Become a banking customer

Become a customer in a customer-owned bank

Everything you need in one package

When you become a banking customer, you receive everything you need in one package. The package is called Bekväma vardagen (comfortable living).

With Bekväma vardagen, you can manage your finances simply and comfortably. You get access to a private account with an associated bank card and more services that we tell you more about below.

What does it cost?

You pay a monthly fee of SEK 25, and that's it.

Need help opening an account?

If you want to change banks to us, we will take care of all of the practical details for you. We will contact your current bank and arrange everything.

If you want us to help you in English, please give us a call, or visit any of our offices.

If you have a personal identity number and a BankID, you can easily apply online. (only avaliable in Swedish).

Apply online

Don't you have a Swedish personal identity number?

Are you a citizen within EU & EEA but don’t have a personal number in Sweden yet? Here is a guide that describes how you can become a customer in our bank and what kind of documents you need.

Prepare required documents

Passport
Document that shows your address, for example, documentation from a Swedish or foreign authority, (it has to be for a service that is related to your address, for example rent document or electricity bill).

Visit the local office

To open an account, you need to make an appointment at the local office. Make sure you have the required documents with you and a valid ID documents for identification, for example passport. Before we can open an account, we need to make sure that we get to know you and understand your needs of an account.

This is what you get when you become a banking customer

Personal account: Your salary can be paid directly into your private account.
Bank card: The bank card is linked to your personal account, so your purchases and withdrawals are taken directly from your account.
BankID for mobile phone and computer: You need a BankID to identify yourself when logging into the mobile app and internet banking, and for various transactions. If you don't have a Swedish personal identity number you will get a Mobile Security ID.
Swish: Swish is a service which enables you to send and receive payments quickly and securely via your mobile phone. To get started you need to link your personal account to your mobile phone number in our mobile app or My pages, and download the Swish app. Then you can start using Swish.
Simplicity with our mobile app: Once you have downloaded our mobile phone app, you can see your balance, pay bills and make transfers instantly. You can also make a claim and temporarily block your card if you suspect you lost it. If you don't have a Swedish personal identity number, we refer you to My Pages to handle your banking matters.
Savings account: A savings account offers secure and simple saving with a low risk. You can deposit money into your savings account to save for unforeseen events. You have free withdrawals in all EU countries.
All of your finances via My pages: Here you can manage your transactions and gain a good overview of all of your finances. You can also start saving and apply for a loan here. If you have insurance and pensions, you can also see these.
Telephone banking: Use our telephone banking service to receive personal assistance from our advisors.

Capital bonus

If you also have your home insurance and/or a car insurance with us, for example, you can receive a capital bonus.

The security of money in the bank

It is comforting to have your money in the bank as your savings and personal account are covered by the state deposit insurance. This means that you are entitled to receive compensation if, for example, the bank were to go bankrupt or when the Swedish Financial Supervisory Authority decides that the guarantee should be relevant.

The bank is otherwise subject to the Swedish Banking Business Act, which means that we follow laws and rules and are inspected by the state.

Read about the state deposit insurance at the Swedish National Debt Office

Read about the Swedish Banking Business Act (in Swedish)

If something happens

Block card

If you lose your card, you can block it any time, 24/7.

Call 08-588 400 11

(+46 8 588 400 11 from abroad)

If you have misplaced your card, you can block it temporarily in the mobile app or via My pages.

Be more secure online by taking responsibility for your digital security.

Never give out your PIN code

Store your card reader and PIN securely and separately.
Never give out your PIN or the password for your card reader or BankID.
Never sign for someone else using a card reader or your BankID.
Never give out your login details if you are contacted via telephone, chat, text message or e-mail. Länsförsäkringar never contacts its customers asking for verification using Mobile BankID, nor for their login details or card number.

Read more about ISK account (Investment savings account) and how to take out a mortgage.

Read more about our terms and conditions for bank customers (only avaliable in Swedish).