Find out more about the local currencies & means of payments
Find out how to easily exchange money and pay for products and services during your trip.
Local currencies
So what currency do you need to bring on your Scandinavian tour? Well, it’s good to be aware that each country has their own monetary unit.
Sweden, Denmark and Norway all use their own version of the ‘krona’. These are Swedish krona (SEK), Danish krone (DKK) and Norwegian krone (NOK). The currency accepted in both Finland and Estonia is the euro (EUR).
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Currency exchange
Foreign currency exchange is available at banks, tourist offices, post offices in cities and some of the larger hotels. There are also bureaux de change, but they tend to charge much higher commission and fees.
For awareness, you can see current conversion rates at xe.com.
Credit cards and payments
Credit cards are used widely in the Scandinavian countries. Sweden, for example, is one of the most cashless societies in the world.
Major credit cards will be accepted widely (with some exceptions), so you don’t need to bring too much cash. You’ll find that mobile payments, like Apple Pay, are also widely accepted in the major cities.
In Estonia, it is recommended to bring some cash with you as well as using cards.
Please note that debit cards may not be accepted as widely.
ATMs
ATMs are points where you can withdraw cash. These are called “bankomat” in Sweden, “pengeautomat” in Denmark and “minibanks” in Norway.
They can be found adjacent to many banks and near busy public places, like shopping centres and central train stations. You can withdraw cash using major credit cards or Cirrus, Visa Electron or Plus debit cards with a 4-digit PIN.
Banking fees for ATM withdrawals and foreign transactions vary widely. So please check the rates with your own bank before travelling.
