20. Banking, insurance and telephone and internet services

20.1 Bank services

Proof of identity and an address are required to open a bank account and obtain a bank card. The account holder's address does not have to be Swedish and can be a 'care of' address. Some banks also require a reference from a bank where the person previously has been a customer.

Some banks require a personal identity number (for individuals) or an organisation registration number (for embassies and other international entities). Organisation registration numbera are issued by the Swedish Tax Agency. If the bank account is intended for the Embassy, only authorised embassy staff may sign.

Banks in Sweden are private undertakings and make their own commercial decisions. We recommend diplomats to be in close contact with several banks.

Also, banks in Sweden are required to monitor and assess international transactions in accordance with applicable legislation, including sanctions regulations and anti-money laundering frameworks. As a result, transfers to certain countries may be subject to delays or restrictions.

Further information on becoming a bank customer:

Finance Sweden: Becoming a bank customer - external website,

There are several banks in Sweden. Most banks are members of Finance Sweden, which provide a list of its members and contact details.

To facilitate the dialogue between the diplomats and Swedish banks, Finance Sweden has issued an information package that provides information about access to bank accounts and payment services in Sweden for foreign embassy staff. 

Finance Sweden: Becoming a bank customer – guide for foreign embassy staff - external website,

Banks in Sweden are under the supervision of the Swedish Financial Supervisory Authority.

Swedish Financial Supervisory Authority - external website,

20.2 Telephone and internet services

Here you can find and compare internet and telephone services available in Sweden: 

• Bredbandsval.se  - external website,
• Telephone service providers - external website,
• Mobile operators in Sweden  - external website,

Certain services offered by broadband and telephone service providers require that the subscriber is registered in the Swedish Population Register for the purpose such as invoicing. Therefore, diplomatic staff members are not able to subscribe to those services. In such case, the diplomatic staff member should contact another provider. 

20.3 Insurance

Third party liability insurance (trafikförsäkring) is mandatory for all motor vehicle owners.

Private servants must be covered by a health and accident insurance (hälso- och olycksfallsförsäkring) to qualify for a visa.