Opening a Swedish bank account

Everyone in Sweden is entitled to a bank account and basic payment services. To open a Swedish bank account you need to go to a bank in person. Before you go, make sure you:

• Have registered with the Swedish Tax Agency
• Can identify yourself

Uppsala International Hub collaborates with two banks in Uppsala to help make the process clearer and more accessible for international talents. You are free to choose the bank that suits you best.

SEB (Skandinaviska Enskilda Banken)

SEB offers a centralized process for international customers, regardless of country of origin. Applications can be handled whether you have a Swedish personal number, Swedish ID card, coordination number, or foreign passport.

Estimated processing time is approximately 3–4 weeks from complete application to active services, provided no additional documentation is required.

You can find detailed guides depending on your situation here:

• Apply as a new customer
• If you have a Swedish personal number and Swedish ID card
• Guide for international students

Handelsbanken Uppsala City

Through our collaboration with Handelsbanken Uppsala City, international talents can receive support when applying to become a customer.

Depending on your status (EU / non-EU, Swedish personal number, residence permit, etc.), different documentation may be required.

Estimated processing time is approximately 7–10 working days once documentation has been reviewed. Meeting appointments are typically available within 3–4 weeks through the collaboration.

• More information about becoming a customer
• For general information in English

Get to know Swish

In cash-free Sweden you’ll hear people saying “I’ll Swish you!” all the time. Swish is a popular payment app, similar to Venmo in the US, that lets you instantly send money to anyone else who has the app. You can even pay with Swish in some shops.

Get a Bank ID

Bank ID is a quick and simple way to identify yourself online, confirm online payments and approve transactions.

Paying your bills

Can I pay a Swedish bill without a Swedish bank account? Yes. Forex bank and other services can help you get it paid, although they will charge a fee for handling the payment.

Curious about cost of living in Sweden?

Living costs in Sweden ranks quite normal amongst countries in Western Europe. There are several international web sites comparing costs in different countries.