Banking services

If you have been granted a residence permit under the Temporary Protection Directive, you are entitled to open a Swedish bank account. To become a Swedish bank customer, you must be able to prove your identity and answer the question why you need a bank account.

Ukrainian refugees can open a bank account in Swedish banks. Some of the most popular banks in Sweden include Svenska Handelsbanken, Swedbank, SEB and Nordea.

You should be able to confirm yours
a person

You can identify yourself with a valid foreign passport.

Now it seems that most banks do not accept a document certifying the identity of a resident of Ukraine, but accept a biometric passport.

  1. Employment contract
  2. Coordinating number на шархі з Skatteverket
  3. Passport
  4. Residence permit vid Migration Agency (LMA)

You should explain why you need the bank account and how you will use it. Examples of use: receiving wages.


Unfortunately, without a work contact, Swedish banks usually refuse to open a bank account for people with a coordination number.

  1. Contact your chosen bank in person to open an account. Prepare all the necessary documents and fill out the application form. You may also need to provide additional information about the source of your income.
  2. After checking the documents and fulfilling all the bank's requirements, you will be asked to sign the account opening agreement.
  3. After successfully opening an account, you will be issued a bank card in about two weeks.

"Säkerhetsdosa" is a device used in Swedish banks to ensure security when using internet banking and making online transactions. Due to the lack of possibility to use BankID, this is the only way for Ukrainians with a coordination number to access Internet banking.


This device is an electronic device with a screen that generates one-time codes or signatures to authenticate customers and confirm their transactions. The generated codes can be used to access online banking, sign electronic transactions or confirm money transfers.

Choosing the best bank depends on your individual needs and requirements.

Due to the lack of a social security number for Ukrainian refugees, there is, accordingly, no possibility of using BankID, which is required for all online purchases.


Swedbank is the only Swedish bank that offers the possibility to pay for a purchase on the Internet with confirmation via a phone message. So, for many, this is the most optimal option.

  1. Go to the computer version of Internet banking, to your bank account.
  2. Select the Kort section.
  3. Next to the image of the card is the inscription Detalier&Inställningen, follow the link.
  4. There is an inscription Internetköp in the Kortsällningen column. Enable this function.
  5. Here you need to enter your phone number and come up with a password that you need to enter every time to confirm your purchase.
  6. The next time you make a purchase on the Internet, choose a purchase through Lösenord, enter your password, and receive a message from the bank via a message on your phone.

Ukrainian refugees receive daily payments through the Kontantkort card. ICA banks. Use of this card is extremely limited.

With the card you can:

  • to pay in stores, gas stations;
  • withdraw cash

The card cannot:

  • use for online shopping;
  • pay invoices;
  • transfer funds to another account;
  • replenish;
  • use outside of Sweden
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