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I lived in Sweden for 6 months in 2018 and didn’t have any such problems. My Dutch Maestro debit card worked in all shops and cafés I visited, and online I was

I lived in Sweden for 6 months in 2018 and didn’t have any such problems. My Dutch Maestro debit card worked in all shops and cafés I visited, and online I was usually able to use a MasterCard. Personnummer was really only required for things like phone plans and store loyalty cards, which you don’t really need. I just used EU roaming on my Dutch SIM, but if you’re non-EU I believe you can get PAYG/prepaid SIMs without needing a personnummer.

Leherenn 3y ago
I don't know about Sweden in particular, but things have moved very quickly in this space, especially since Covid. It's very common that things that used to be cash only (food trucks, car parks, ...) have moved to $local_system since then.
- Tijdreiziger 3y ago
  I don’t recall any cash-only businesses even back then. I did carry some cash, but I barely used it.
folmar 3y ago
That's great for you, but most countries don't have Maestro so no luck in Sweden. And no, Mastercard does not work nearly as well.
- Tijdreiziger 3y ago
  I think Swedish banks issue MasterCard or Visa as their standard debit cards, so it seems to me that it should work (although I didn’t have reason to try it when I was there). See e.g.: https://www.swedbank.se/en/private/cards-and-payment/debit-card.html https://www.swedbank.se/en/private/cards-and-payment/debit-c... https://www.handelsbanken.se/en/personal/accounts-cards-and-payments/debit-and-credit-cards https://www.handelsbanken.se/en/personal/accounts-cards-and-... https://www.nordea.se/privat/produkter/kreditkort-bankkort/nordea-debit.html https://www.nordea.se/privat/produkter/kreditkort-bankkort/n...
  - eddtests 3y ago
    There's a big push on Swish which is a mobile banking app and only available to people with BankID - there are smaller places that are Swish-only which means you cannot pay with a card or cash but a Swedish-specific app. I am now with Handelsbanken so this issue is solved but when I first visited it was an issue! But regardless of those more niche issues, did you try joining a Gym before getting a Swedish card/personnummer?
  - folmar 3y ago
    Nordea -> issues Visa Electron. That is not the same as regular Visa! Swedbank -> issues Maestro, https://www.swedbank.se/privat/kort/bankkort/bankkort-maestro.html https://www.swedbank.se/privat/kort/bankkort/bankkort-maestr... (yes, the English page lists only a quarter of the available ones) Handelsbanken -> issues Maestro, scroll down a bit I was there a few year ago with both Mastercard and Visa in my pocket and the success rate was 60-70% for that combination (i.e. some one third of the places would not accept either). But steadily improving.

Leherenn 3y ago

I don't know about Sweden in particular, but things have moved very quickly in this space, especially since Covid. It's very common that things that used to be cash only (food trucks, car parks, ...) have moved to $local_system since then.

Tijdreiziger 3y ago
I don’t recall any cash-only businesses even back then. I did carry some cash, but I barely used it.

folmar 3y ago

That's great for you, but most countries don't have Maestro so no luck in Sweden. And no, Mastercard does not work nearly as well.

Tijdreiziger 3y ago
I think Swedish banks issue MasterCard or Visa as their standard debit cards, so it seems to me that it should work (although I didn’t have reason to try it when I was there). See e.g.: https://www.swedbank.se/en/private/cards-and-payment/debit-card.html https://www.swedbank.se/en/private/cards-and-payment/debit-c... https://www.handelsbanken.se/en/personal/accounts-cards-and-payments/debit-and-credit-cards https://www.handelsbanken.se/en/personal/accounts-cards-and-... https://www.nordea.se/privat/produkter/kreditkort-bankkort/nordea-debit.html https://www.nordea.se/privat/produkter/kreditkort-bankkort/n...
- eddtests 3y ago
  There's a big push on Swish which is a mobile banking app and only available to people with BankID - there are smaller places that are Swish-only which means you cannot pay with a card or cash but a Swedish-specific app. I am now with Handelsbanken so this issue is solved but when I first visited it was an issue! But regardless of those more niche issues, did you try joining a Gym before getting a Swedish card/personnummer?
- folmar 3y ago
  Nordea -> issues Visa Electron. That is not the same as regular Visa! Swedbank -> issues Maestro, https://www.swedbank.se/privat/kort/bankkort/bankkort-maestro.html https://www.swedbank.se/privat/kort/bankkort/bankkort-maestr... (yes, the English page lists only a quarter of the available ones) Handelsbanken -> issues Maestro, scroll down a bit I was there a few year ago with both Mastercard and Visa in my pocket and the success rate was 60-70% for that combination (i.e. some one third of the places would not accept either). But steadily improving.