Disagree. It is only a problem for swish only transactions. For cards the fee is higher when you withdraw than when you pay directly,so in a foreign country I a

Disagree. It is only a problem for swish only transactions. For cards the fee is higher when you withdraw than when you pay directly,so in a foreign country I always try to pay by card. In addition, handling cash in foreign countries is a huge hassle bebause you oftwn spend quite a lot so then you feel like a moving target for robbers. I never felt more unsafe than when I was with Colombia with 1000$ in cash to pay a big transaction. I had cash in sweden only once in my life and it got stolen in a commuter train. Never again! The problem with Sweden and SSN is not really cash but everything else (privacy, accessibility, discrimination, administrative hassle, online accounts...).