Sweden’s national instant-payment wallet, used for P2P transfers, small shops, flea markets and donations. It is not a stored-balance wallet — money is debited straight from your linked Swedish bank account.
!Not a bank. Swish operates as a Riksbank-recognised instant payment service that requires a Swedish bank account and BankID; wallet balances are e-money / stored value, NOT deposits, and are outside deposit-insurance protection. Funds are safeguarded in segregated / trust accounts under the applicable rules, not covered by any deposit guarantee scheme.
Effectively no. You need a Swedish personal identity number (personnummer), Swedish BankID and a Swedish bank account. Tourists and short-stay visitors without BankID cannot register. Once you work in Sweden and receive a personnummer, you can apply.
No minimum top-up — funds are debited in real time from your linked Swedish bank account｜Free for consumers to send and pay (usually bundled with your bank package); merchants pay bank-agreed acquiring fees.
Caps are set by each participating bank (commonly around SEK 10,000–30,000 per transaction plus daily limits). Balances are not deposits and are not deposit-insured.
Effectively no. You need a Swedish personal identity number (personnummer), Swedish BankID and a Swedish bank account. Tourists and short-stay visitors without BankID cannot register. Once you work in Sweden and receive a personnummer, you can apply.
Local bank account: Required — needs a Swedish bank account and a Swedish mobile number. Items typically needed: Swedish personal identity number (personnummer); Swedish BankID (mobile e-ID); A Swedish bank account; A Swedish mobile number matching your BankID.
Typically: Swedish personal identity number (personnummer); Swedish BankID (mobile e-ID); A Swedish bank account; A Swedish mobile number matching your BankID.
How to sign up: Fully online — requires Swedish BankID electronic identification, activated inside your bank’s app (About 5 minutes if you already have a Swedish bank account and BankID). Steps: 1) Obtain a Swedish personnummer and open a Swedish bank account 2) Apply for and activate BankID with your bank 3) Download the Swish app and enter the mobile number registered with your bank 4) Log in with BankID and verify the number 5) Pick the Swedish bank account to debit, then send and receive Fees: Free for consumers to send and pay (usually bundled with your bank package); merchants pay bank-agreed acquiring fees.
Caps are set by each participating bank (commonly around SEK 10,000–30,000 per transaction plus daily limits). Balances are not deposits and are not deposit-insured.
E-wallet rules change often — always follow the latest instructions in the official app.