Sweden: you keep a krona account, so listing in euros costs you 2.5%
Etsy sets a seller's payout currency from the country of their bank account, and the krona is a supported Etsy Payments currency. Sweden is also not among the six European Union countries pushed onto euro payouts, which are Bulgaria, Croatia, Czechia, Hungary, Poland and Romania.
So a Swedish shop genuinely holds a krona account, and that creates a decision the euro-zone countries never face. List your items in euros or dollars to court foreign buyers and every sale is converted back to kronor, at a currency conversion fee of 2.5% of the sale amount.
That 2.5% is larger than it sounds next to the fees this calculator shows. It is charged on the whole sale rather than on a fee, so on a SEK 500 order it costs SEK 12.50, comfortably more than the listing fee and the fixed part of processing combined. Listing in kronor avoids it completely.
The fixed fees are set in kronor, not converted
Sweden is the one country here whose fixed payment processing fee is a round local figure rather than a decimal conversion: 4% plus SEK 3.00, against 4% plus EUR 0.30 across the euro zone.
The listing fee behaves differently. Etsy bills that at USD 0.20 and converts it, so the krona figure moves with the exchange rate rather than with any Etsy announcement. If the number on this page looks slightly out of date, that is why, and it applies equally to every country outside the United States.
What Sweden does not pay
Sweden carries no regulatory operating fee. That charge applies in nine countries, including Britain at 0.48%, France at 1.14%, Spain at 0.88% and Canada at 0.50%, and Sweden has never been among them. Nor is Sweden on Etsy's deposit-fee list, so payouts arrive without a per-deposit charge.
On Etsy's own fees Sweden is in the ordinary arrangement: VAT is charged unless you supply a VAT number, after which it stops and you account for it under the reverse charge.
One caution. Etsy publishes no VAT percentage for its fees in any country, stating only that VAT "may vary". Any Swedish rate you see quoted comes from Skatteverket rather than from Etsy.