![]() ![]() So all in all, we got our accounts really fast. She also postponed account payment for me for around a month and a half, in order for my first salary to arrive. Then during the process she decided that she would open an account for me as well and transfered some of her other tasks to a colleague. My wife asked if it was possible for them to create account for her at least since she already hand 1 salary that was due and lady agreed. They initially told us we have to schedule it. My wife and I came, with contracts and ID cards. When you get your personal number and Swedish ID card, you can apply for a bank account at different branches and you will have a much easier time with payment and login processes.I actually have really good experience with Swedbank. It seems like a lot of effort and hassle, however, it is worth getting a BankID, especially if you intend on staying longer in Sweden. BankID is one of the frustrating aspects of Swedish bureaucracy and immigration processes that definitely affects people who want to settle in Sweden and intend to stay here for a longer time. Now, the customers need a national ID or Swedish passport issued by the Swedish police, which immigrants cannot get as The Local reported earlier. Although the Swedish ID card issued by the Tax Agency is the only identification available to immigrants, some banks have been rejecting this card as valid identification. Besides that, Swedish banks have recently started to make the process of getting a BankID and Swedish bank account even more difficult. It does seem more like a compulsory integrative measure that is used to exclude certain people instead of a handy addition. Considering the process of getting a Swedish ID card, the concept of BankID might be great for Swedish citizens and immigrants that finally get it, but it makes settling in Sweden arduous. Compared to My Pages, reporting the change of address would take a couple of seconds. To report my change of address, I had to print and mail the necessary form, which took me a couple of hours since I do not have a printer at home and had to travel all the way to university for that. For those websites, of course, there are other options if you don’t have an option for e-identification, but those are usually more expensive or time-consuming. Even the Swedish Migration Agency (Migrationsverket) uses My Pages. However, for this, you either need a BankID, Freija eID, or any online option for your national ID card. Websites of public services usually use the function of My Pages where people can log in and change details, book appointments and apply, for instance, for student funds. When I had to get home insurance for my current tenancy, I had to sign up for more expensive insurance, as the student discounts were only available for BankID holders. ![]() Without a BankID, some students’ discounts aren’t available to you and making payments might be more expensive for you because of international fees. For that, you also need a BankID, otherwise, you can’t open a Swish account, and since Swish is much more common among Swedish people than Paypal it can be difficult to pay people back if you do not have a Swish account. Moreover, you can get Swish – the Swedish version of Paypal, basically. BankID can be used for online identification, payments, and signing legal documents. In the meantime, you can be blocked out of several services. Getting your ID card can take a couple of months due to waiting times at the Tax Agency (Skatteverket), which is where you apply for your ID. In addition, to get a Swedish bank account, you need not only a personal number but also a Swedish ID card – the personal number does not suffice. ![]() There’s the first issue: getting the information on how to open an account as a foreigner who doesn’t already have a BankID can be quite challenging, as the websites of any Swedish bank doesn’t cater to people like that. As the ID is linked to a bank account, you essentially need a Swedish bank account and a personal number (personnummer). It is quite a process to finally obtain a Swedish BankID. The online service BankID is described as a “ highly trusted digital identification service for Swedish citizens.” However, the emphasis is on Swedish citizens. So how can something so important to everyday Swedish life be so difficult to get for international students? #studietid’s Franziska Trumpp explores the time-consuming process of getting a Swedish BankID and comes to the conclusion that despite the difficulties, it is worth the effort. BankID simplifies login and payment processes. ![]()
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