Money & Exchange

1. Accepterar ni kortbetalning?

   Do you accept card payment?

   Usage

   Sweden is nearly cashless — many stores refuse cash, so this confirms card payment is accepted

   Grammar Note

   Sweden is one of the world's most cashless societies. "Swish" is the dominant mobile payment app

2. Vad kostar det?

   How much does it cost?

   Usage

   The most common phrase for asking the price of something

   Grammar Note

   "Kostar" is the present tense of "kosta" (to cost). Swedish currency is the krona (SEK), abbreviated "kr"

3. Var finns närmaste bankomat?

   Where is the nearest ATM?

   Usage

   Used to find the nearest cash machine — though Sweden is largely cashless, ATMs are still available

   Grammar Note

   "Bankomat" = ATM (bank automat). Cash use has declined sharply in Sweden — many businesses now refuse it

4. Kan jag få ett kvitto?

   Can I have a receipt?

   Usage

   Used to request a receipt after making a purchase

   Grammar Note

   "Kvitto" means receipt. Many Swedish stores now offer digital receipts sent by email

5. Kan vi dela notan?

   Can we split the bill?

   Usage

   Used at restaurants to request splitting the bill among a group

   Grammar Note

   "Notan" = "the bill" (definite form of "nota"). "Dela" = to share/split — also used in "dela med sig" (share with others)

6. Jag vill växla pengar

   I want to exchange money

   Usage

   Used when you want to exchange foreign currency into Swedish kronor

   Grammar Note

   "Pengar" is the plural of "peng" (coin/money). In Swedish, money is always referred to in the plural

7. Vad är växelkursen?

   What is the exchange rate?

   Usage

   Used at currency exchange offices or banks to ask for the current exchange rate

   Grammar Note

   "Växelkursen" = the exchange rate. "Växel" also means change (coins), and "kurs" means rate/course

8. Är det moms inkluderat?

   Is VAT included?

   Usage

   Used to check if Swedish VAT (moms) is included in the displayed price

   Grammar Note

   Swedish VAT rates: 25% (standard), 12% (food/hotels), 6% (books/transport). Prices usually include moms

9. Jag har fått tillbaka för mycket

   I received too much change

   Usage

   Used honestly to inform a cashier that you received too much change

   Grammar Note

   "För mycket" (too much) vs "för lite" (too little). "Fått tillbaka" = "got back"; in a payment context it means being given change back (the word for change itself is "växel")

10. Kan jag använda Swish?

    Can I use Swish?

    Usage

    Used to ask if the Swedish mobile payment system Swish is accepted — very common in Sweden

    Grammar Note

    Swish is used by ~80% of Swedes for P2P and retail payments. It links your bank account to your phone number

11. Deposition

    Deposit

    Usage

    A refundable deposit paid at check-in for hotels or rentals

12. Återbetalning

    Refund

    Usage

    Used when asking for money to be returned

13. Säkerhet

    Security deposit

    Usage

    A more formal security deposit, used for rentals or leases

14. Förskottsbetalning

    Prepayment

    Usage

    Used to indicate money paid in advance, e.g. at booking

15. Tilläggsavgift

    Extra charge

    Usage

    Used to indicate an additional charge added later

16. Serviceavgift

    Service fee

    Usage

    Used to indicate a fee charged for a service or procedure

17. kontanter

    Cash

    Usage

    Ask whether cash is accepted; Sweden is almost cashless and card-only places post "Vi tar inte kontanter"

    Grammar Note

    Used in the plural, definite "kontanterna"; "in cash" as an adverb is "kontant"

18. kortbetalning

    Card payment

    Usage

    Say you want to pay by card; in Sweden cards work even for tiny amounts

    Grammar Note

    An "en" word, definite "kortbetalningen". Plain "kort" also means "short" or "photo", so use "kortbetalning" or "bankkort" when talking about paying

19. var för sig

    Separately (split the bill)

    Usage

    Ask to pay individually; the full question is "Kan vi betala var för sig?"

    Grammar Note

    A set phrase meaning "each on their own"; an even split is "dela lika"

20. allt tillsammans

    All together (one bill)

    Usage

    Say you are paying for everything at once: "Allt tillsammans, tack"

    Grammar Note

    "Allt" (everything) + "tillsammans" (together); the opposite is "var för sig"

21. växel

    Change (money back)

    Usage

    Used when change is due; "can I have my change?" is "Kan jag få tillbaka växeln?"

    Grammar Note

    An "en" word, definite "växeln". The same word also means a gear or a switchboard, so use it only at a till; loose coins are "småpengar"

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