Short answer: create a tip page in an app such as TipIns, add your IBAN, then print or show your QR code. Customers scan it with their phone camera and tip in Swedish kronor by card, Apple Pay or Google Pay, with no app on their side.
Sweden is close to cashless, and many shops and cafes do not accept cash at all. A tip, dricks, is optional: people round up or add 5 to 10% for good service in a restaurant, often by typing a higher total into the card terminal. For anyone without a terminal of their own, such as street musicians, guides and hotel staff, there is simply no cash to receive.
What people tip in Sweden
| Who | Usual tip |
|---|---|
| Restaurants | Round up, or 5 to 10% |
| Bars | Round up |
| Taxis | Round up |
| Hairdressers | Not expected |
| Street musicians | 10 to 20 kr |
How QR code tipping works
- You show or print your QR code.
- The customer points their phone camera at it. A secure web page opens. They need no app and no account.
- They choose an amount in Swedish kronor and pay with Apple Pay, Google Pay or a card.
- The tip appears in your balance straight away and is paid to your bank account.
Setting up in Sweden
- Create your account. Download TipIns and choose a username. You are asked for your legal name, date of birth and address, because payments are processed by Stripe and anyone receiving card payments must be identified.
- Add your bank account. Enter your IBAN. Tips are paid out in Swedish kronor.
- Print your code. Export a design in business card, A5, A4 or A3 size, or show the code on your phone.
What it costs in Sweden
| Item | Cost |
|---|---|
| Download and monthly fee | Free |
| Platform fee | 10% of each tip |
| Card processing | 1.5% plus 1.80 kr per tip for domestic cards. Cards issued abroad can cost more. |
| Who pays the fees | By default the customer covers them on top of the tip, so you receive the full amount. If they opt out, the fees come out of the tip. |
| Weekly payout to your bank | Free, once your balance reaches the minimum |
| Instant payout | 2% plus a small fixed amount |
Compared with what people use now
Swish is what Swedes use, and it needs a Swedish bank account and BankID. A visitor cannot use it. A QR code that takes any card, Apple Pay or Google Pay covers tourists as well as locals.
Tips for a whole team
If tips are shared, create a group. The venue shows one QR code and each tip is divided between members, equally or by percentages the owner sets. With active shifts switched on, a tip is shared only between the people working when it arrives. Each person is paid to their own bank account, and every member can see how each tip was split. The methods are compared in how to split tips between employees fairly.
Tax and the law in Sweden
Tips are taxable income in Sweden. Tips paid directly to you by customers are yours to declare. Keep a record through the year.
This is general information, not tax or legal advice. Check with Skatteverket or a qualified adviser about your own situation.
Common questions
Is tipping expected in Sweden?
Sweden is close to cashless, and many shops and cafes do not accept cash at all. A tip, dricks, is optional: people round up or add 5 to 10% for good service in a restaurant, often by typing a higher total into the card terminal.
How much does QR code tipping cost in Sweden?
TipIns has no monthly fee. Each tip carries a 10% platform fee plus card processing of 1.5% plus 1.80 kr for domestic cards. By default the customer covers these, so you receive the full tip.
What bank details do I need in Sweden?
You need your IBAN. Tips are paid out in Swedish kronor.
Are tips taxable in Sweden?
Tips are taxable income in Sweden. Tips paid directly to you by customers are yours to declare. Keep a record through the year.
Do customers need an app to tip by QR code?
No. They scan the code with their phone camera and pay on a secure web page with Apple Pay, Google Pay or a card.