Withdraw cash in Sweden without ATM fees
Yes. Bank ATMs in Sweden usually don't charge foreign cards an ATM fee.
Bankomat ATMs (Nordea, Handelsbanken, Swedbank, SEB, Danske) and bank ATMs charge no operator fee. Kontanten/Nokas and Forex charge SEK 20–55.
Our map shows 1,312 ATMs in Sweden. 644 have no known operator fee, 140 charge one and for 528 it is unclear.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank ATMs (default) | free | 644 | medium |
| Kontanten / NokasNon-bank ATMs charge SEK 30–55. | SEK 30–55 | 114 | medium |
| Forex Bank | SEK 20–55 | 14 | low |
| LoomisOperator with no information on fees. | unclear | 6 | low |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | SEK 21.41–54.78 | 12 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 522 | – |
ATMs in popular places
How to avoid fees
- Prefer the ATMs marked as free above.
- If the ATM offers to charge you in your home currency, always choose SEK (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
- Avoid Euronet and other independent operators, especially at airports and in tourist areas.
- Withdraw a larger amount once rather than small amounts several times.
- Check before your trip what your own bank charges for foreign withdrawals.
All tips for withdrawing cash abroad →
FAQ
Can you withdraw cash for free in Sweden?
Yes. Bank ATMs in Sweden usually don't charge foreign cards an ATM fee. Bankomat ATMs (Nordea, Handelsbanken, Swedbank, SEB, Danske) and bank ATMs charge no operator fee. Kontanten/Nokas and Forex charge SEK 20–55.
Which ATMs are free in Sweden?
Most bank ATMs. The map marks 644 ATMs with no known fee.
Which ATMs should I avoid in Sweden?
Fees are charged mainly by: Kontanten / Nokas (SEK 30–55), Forex Bank (SEK 20–55), Euronet / independent operator (SEK 21.41–54.78). The fee is shown on screen before the withdrawal, so you can still cancel.
Should I pay in SEK or in my home currency?
If the ATM offers to charge you in your home currency, always choose SEK (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How up to date is this?
Fees were last checked on 2026-10-31. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
Sources
- Travel Currency Guide: Sweden (08/2026)
- Travel-Dealz: ATM Operator Fees in 80 Countries (2023, mit Leserberichten bis 2026)
- ATM Fee Saver: Travel ATM Fee Index 2026, Europa (10.06.2026)
- ATM Fee Saver: Cash & ATMs in Sweden
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)