Compare Travel Money Cards in Sweden

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19 live offers compared from 19 providers, from kr600 /year. Updated daily.

What are travel money cards in Sweden?

Travel money cards are debit, prepaid, or multi-currency cards designed for spending abroad without the markups a normal Swedish bank card applies. Because everyday Swedish cards typically add a foreign-transaction surcharge (valutapåslag) of around 1.5–2.5% on non-SEK purchases, using a card built for travel — often at or near the mid-market FX rate — can noticeably cut the cost of a holiday or business trip. They matter especially for Swedes travelling outside the Nordics, since Swish, the domestic payment app, only works within Sweden.

How the Swedish market works

The market splits between fintech multi-currency accounts and incumbent bank travel cards. Fintechs such as Wise, Revolut, and N26 let you hold and convert multiple currencies and spend close to the mid-market rate, while Klarna offers card products tied to its app. Traditional banks — SEB, Handelsbanken, and Nordea — issue debit and travel cards with their own FX handling, and providers like Tele2 bundle payment features into broader accounts. The trade-off is usually between the fintechs' cheaper FX and the banks' integration with your existing Swedish account.

What to watch for

FX rate vs markup — compare the mid-market rate you get against the ~1.5–2.5% valutapåslag on ordinary bank cards.

Weekend surcharges — some fintechs add a fee for converting currency over the weekend when markets are closed.

ATM withdrawal fees — cash withdrawals (uttag) abroad often carry a fee or a monthly free allowance that is capped.

Top-up methods — check how you load the card and whether that itself costs anything.

How to choose

Match the card to how you travel. Frequent travellers who spend in several currencies benefit most from a Wise, Revolut, or N26 multi-currency account, while occasional travellers may prefer a card linked to their existing SEB, Handelsbanken, or Nordea account for simplicity. Compare the effective FX cost, ATM allowances, any monthly plan fee, and whether the card is widely accepted at your destination.

Leading providers in Sweden

Wise, Revolut, and N26 are the leading multi-currency fintechs used by Swedish travellers, with Klarna offering app-linked card products. On the incumbent side, SEB, Handelsbanken, and Nordea provide debit and travel cards tied to Swedish accounts, and Tele2 features among providers bundling payment functionality. The best choice depends on whether you prioritise the lowest FX cost or seamless integration with your main bank.

What it costs

Costs vary by model: many fintech cards are free to open with fees only on ATM withdrawals or weekend conversions, while premium plans charge a monthly fee for extra allowances. The roughly 600 SEK figure on Giraffy's Swedish comparison reflects a typical annual card or plan cost or a comparison basket rather than a fixed fee floor — for light users the real cost can be far lower.

Protections and regulation

Payment and e-money providers operating in Sweden are supervised within the EU framework, with Finansinspektionen (FI) as the national regulator; several fintechs operate under an EEA licence passported into Sweden. Konsumenternas guidance services and Hallå Konsument can help you understand your rights, and Allmänna reklamationsnämnden (ARN) handles consumer disputes over card services.

Common questions

Why not just use my normal card? — Ordinary Swedish bank cards typically add a 1.5–2.5% valutapåslag on foreign spending, which a travel-focused card can avoid.

Can I use Swish abroad? — No. Swish is a domestic Swedish service only; you need a card for spending overseas.

What extra fees should I check? — Weekend FX surcharges, ATM withdrawal (uttag) fees, and any monthly plan cost.

Travel Money Cards in Sweden — FAQ