Banking & BankID

Banking and Digital Identity

Bank account, BankID, Swish and paying Swedish invoices.

Opening a Swedish bank accountYou have a legal right to a basic payment account, even without a personnummer — but each bank decides its own ID checks, and BankID needs a personnummer. Here is how to get an account opened.
Banking without a personnummerWaiting for your personnummer, or staying less than a year? You can still have a payment account — but expect a slower process, and no BankID until you have a personnummer.
Swedish banks explainedThe main banks, how they differ for a newcomer, and what to compare before choosing.
Documents banks ask forBanks must check who you are and why you want an account. Bringing the right papers the first time saves a second visit.
Getting BankIDBankID is the digital ID almost everything in Sweden uses — 1177, Skatteverket, Försäkringskassan, Swish, housing queues. Your bank issues it once you have a personnummer.
Setting up SwishSwish sends money instantly with a phone number. Friends, flea markets, sports clubs and small home businesses all use it.
Using your account and debit cardClearing and account numbers, debit cards, card-only shops and what to give your employer.
Paying invoices: Bankgiro, Plusgiro and OCRIn Sweden you pay most bills by invoice (faktura) through your internet bank. Here is how to read one and pay it correctly — so the money reaches the right place.
Autogiro and e-fakturaTwo ways to stop worrying about due dates: automatic withdrawals (autogiro) and invoices sent straight to your bank (e-faktura).
Sending money abroadHow to send money to family in Pakistan safely, and what to compare so fees and exchange rates do not eat the amount.
Avoiding banking and BankID scamsFraudsters target newcomers by phone, text and social media. These rules protect your account.

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Banking and Digital Identity