Sweden, Norway and Denmark are the most card-centric countries on earth, yet seasoned travellers still carry a little local currency. Order travel money before your trip through a commission-free provider such as Travel FX and carry the sensible minimum.
Public toilets, rural kiosks, flea markets, some campsites and the occasional technology failure are the last redoubts of Nordic cash, and being caught without it is disproportionately annoying.
Swedish, Norwegian and Danish kronor are separate currencies, so multi-country itineraries need small amounts of each rather than one shared float.
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