Do I need cash?
Rarely. You can get by in Sweden with a card or phone almost everywhere.
Local currency: Swedish krona (SEK)
How does tipping work?
Service is included. Rounding up or about 5-10% in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Good to know
- Swish needs a Swedish bank account, but you will never need it as a visitor.
Frequently asked questions
Is Sweden cashless?
Sweden scores 97/100 on Cashlessy (go cashless), ranking #1 of 197 countries. Probably the most cashless country in the world. Many shops, cafes and even some banks do not accept cash at all.
Do I need cash in Sweden?
Rarely. You can get by in Sweden with a card or phone almost everywhere.
Are credit cards accepted in Sweden?
Yes. Visa and Mastercard are accepted almost everywhere in Sweden, and contactless is common.
Do you tip in Sweden?
Service is included. Rounding up or about 5-10% in restaurants.
Can I use Apple Pay or Google Pay in Sweden?
Yes. Phone wallets work at most terminals that accept contactless cards in Sweden.
Compare with Europe
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.