Complete Guide: How To Get BankID in Sweden

What is BankID in Sweden?

BankID is Sweden's leading electronic identification system, boasting a 94% usage rate among smartphone users, making it the most popular service of its kind. The most commonly used version of BankID is Mobile BankID, which is a smartphone-based app solution.

How to Get BankID in Sweden: Step-by-Step

Step 1: Obtain a Swedish Personal Identity Number

The first and most important step is getting your Swedish Personal Identity Number, or Personnummer as it’s called in Swedish. This is issued by the Swedish Tax Agency (Skatteverket), and here’s what you need to do:

1. Visit Skatteverket: Locate your nearest Skatteverket office or book a time digitally.
2. Bring Required Documents: Ensure you have your passport, residence permit, and proof of address in Sweden. You might also need your employment contract or study certificate if applicable.
3. Complete the Application: Fill out the application form provided by Skatteverket. The process can take a few weeks, so apply as soon as possible.

We’ve outlined the full process more in detail in our Guide: How To Get A Swedish Personal Identity Number.

Step 2: Apply for a Swedish ID Card

Once you have your Swedish Personal Number, you can apply for a Swedish ID card at Skatteverket. This card will be your primary ID within Sweden, and it’s essential for daily activities.

1. Make an Appointment: Book an appointment at Skatteverket.
2. Submit Your Documents: Provide your Swedish Personal Number, a valid passport, and a photo (it’s usually possible to take a photo at the office).
3. Wait for Issuance: The ID card is typically ready within a few weeks.

Step 3: Choose a Bank

Selecting the right bank is crucial as not all banks offer BankID services, although most banks do. Some of the major banks in Sweden offering BankID services include:

• Swedbank
• Danske Bank
• ICA Banken
• Nordea
• SEB
• Skandiabanken

Consider your preferences for online banking versus in-person services. For instance, if you prefer physical branches, banks like Nordea or Swedbank might be suitable. If you prefer online banking, banks like ICA Banken offer great digital services.

Step 4: Open a Bank Account

With your Swedish Personal Number and Swedish ID card, you can now open a bank account. Here’s a general process, though it might vary slightly between banks:

1. Gather Required Documents: Typically, you’ll need your Swedish Personal Number, Swedish ID card, proof of employment or study, and sometimes your tenancy agreement.
2. Visit the Bank or Apply Online: Depending on the bank, you can either visit a branch or complete the application online.
3. Activate Internet Banking: Make sure you set up internet banking services to manage your account online.

Note: The requirements and process here are outlined regarding the ability to get Bank-ID. You don’t need a Swedish Personal Number or Swedish ID to only open up a bank account in Sweden.

Step 5: Obtain Your BankID

Once your bank account is set up, you can request a BankID. This can be done through your bank’s online services or by visiting a branch. Here’s how:

1. Log into Online Banking: Navigate to the BankID section of your bank’s online platform.
2. Follow the Instructions: Your bank will provide a step-by-step guide to setting up your BankID, which may include verifying your identity using your Swedish passport or national ID card.
3. Download the BankID App: For Mobile BankID, download the app on your smartphone and complete the activation process.

Tips for a Smooth Process

• Prepare Your Documents: Ensure all your documents are current and properly formatted to avoid delays.
• Digital Verification: If you don’t have a Swedish passport or national ID card, contact your bank for alternative verification methods.
• Mobile BankID: This version is highly recommended as it allows you to use your BankID on your smartphone, providing greater flexibility.

If You Face Any Issues Getting BankID

If you encounter issues at any stage, don’t hesitate to contact your bank’s customer service for help. They can provide guidance and support, ensuring you complete the process successfully. If you’re missing any documents, consider contacting a notary in Sweden to verify and notarize documents from your home country.

Summary of How To Get BankID in Sweden

Securing a BankID in Sweden involves several steps but is essential for accessing various services in the country. Start by obtaining your Personnummer and Swedish ID card, choose a suitable bank, open an account, and then request your BankID.

For more detailed information, you can visit resources like the BankID website, the Swedish Tax Agency (Skatteverket) and the websites of the major banks in Sweden​.