Government loans for refunds to travellers

During the period from 10 February to 1 March 2021, those selling package trips had the opportunity to apply for a government loan in order to pay refunds to their travellers.


The application period is now over. The last day to apply was March 1, 2021.

You who have submitted an application can send any additions to the e-mail address

Our processing of applications begins immediately after the application period ends in order to be able to start paying out granted loans already in March 2021.

Documents you must attach to your application

Please note: Please make sure that your documents do not contain sensitive personal data or information of a confidential nature when you are preparing them.

1. One single set of supporting data containing current liabilities to travellers for package trips that were interrupted or cancelled during the period 1 March 2020 - 31 January 2021 (booked before 31 October 2020) and for which full repayment has not been made. The data must as a minimum include the following for each booking:

  • Booking number and/or customer number
  • Booking date
  • Departure date
  • Outstanding liability at the time of the application

The data must specify a grand total. We would prefer to have the data in Excel format. If your company is not able to produce lists from booking systems, financial systems or equivalent, you can use our template and attach it to your application.

Current liabilities to travellers, template Excel, 15.7 kB. (Excel, 15.7 kB)

2. Annual Report for 2019 for companies with the calendar year as their financial year (sole traders must attach their 2019 tax return, NE Annex).

3. Income Statement for the period 01/01/2019-31/12/2019 and Balance sheet as of 31/12/2019 for companies with a financial year other than the calendar year.

4. Most recently adopted annual report (sole traders must attach their most recent tax return, NE Annex).

5. Supporting data from the company’s finance system that verifies total payroll costs for 2019, including social security contributions and costs of staff who work for the travel operator but are paid as subcontractors.

6. Decisions on State aid previously received (restructuring aid and rental aid).

Please note: The authorised company signatory must certify and sign the data in the application on his/her honour.

Who is eligible for a loan?

These are two basic criteria for your company to be eligible for the loan:

  • The company arranges package trips or is a reseller of package trips for operators with a registered office outside the European Economic Area (EEA).
  • The company has not fully reimbursed travellers for package trips* that should have started or been interrupted between 1 March 2020 and 31 January 2021. The package trips must have been booked before 31 October 2020.
  • The Company is covered by the Swedish Travel Guarantee Act and if there is travel guarantee arranged for the trips to which the loan relates.

*Find out more about the Swedish Package Travel Act at the Swedish Consumer Agency (in Swedish) External link, opens in new window.

What counts as a package trip?

A package travel lasts at least 24 hours or includes an overnight stay. Furthermore, at least two (2) of the following items must be included:

  • Passenger transport, e.g. by air, train, bus or boat.
  • Accommodation*, e.g. hotels or hostels.
  • Car rental or motorcycle rental requiring a category A driving licence.
  • A tourist service**, e.g. a spa, cookery course or ticket to an event.

A package travel does not always have to consist of transport and accommodation, but may, for example, consist of the following:

  • hotel accommodation with a concert ticket only or
  • flight ticket and car rental only (without accommodation), on the condition that the trip lasts longer than 24 hours.

If you make purchases from multiple travel operators with different websites, this can sometimes count as a package travel if your personal data and payment details are sent from the first website to the second, and you make your bookings within 24 hours.

* If, for example, you take a night train with a sleeping compartment, this is only counted as passenger transport if the purpose of the trip is that you shall simply travel from one place to another. If, on the other hand, the purpose is an experience-based trip, it is counted as both passenger transport and accommodation and is thereby a package travel.

** For example, breakfast or sauna in a hotel would not count as a tourist service but are included as part of the accommodation. A helicopter trip cannot be counted as both transport and tourist service.

More information about what counts as a package travel is available from the Swedish Consumer Agency, opens in a new window External link, opens in new window.

Who is not eligible for a loan?

Your company is not eligible for a loan if:

  • The company was in financial difficulty as of 31 December 2019 and had payment demands from the European Commission.
  • The company has gone into liquidation, been declared bankrupt or is undergoing a company restructuring in connection with the application for this government loan or in connection with your receiving payment of the loan.

Find out more about the definition of financial difficulty at the Swedish Tax Agency (in Swedish) External link, opens in new window.

Size of the loan

If the company you represent is granted a loan, it may be to a maximum amount of your liability to travellers who have booked a package trip.

When you apply for the loan, you must provide evidence of your debts to travellers.

There are limitations we take into account when we determine the potential size of loans. The amount borrowed may be limited if:

  • Debts to travellers exceed 25% of total turnover for 2019, or
  • Debts to travellers exceed double the payroll costs for 2019.
  • The company applying for a loan has previously received State aid.

If the operator of package trips has debts to travellers exceeding 25% of their total turnover for 2019 or double the payroll costs for 2019, the loan may be a maximum of SEK 8 million above this amount.

Furthermore, if the funds we can allocate to the loans are not sufficient to meet all loan applications, we will reduce the amount of the loan to the same percentagefor all operators.

Read the regulation on what the restrictions are, see Sections 12-13 (in Swedish) External link, opens in new window.

The effect of State aid

If the operator of package trips applies for a loan that exceeds of 25% of their total turnover for 2019 or double the payroll costs for 2019, the excess part (maximum SEK 8 million) is affected by any other State aid they have been granted*. If the operator has previously been granted State aid, that sum shall be deducted from what can be granted in loans.

*State aid that affects possible loan amounts is rental aid or adjustment aid.

The travel operator loan may also affect the company’s opportunities to claim other State aid in the future.

There is a maximum limit on what a company may be granted in State aid. This level is currently SEK 8 million and is determined by the European Commission. The element of the travel operator loan that exceeds 25% of total turnover for 2019 or double the payroll costs for 2019 counts towards the total amount of SEK 8 million.

Loans below 25% of total turnover for 2019 or double the payroll costs for 2019 are not affected by this assessment.

Interest and repayment

The interest rate on the loan is fixed for the full term of the loan. The annual interest rate on the loan is 1%, except for loans to large companies, which are charged 2% annual interest when a term of six years is selected. The interest can be paid in the end of the term.

The loan must be repaid when the company recovers any receivables from subcontractors for the package trips in question. Otherwise, the full amount must be repaid at the end of the term, or earlier as desired by the company itself.

Processing, control and follow-up of government loans

Find out what happens after you submit your application.

Private individuals cannot apply for a loan

Private individuals who are waiting for a refund from a travel operator cannot apply for a loan. Nor can private individuals influence the process relating to an individual travel operator by contacting us at Kammarkollegiet.