ATMs--common in hotel areas in Norway, Sweden, Denmark and Iceland?

In Iceland, there are only two cities, Reykjavik and Akureyri, and you will find ATM's in both of those places. Outside of those two, it is they are much harder to find. In Reykjavik there is one on Laugavegur, the main road through the heart of downtown. That said, they are not a tipping culture and we never tip in Iceland, and go often. I asked about this on a few of our trips and talked with the locals and they were adamant about not tipping as they did not want that culture brought into their country. So you won't need to worry about that, but there are some random places that you do need a bit of cash. Some toilets are cash only, as are some random hot springs etc. We always take just a bit with us, and we needed it yet again just last month for a toilet at a waterfall. Oh, and if you do the Citywalk "free" walking tour, you do tip at the end for that, but they take cards now for that.

It depends on where your hotel is located. Open googlemaps and search for your hotel. Then search for ”ATM” or ”bankomat”

Did the tour company tell you how much to tip the bus driver and how many different bus drivers you will have?

One more thing … here is a map of all the bankomats in Sweden:
https://www.bankomat.se/karta/

Asked to tip equal to $30 USD in Sweden and Denmark, $40 in Norway and $20 in Iceland. Considered buying this money from local bank but they have a minimum of at least $200 for each currency.

If you've used an ATM there do you recall the minimum that can be taken out at a time? Don't want to take out too much cash as at least when I was in England some businesses would only take a credit card.

Who suggested the tipping?

As for ATM amounts, I know we have taken out far less than $200 equivalent, but it has been several years since we took any so I can't remember just how much, but I know it was very little, around $20.. We are still using what we took out, but are getting close to needing to replenish.

In Sweden, the smallest bill in a bankomat is usually 100 SEK (about 10 USD).

but need local currency for bus driver tips on a tour. ............Asked to tip equal to $30 USD in Sweden and Denmark, $40 in Norway and $20 in Iceland.

Is that per person? How long a bus tour is it?