Hvilken kurs skal man velge i Sverige?

Always pick SEK, no exceptions, and here's why the choice isn't really about the exchange rate at all.

The terminal or ATM isn't offering you a favor when it asks to charge in NOK. It's running what's called dynamic currency conversion, where the local bank or merchant sets its own margin on top of the wholesale rate, usually 3% to 7% above what Visa or Mastercard would charge. That extra fee is pure profit for the network, not a benefit to you. If the operator says the rate includes all fees, they're lying, it's just a hidden markup.

Your Norwegian bank, even with no overseas fee, will add roughly 1.5% on the card network's daily rate. That's the baseline. The ATM's offer in NOK can add 5% to 10% on top of that. So the first rule is to avoid the conversion entirely, not to obsess over which fee looks smaller.

As for the math, you can check Norges Bank's official daily rate online to see what the true mid-market price is. Your card will land a tiny margin above that, but it'll be far closer than anything the Swedish machine quotes you. For a weekend in Stockholm with meals and a hotel, the difference on a few thousand kroner is enough for a nice dinner, so it's worth the two extra seconds to press "SEK" and move on.

I always pay SEK when I'm in Gothenburg on business. I compared my receipts to Norges Bank's daily rate once, the difference was about 1.8%, which is just the standard card fee. A colleague chose NOK and paid nearly the same for the same dinner twice, 345 SEK showed as 335 kr on his statement.

You're missing that the card network's rate is already wholesale, so even choosing SEK isn't the worst deal. I did a three-week road trip in Sweden and never got an ATM that even offered my own currency, they only gave SEK, so the choice never came up except at one car rental desk. For small amounts, the 2% difference isn't worth the stress, only big purchases justify the careful pick.

SEK, always, unless your Norwegian bank charges a higher foreign transaction fee than the merchant's conversion. Then it's a gamble you can't win, so don't use that card. I had one bank hit me with an extra 3% fee on top of the dynamic conversion, a 120 SK purchase became 140 kr, worst I've ever seen.