Opening a bank account in Sweden
From choosing a service to preparing information and following up: distinguish a payment account from digital services and credit.
What to know
Finansinspektionen describes a right to a basic payment account for consumers resident in the EEA. Identity verification and anti-money-laundering requirements still apply. This does not mean automatic approval of every additional service, credit product or BankID.
Prepare before starting
- Prepare identification and information about your residence.
- Explain the account’s purpose, income and origin of funds.
- Ask which documents the bank accepts in your circumstances.
- List your needs for an account, card, online banking and other services separately.
A practical step-by-step approach
- Find the application and appointment process through the bank’s official channel.
- Separate basic account charges from optional package costs.
- Provide accurate information; ask about acceptable alternatives if a document is missing.
- Keep your reference number and a record of submitted documents.
- If refused, ask for the reason and complaints route, then seek independent guidance.
Different circumstances and cautions
Do not pay an intermediary promising guaranteed approval. Never share passwords, codes or BankID approvals. Dorehami does not collect banking or identity documents for this guide.
A common question
Is it impossible without a personnummer?
Lacking a personnummer is not the same as being unable to prove identity. The bank must assess the circumstances and acceptable documentation.
Official sources and review date
Sources checked on 19 October 2026. Read the current official page before acting.