Visa/Mastercard universally accepted at shops, restaurants, hotels across Sweden. Chip-and-PIN standard; contactless very common.

ATMs (Bankomat) abundant in cities/towns. Bank ATMs charge no fee; non-bank operators charge SEK 30–55 per withdrawal. Typical limit ~SEK 2,000 per transaction.

Visa/Mastercard accepted for online purchases from Swedish and international merchants.

Contactless is dominant in Sweden. Works at most POS terminals; even small purchases (coffee, transit) accept contactless.