Swish: Everyday Mobile Payments in Sweden
NEW TO SWEDEN
From splitting a dinner bill with friends to paying small businesses or service providers, Swish has become an essential part of daily life in Sweden.
What is Swish?
Swish is Sweden’s most widely used mobile payment app, designed to make everyday payments fast, simple, and secure. It is developed by major Swedish banks in collaboration with the Swedish banking system. It connects directly to your bank account and allows money to be transferred instantly between users.
What do people use Swish for?
Swish is used for a wide range of personal and small-scale payments, including:
Splitting restaurant or café bills
Paying friends or family
Paying small businesses, freelancers, or service providers
Buying items at markets or second-hand sales
Depositing money in financial accounts
How to get Swish
Before you can start using Swish, you need to meet a few requirements.
1. A Swedish bank account
Swish is connected directly to Swedish banks. You must have an active bank account with a bank that supports Swish (most major banks do). See the full list of connected banks here.
2. BankID
BankID is required to activate and approve Swish payments. It is used to verify your identity and authorize transactions securely.
3. A Swedish phone number
Your phone number is what others use to send you money, so it must be registered and linked to your Swish account.
The table below shows the list of banks connected to Bank ID and/or Swish.