How to open a bank account in Sweden without personal or coordination number?

Bank Officers in Sweden declines students or new arrivals to open bank account but what they are doing is actually against the law and regulations. If you can prove your identity then you are entitled to have a bank account. Please show these references even print them when you visit bank offices:

This is from Swedish Bankers’ Association where almost all major banks are member and represents 31 banks in Sweden (I listed them below).

Association also explains that: you have entitlement to a bank account:

Entitlement to a bank account


“In principle, the ability to have access to a bank account covered by the State’s deposit guarantee scheme, and to basic payment services, is open to everyone. This applies regardless of your citizenship and whether or not you have a Swedish personal identity number.”

: https://www.swedishbankers.se/en-us/bank-customers/becoming-a-bank-customer/becoming-a-bank-customer/

Italics are done by me: You can also see the fact sheet in 22 languages.

Identification

You must always be able to identify yourself.

  1. You can identify yourself with a valid Swedish identification document, such as a passport, a national identity card or a BankID. You can also identify yourself with a Swedish driving licence.

  2. If you do not have Swedish identification documents, you can identify yourself with a valid foreign passport or other photographic identification document that shows your citizenship. This must be issued by an authority or some other authorised issuer. Note that the bank may request that you also present other documents.

  3. If you do not have valid identity documents, you must prove who you are and your citizenship by means of other documents from an independent and reliable source.


This is also from Swedbank website FAQ:

How do I become a customer at branch office: https://www.swedbank.se/en/private/become-a-customer.html


You are welcome to visit any of our branch offices to become a customer. To become a customer, you need to prove your identity.

If you have a Swedish social security number, you must identify yourself with a valid Swedish identity document.

If you lack a Swedish social security number, you must identify yourself with a valid foreign national passport in the original showing your citizenship.

If you are from Ukraine and covered by the EU Temporary Protection Directive, you need to bring:

  • Your residence permit card from Migrationsverket (The Swedish Migration Agency).
  • A register extract from Skatteverket (The Swedish Tax Agency) showing coordination number and address.
  • Your passport.

Search for your nearest branch office by entering your town or city in the search field below “Offices of Swedbank and Savings banks”. If you do not speak Swedish or English – bring an interpreter.

For countries that are part of the Schengen Agreement, an equivalent to the Swedish national ID card indicating your nationality is also valid. When you present a foreign ID, your identity needs to be corroborated with an additional document, such as residence permit, employment contract, a salary statement or a financial overview or account statement from your current bank.

We might ask you to bring additional documents if needed.”

I am also listing banks that are member of the association (as of June 2023)


Avanza Bank
Box 1399
111 93 Stockholm
Tel +46 (0)8-562 250 00

BlueStep Bank
Box 23138
104 35 Stockholm
Tel ++46 (0)8-501 004 00 

Citibank Europe plc, Sverige (branch)
Box 1422
111 84 Stockholm
Tel +46 (0)8-723 34 00

Collector Bank
Box 1191
4404 39 Göteborg
Tel: +46 (0)10-161 00 00

Crédit Agricole (branch)
Box 7734
103 95 Stockholm
Tel +46 80)8-796 69 00

Danske Bank Sverige (branch)
Box 7523
103 92 Stockholm
Tel +46 (0)752-48 00 00

Deutsche Bank (branch)
Stureplan 4 A
114 87 Stockholm
Tel +46 (0)8-463 55 00

DNB Bank (branch)
Regeringsgatan 59
111 56 Stockholm
Tel ++46 (0)8-473 41 00

Forex Bank
Kornhamnstorg 4
111 27 Stockholm
Tel +46 (0)8-587 607 00

Handelsbanken
KungstrÀdgÄrdsgatan 2
106 70 Stockholm
Tel +46 (0)8-701 10 00

ICA Banken
171 93 Solna
Tel +46 (0)8-585 505 00

Ikano Bank
Box 21066
200 21 Malmö
Tel +46 (0)476-88 000

Landshypotek Bank
Box 14092
104 41 Stockholm
Tel+46 (0)8-459 04 00

LĂ„n & Spar Bank
Box 4114
203 12 Malmö
Tel +46 (0)40-205 600

LÀnsförsÀkringar Bank
106 50 Stockholm
Tel +46 (0)8-588 416 00

Marginalen Bank
Box 26134
100 41 Stockholm
Tel +46 (0)8-412 65 00

MedMera Bank
EnglundavÀgen 4
171 88 Solna
Tel +46 (0)10-742 00 00

Nordax Bank
Box 23124
104 35 Stockholm
Tel +46 (0)8-508 808 00

Nordea Bank
105 71 Stockholm
Tel +46 (0)8-614 70 00

Nordnet Bank
Box 14077
167 14 Bromma
Tel +46 (0)8-506 330 00

OK-Q8 Bank
Box 23900
104 35 Stockholm
Tel +46 (0)8-506 800 00

Resurs Bank
Box 222 09
250 24 Helsingborg
Tel +46 (0)42-38 20 00

Santander Consumer Bank (branch) 
FE 302
182 82 Stockholm
Tel +46 (0)8-559 510 00

SBAB Bank
Box 27308
102 54 Stockholm
Tel +46 (0)771-45 30 00

SEB
106 40 Stockholm
Tel +46 (0)8-763 80 00

SkandiaBanken
106 55 Stockholm
Tel +46 (0)8-463 60 00

Svea Bank
Box 3028
169 03 Solna
Tel +46 (0)8-616 99 00

Swedbank
105 34 Stockholm
Tel +46 (0)8-585 900 00

Volvofinans Bank
Box 198
401 23 Göteborg
Tel +46 (0)31-83 88 00

Ålandsbanken Sverige (branch)
107 81 Stockholm
Tel +46 (0)8-791 48 00

Finance Companies

Handelsbanken Finans
106 35 Stockholm
Tel +46 (0)8-701 46 00

Nordea Finans
103 82 Stockholm
Tel +46 (0)8-787 65 00

Wasa Kredit
Box 6740
113 85 Stockholm
Tel +46 (0)8-635 38 00

Mortgage Institutions

Nordea Hypotek
105 71 Stockholm
Tel +46 (0)8-463 70 00

LÀnsförsÀkringar Hypotek
106 50 Stockholm
Tel +46 (0)8-588 400 00

Stadshypotek
103 70 Stockholm
Tel +46 (0)8-701 54 00

Swedbank Hypotek
106 11 Stockholm
Tel +46 (0)8-585 921 00

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