PREPAREDNESS AT HOME
Paying when a system stops working
AI-translated from Swedish; no human language review has been completed. Follow current advice from the responsible authorities during an incident.
Problems with power, data networks, banks or card networks can make shopping difficult. Prepare more than one way to pay.
Keep several payment options
If possible, have cards from different card networks, a mobile payment service and cash. No option is guaranteed to work during every disruption.
Build a cash reserve within your means
The Riksbank suggests about 1 000 Swedish kronor in cash per adult, preferably in mixed denominations. Even a smaller amount can help. Adapt this to your household's needs and finances.
Keep physical cards and PINs available
If you usually pay by phone, keep your physical card too. Know your card PIN; it may be needed when contactless payments stop working.
Do not assume every shop takes cash
Not all shops accept cash, and no payment method is guaranteed during every disruption. Consider where you could buy essentials and what you already have at home.
Sources and current advice
- Swedish Civil Defence Agency: Payments and cash during a crisis (Swedish) (opens in a new tab)
- The Riksbank: Payment recommendations (Swedish) (opens in a new tab)
This is Vinterrustad's summary, not an official alert. Sources were checked on 12 October 2026.
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