Not quite so! At least for Sweden, you can use https://www.betalo.se/ https://www.betalo.se/ to pay any bill - like your rent. Some credit card companies partne

Not quite so! At least for Sweden, you can use https://www.betalo.se/ https://www.betalo.se/ to pay any bill - like your rent. Some credit card companies partner with 'em and waive the fees. (I'm not affiliated with Betalo or any Credit Card company what so ever) Also, let me remind everyone that Europe is not super small either. There's a lot of diversity. In the Nordic parts, people basically only use debit/credit cards for example. For good and bad, cash is getting rarer here.