Sundsvall

1. Local Currency

• Currency Name: The official currency in Sundsvall, as in the rest of Sweden, is the Swedish Krona (SEK), abbreviated as "kr."
• Denominations:
  • Coins: 1 kr, 2 kr, 5 kr, 10 kr
  • Banknotes: 20 kr, 50 kr, 100 kr, 200 kr, 500 kr, 1,000 kr
• Exchange Rate: The exchange rate fluctuates, so check the current rate before your trip. As of late 2023, 1 USD is approximately 11 SEK, and 1 EUR is around 11.5 SEK, but this can vary.

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2. Prevalence of Cash vs. Card Payments

• Card Dominance: Sweden is one of the most cashless societies in the world, and Sundsvall is no exception. Most businesses, including restaurants, shops, taxis, and even public transportation, prefer or exclusively accept card payments.
• Cash Use: While cash is still legal tender, its use is increasingly rare. Many establishments in Sundsvall, especially smaller cafes or shops, may not accept cash at all. Always check for signs or ask if cash is accepted before making a purchase.
• Mobile Payments: Mobile payment apps like Swish are extremely popular in Sweden. However, Swish requires a Swedish bank account, so it may not be an option for visitors.

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3. Where and How to Exchange Money

If you need cash, here are the best options for obtaining Swedish Krona in Sundsvall:

a. ATMs (Bankomater)

• Availability: ATMs are widely available in Sundsvall, especially in central areas like Storgatan (the main shopping street) and near Sundsvall Central Station.
• Banks Operating ATMs: Major Swedish banks like Swedbank, SEB, Handelsbanken, and Nordea operate ATMs in Sundsvall.
• Languages: ATMs typically offer instructions in multiple languages, including English.
• Fees:
  • Swedish ATMs generally do not charge a fee for withdrawals, but your home bank may impose a foreign transaction fee or currency conversion fee. Check with your bank before traveling.
  • Use ATMs affiliated with major banks to avoid additional third-party fees.
• Tips: Withdraw larger amounts at once to minimize fees, but avoid carrying too much cash for safety reasons.

b. Currency Exchange Offices

• Options in Sundsvall: Currency exchange offices are less common in Sundsvall compared to larger cities like Stockholm. However, Forex Bank, a well-known currency exchange provider in Sweden, has branches in larger cities and may have services available online or nearby.
• Airport Exchange: If you’re flying into Sundsvall-Timrå Airport, note that currency exchange services may be limited. It’s better to exchange money before arriving in Sundsvall or use an ATM upon arrival.
• Exchange Rates: Currency exchange offices often charge a commission or offer less favorable rates compared to ATMs. Always compare rates and fees.

c. Banks

• Bank Branches: Major banks in Sundsvall, such as Swedbank and Handelsbanken, may offer currency exchange services. However, many Swedish banks have moved away from handling cash transactions, so it’s best to call ahead to confirm.
• Opening Hours: Banks in Sundsvall typically operate Monday to Friday, from around 10:00 AM to 3:00 PM or 4:00 PM. They are closed on weekends and public holidays.

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4. Costs and Fees

• Currency Conversion Fees: When using a foreign card in Sundsvall, your bank may charge a currency conversion fee (typically 1-3% of the transaction amount). Some ATMs or card terminals may also offer "Dynamic Currency Conversion," which allows you to pay in your home currency. Avoid this option, as it often comes with poor exchange rates.
• Credit Card Fees: Check with your card provider for any international transaction fees. Some credit cards, like travel-focused ones, waive these fees.
• Tipping: Tipping is not mandatory in Sweden, and service charges are usually included in the bill. If you wish to tip, rounding up the bill or leaving a small amount (5-10%) is appreciated. This can be done via card or cash.

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5. Cultural and Practical Considerations

• Cashless Culture: Sundsvall, like the rest of Sweden, is highly cashless. Locals are accustomed to using cards or mobile payments for even small transactions, such as buying a coffee or a bus ticket.
• Public Transportation: Sundsvall’s public transportation system, operated by Din Tur, does not accept cash on buses. Tickets must be purchased via the Din Tur app, at ticket machines, or with a card.
• Markets and Small Vendors: While most vendors accept cards, some small market stalls or independent sellers may still prefer cash. It’s a good idea to carry a small amount of cash for such situations.
• Safety: Sundsvall is a safe city, but as with any destination, avoid carrying large amounts of cash. Pickpocketing is rare but can occur in crowded areas.

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6. Recommendations for Visitors

• Use Cards Whenever Possible: Bring a credit or debit card with no foreign transaction fees to minimize costs. Visa and Mastercard are widely accepted, while American Express and Diners Club may not be as commonly used.
• Carry a Small Amount of Cash: While cash is rarely needed, having 200-500 SEK on hand can be useful for emergencies or small vendors.
• Plan for Cashless Transactions: Download apps like Google Pay or Apple Pay if your card supports them, as contactless payments are widely accepted.
• Notify Your Bank: Inform your bank of your travel plans to avoid your card being blocked for suspicious activity.

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7. Summary

• Cash Use: Rare but still accepted in some places.
• Preferred Payment Methods: Card payments and mobile apps like Swish.
• Where to Get Cash: ATMs are the most convenient option in Sundsvall, with minimal fees.
• Cultural Norms: Sundsvall residents are accustomed to cashless transactions, so don’t be surprised if cash is not accepted in some establishments.

By following these tips, you’ll be well-prepared to navigate Sundsvall’s cashless society while still having access to cash when needed. Enjoy your visit to this charming Swedish city!