Antingen spärrar du kortet nu eller så ringer du banken.

This is the standard Swedish way to present two alternatives: either ... or ...

• antingen = either
• eller = or
• så often appears before the second full clause

So the structure is:

• Antingen spärrar du kortet nu
• eller så ringer du banken

When both alternatives are full clauses, eller så sounds very natural.

Because Swedish main clauses usually follow the V2 rule: the finite verb comes in the second position.

Here, Antingen comes first, so the verb must come next:

• Antingen spärrar du kortet nu

Not:

• Antingen du spärrar kortet nu

The same thing happens in the second clause:

• eller så ringer du banken

Here, så takes the first position inside that clause, so ringer comes before du.

In this sentence, så helps introduce the second alternative. It is very common in patterns like this when the second part is a full clause.

So:

• eller så ringer du banken = or else you call the bank / or you call the bank

It makes the sentence sound smoother and more balanced.

If you remove så, you would normally also change the word order:

• Antingen spärrar du kortet nu eller du ringer banken

That version is possible, but eller så ringer du banken is more idiomatic here.

Swedish often uses the present tense for immediate choices, instructions, or practical actions.

So spärrar and ringer are literally present tense forms, but the sentence can still function like an instruction or urgent recommendation.

Compare:

• Antingen spärrar du kortet nu eller så ringer du banken.
• Spärra kortet nu eller ring banken.

The second version is a direct imperative. The original version sounds a little less blunt and more like presenting two options.

Here spärra means to block, freeze, or disable a bank card so it cannot be used.

In banking Swedish, spärra kortet is the normal expression for block the card.

So this is a very common real-life phrase if a card is lost, stolen, or compromised.

Because Swedish uses the definite form when talking about a specific known thing.

• kort = card
• kortet = the card

Here it means a particular card that both speaker and listener know about, so the definite form is used.

This is formed by adding the definite ending:

• ett kort
• kortet

Because the verb ringa normally takes a direct object in Swedish.

So Swedish says:

• ringa banken = call the bank
• ringa mamma = call mom
• ringa polisen = call the police

English often uses call the same way, so this part is actually quite similar.

Using till would not be the normal choice here.

Grammatically, it is a statement, because it uses normal present-tense word forms.

But in actual use, it functions a lot like an instruction or urgent recommendation. It gives the listener two possible actions.

So it is structurally a statement, but pragmatically it can feel like:

• Either block the card now, or call the bank.

Yes, but the sentence would usually need different word order.

With så:

• Antingen spärrar du kortet nu eller så ringer du banken.

Without så:

• Antingen spärrar du kortet nu eller du ringer banken.

So så is not absolutely required, but it is very natural here and helps the sentence sound more fluent.

Yes. In this context, spärra kortet is the normal and idiomatic phrase.

While blockera exists in Swedish, it is not usually the standard verb for what you do to a bank card after it is lost or stolen.

So if you are talking about cards, accounts, or access being officially stopped, spärra is usually the better word.

Yes, Swedish word order is somewhat flexible, but the current placement is very natural:

• Antingen spärrar du kortet nu eller så ringer du banken.

Placing nu after kortet clearly connects now with block the card.

You could move it in some contexts, but this version is straightforward and idiomatic.