---
title: BankID Mobile Enrollment for Newcomers in Sweden
country: sweden
service: "bankid-mobile-enrollment"
category: identification
difficulty: moderate
estimated_time: "Same-day to a few days for the BankID activation itself once you are an existing customer at an issuing bank with a Swedish-issued ID document; end-to-end from arrival in Sweden the realistic floor is 6-12 weeks (4-8 weeks for personnummer assignment + 1-3 weeks for bank-account opening + same-day to a few days for the BankID order and activation)"
cost_range: "SEK 0-400"
last_verified: 2026-05-18
canonical: https://publicservices.guide/bankid-mobile-enrollment-as-newcomer-prerequisite-chain/
status: current
confidence: low
tags:
  - bankid
  - "e-legitimation"
  - personnummer
  - "mobilt-bankid"
  - skatteverket
  - utfardarbank
  - newcomer
  - identity
sources:
  - https://www.swedbank.se/privat/digitala-tjanster/mobilt-bankid/fragor-och-svar-om-mobilt-bankid.html
  - https://www.skatteverket.se/servicelankar/otherlanguages/englishengelska/individualsandemployees/livinginsweden/swedishtaxagencyidentitycards.4.7da1d2e118be03f8e4f30bb.html
  - https://www.skatteverket.se/servicelankar/otherlanguages/inenglishengelska/individualsandemployees/coordinationnumbers.4.1657ce2817f5a993c3a7d2a.html
  - https://www.bankid.com/en/individuals/get-bankid
  - https://en.wikipedia.org/wiki/BankID_(Sweden)
---

# BankID Mobile Enrollment for Newcomers in Sweden

**Country:** 🇸🇪 Sweden  
**Last verified:** 2026-05-18  
**Estimated time:** Same-day to a few days for the BankID activation itself once you are an existing customer at an issuing bank with a Swedish-issued ID document; end-to-end from arrival in Sweden the realistic floor is 6-12 weeks (4-8 weeks for personnummer assignment + 1-3 weeks for bank-account opening + same-day to a few days for the BankID order and activation)  
**Cost:** SEK 0-400

## Required documents

- **Personnummer (Swedish personal identity number)** *(personnummer)*
  - Issuer: Skatteverket (Swedish Tax Agency), assigned after folkbokföring (population registration)
  - Wait time: Typically 4-8 weeks after a complete application, longer in peak periods
  - Evidence: Skatteverket correspondence or a registerutdrag (population-register extract) showing the personnummer
  - _Note:_ Most issuing banks will not open a personal account without a personnummer. Coordination-number holders face significant restrictions — see the FAQ.
- **Swedish-issued identity document (preferred)**
  - Accepted documents: Swedish passport, Swedish national ID card issued by the Swedish Police, Swedish driving licence, or Skatteverket id-kort
  - Function: Strongest evidentiary KYC document for the issuing bank; accepted directly without additional attestation
  - _Note:_ The Skatteverket id-kort is the most common Swedish-issued ID option for newcomers without a Swedish passport. Application fee is 400 SEK paid via Bankgiro 389-0100.
- **Foreign passport + registerutdrag (alternative)** *(registerutdrag)*
  - Function: Acceptable alternative KYC at most issuing banks, paired with a registerutdrag from Skatteverket showing the personnummer
  - Registerutdrag cost: Free; obtainable via Skatteverket service centre, telephone, or post
  - Process note: May trigger an in-person branch visit instead of the fully digital flow
  - _Note:_ Swedbank's FAQ documents the registerutdrag + foreign-ID path explicitly: registerutdrag från Skatteverket som visar ditt personnummer samt en godkänd utländsk id-handling.
- **Smartphone with NFC reader**
  - Minimum OS: iOS 16 or later, or Android 9 or later (from March 2026 per the announced BankID protocol change)
  - Function: Required for the BankID säkerhetsapp activation and for the digital onboarding flow at issuing banks that read the foreign passport chip via NFC
  - _Note:_ If your phone lacks NFC, Swedbank's FAQ states you will need to visit a bank branch in person for help obtaining Mobilt BankID.
- **Activation code (engångskod)** *(engångskod)*
  - Issuer: The bank, via online banking, post, or in-branch handover
  - Function: One-time code entered into the BankID säkerhetsapp during activation
  - Validity: Bank-specific window; request a fresh code if the issued one has expired
- **Account at a BankID-issuing bank** *(utfärdarbank)*
  - Supported issuers: Danske Bank, Handelsbanken, ICA Banken, Länsförsäkringar Bank, Nordea, SEB, Skandiabanken, Sparbanken Syd, Swedbank, Ålandsbanken
  - Onboarding time: 1-3 weeks from booked appointment to active account (bank-specific)
  - _Note:_ Neobanks such as Revolut, Wise, and N26 are not BankID issuers — confirm the bank you choose is on the Finansiell ID-Teknik consortium list before booking the appointment.

## Costs

- **BankID issuance (Mobilt BankID for an existing bank customer):** 0 SEK — Included in the bank's standard account product at the ten issuing banks; no separate issuance fee for retail customers
- **Skatteverket id-kort application (optional):** 400 SEK — waived if You already hold a Swedish passport, Swedish national ID card, or Swedish driving licence and do not need the id-kort for KYC — Fee paid before booking the in-person appointment at a Skatteverket service centre. Standing fee through 2025-2026; future annual revisions publish on the Skatteverket id-kort page.
- **Registerutdrag (population-register extract from Skatteverket) (optional):** 0 SEK — Free; obtainable via Skatteverket service centre, telephone, or post when needed as the personnummer evidence at the bank
- **BankID re-issuance for a new device (existing bank customer) (optional):** 0 SEK — Typically free at the issuing bank; bank-specific policies apply

## Steps

### 1. Register at Skatteverket and Obtain a Personnummer *(folkbokföring)*

- (Applicant) Apply at Skatteverket within one week of arrival on form SKV 7665 (or SKV 7613 for the EU-citizen equivalent), bringing passport, residence permit (if applicable), proof of address, and supporting documents such as the employment contract or marriage certificate where the basis for registration depends on family ties.
- (Skatteverket) Assess the right-of-residence basis for folkbokföring — typically a residence permit, EU-citizen right of residence, or EEA self-sufficiency plus intent to stay one year or more.
- (Skatteverket) Assign the personnummer; correspondence arrives by post, and a registerutdrag (population-register extract) can be requested as evidence.

> **Tip:** The personnummer queue is 4-8 weeks under normal load and longer in peak periods. There is no fast-track. Plan accordingly with a foreign-card or e-money product for the gap period.

_Links:_
- [Skatteverket — Tax Agency Identity Cards (EN)](https://www.skatteverket.se/servicelankar/otherlanguages/englishengelska/individualsandemployees/livinginsweden/swedishtaxagencyidentitycards.4.7da1d2e118be03f8e4f30bb.html)

### 2. Apply for the Skatteverket id-kort (Optional but Recommended) *(id-kort)*

_Applies when: If you do not hold a Swedish passport, Swedish national ID card, or Swedish driving licence_

- (Applicant) Pay 400 SEK via Bankgiro 389-0100 with the personnummer noted before booking the appointment.
- (Applicant) Book an appointment at a Skatteverket service centre. Per the Skatteverket Tax Agency Identity Cards page, "to apply for a Tax Agency identity card, you must be at least 13 years old, be listed in the Swedish Population Register, and have a Swedish personal identity number."
- (Applicant) Attend in person with valid identity evidence — Swedish passport, Swedish national ID card issued by the Swedish Police, Swedish driving licence, Swedish professional ID card, or a valid EU/EEA passport or national ID meeting security standards — or have identity attested by an intygsgivare (spouse, registered partner, adult relative, parent, guardian, grandparent, employer of one year or more, or a municipal/public-authority official with a professional relationship to you).
- (Skatteverket) Issue the id-kort, typically within about two weeks, longer if investigation is needed. The card is collected in person within two months of issuance and is valid for 5 years; cards issued since June 2022 carry integrated eID functionality from AB Svenska Pass.

> **Tip:** The Skatteverket id-kort is the most universally bank-accepted Swedish-issued ID document for newcomers without a Swedish passport. Apply for it before booking the bank-account appointment if the bank's KYC flow requires a Swedish-issued document.

_Links:_
- [Skatteverket — Tax Agency Identity Cards (EN)](https://www.skatteverket.se/servicelankar/otherlanguages/englishengelska/individualsandemployees/livinginsweden/swedishtaxagencyidentitycards.4.7da1d2e118be03f8e4f30bb.html)

### 3. Open an Account at a BankID-Issuing Bank *(utfärdarbank)*

- (Applicant) Choose an issuing bank from the ten that issue retail BankID — Danske Bank, Handelsbanken, ICA Banken, Länsförsäkringar Bank, Nordea, SEB, Skandiabanken, Sparbanken Syd, Swedbank, or Ålandsbanken — and book an account-opening appointment.
- (Applicant) Bring personnummer evidence (registerutdrag or Skatteverket correspondence), a Swedish-issued ID document or the Skatteverket id-kort (or foreign passport plus registerutdrag), proof of address, and proof of legal residence basis such as residence permit or work permit.
- (Issuing bank) Apply EU anti-money-laundering KYC and the bank's own onboarding policy. Account opening typically takes 1-3 weeks from appointment to active account; some banks issue the debit card and online-banking access immediately.

> **If this fails:** Holders of a samordningsnummer are historically excluded from BankID at major Swedish issuing banks. Per Swedbank's own FAQ, "Det går inte att skaffa ett Mobilt BankID med Samordningsnummer eftersom du behöver ha ett svenskt personnummer." A 2022-2023 Skatteverket statutory framework introduced three identity-assurance levels — styrkt, sannolik, and osäker — with the intent of letting styrkt-level coordination-number holders unlock BankID, but issuing-bank take-up has been incremental and bank-specific. Plan for the personnummer route and treat coordination-number-only BankID as an exception, not a reliable path.

### 4. Order Mobilt BankID Through Your Bank *(Mobilt BankID)*

- (Applicant) Log into the bank's online banking using temporary access credentials, a security-token (säkerhetsdosa or bankdosa), or the bank's mobile app. At Swedbank the path is to tap Ändra inloggningssätt and then Beställ nytt Mobilt BankID in the Swedbank Privat app, or to navigate the equivalent flow in internet banking on a computer; SEB, Handelsbanken, Nordea, and Länsförsäkringar Bank follow analogous flows.
- (Issuing bank) Run the identity-verification step. This may be a fully digital flow that reads the chip of a Swedish or EU/EEA passport via NFC on the smartphone, or a branch visit if the digital flow is not available or if the evidentiary documents do not pass the digital flow.
- (Issuing bank) Issue an activation code (engångskod) via online banking, by post, or in-branch handover, along with confirmation of contact details such as phone and address.

> **Tip:** Swedbank's FAQ confirms the foreign-passport route: "Registerutdrag från Skatteverket som visar ditt personnummer samt en godkänd utländsk id-handling." If you are using this alternative, expect the bank to schedule a branch visit unless your phone supports the NFC chip-reading flow.

_Links:_
- [Swedbank — Mobilt BankID FAQ](https://www.swedbank.se/privat/digitala-tjanster/mobilt-bankid/fragor-och-svar-om-mobilt-bankid.html)
- [BankID — get BankID (canonical)](https://www.bankid.com/en/individuals/get-bankid)

### 5. Activate the BankID säkerhetsapp on Your Phone *(säkerhetsapp)*

- (Applicant) Install the BankID säkerhetsapp from the Apple App Store or Google Play; the app is published by Finansiell ID-Teknik BID AB. From March 2026, iOS 16 or later or Android 9 or later is required.
- (Applicant) Open the app, select Aktivera BankID, enter the personnummer and the activation code (engångskod) issued by the bank, and set a six-digit security PIN or biometric unlock to complete the activation.
- (Applicant) Confirm the BankID is active by testing a low-stakes authentication — for example, signing into Skatteverket Mina sidor or 1177 Vårdguiden. Per Swedbank's FAQ, the credential is valid for three years ("Det gäller i tre år") after which it must be renewed via the issuing bank.

> **Tip:** From 2024, BankID authorisation requires either scanning a QR-kod (QR code) on the consuming service or tapping an autostart button on the same device, then confirming with the security PIN or biometric. This change followed Finansinspektionen-driven fraud-prevention measures.

### 6. Use BankID Across Swedish Digital Services

- (Service consumer) Government portals that accept BankID include Skatteverket Mina sidor, Försäkringskassan, Migrationsverket, 1177 Vårdguiden, Pensionsmyndigheten, and Arbetsförmedlingen.
- (Service consumer) Banking and payment services that accept BankID include online banking at all ten issuing banks, the Swish mobile-payment service, and brokerage accounts.
- (Service consumer) E-services that accept BankID include digital signing tools such as Scrive and Oneflow, online commerce strong-customer-authentication flows, and employer identity-verification onboarding.

> **Tip:** Swish in particular uses BankID as its identity layer — you cannot have Swish without BankID, and both are required for most Swedish day-to-day digital commerce.

## FAQ

### Can I get BankID without a personnummer?

In general, no. Swedish issuing banks require a personnummer for BankID issuance. Per Swedbank's own FAQ: "Det går inte att skaffa ett Mobilt BankID med Samordningsnummer eftersom du behöver ha ett svenskt personnummer" (It is not possible to obtain Mobilt BankID with a coordination number because you need a Swedish personnummer). A 2022-2023 statutory change at Skatteverket introduced three identity-assurance levels for coordination numbers — styrkt, sannolik, and osäker — with the intent of letting at least styrkt-level coordination-number holders qualify, but bank take-up has been incremental and is not a reliable path as of May 2026.

### Which banks issue BankID in Sweden?

Ten banks issue retail BankID in Sweden as of May 2026: Danske Bank, Handelsbanken, ICA Banken, Länsförsäkringar Bank, Nordea, SEB, Skandiabanken, Sparbanken Syd, Swedbank (with the Sparbankerna savings-bank network), and Ålandsbanken. The full directory with contact details is published by Finansiell ID-Teknik at support.bankid.com under contact details for the banks.

### Does Revolut, Wise, or N26 issue BankID?

No. Revolut, Wise, and N26 operate in Sweden as e-money or payment institutions but are not part of the Finansiell ID-Teknik consortium and do not issue BankID. Using a foreign passport plus personnummer to identify at one of those neobanks does not produce a BankID — only the ten consortium-issuing banks issue the credential.

### How long does it take to get BankID after arriving in Sweden?

Typically 6-12 weeks end-to-end, broken into: 4-8 weeks for the personnummer assignment at Skatteverket; 1-2 weeks for the Skatteverket id-kort if needed for KYC; 1-3 weeks for the bank-account appointment and opening at an issuing bank; and same-day to a few days for the BankID order and activation. Variation depends on Skatteverket queue and the specific bank's workload.

### How much does BankID cost?

BankID itself is free at the ten issuing banks for existing retail customers. The supporting Skatteverket id-kort, often used as the Swedish-issued ID document for the bank's KYC step, costs 400 SEK paid via Bankgiro 389-0100. The registerutdrag from Skatteverket — used as evidence of the personnummer when paired with a foreign passport — is free.

### How long is a BankID valid?

Three years from activation, per Swedbank's FAQ (det gäller i tre år). After three years the credential must be renewed via the issuing bank. Swedish citizens with an active issuing-bank relationship typically renew in-app; non-Swedish citizens may face fresh KYC at renewal at some banks.

### Can I have BankID on more than one device?

Yes. Up to 3 active Mobilt BankID credentials can be held simultaneously across devices per Swedbank's public guidance. Activating a fourth typically requires revoking one of the existing three.

### Can I use BankID when I travel abroad?

Yes. Per Swedbank's FAQ, "Ja - du kan använda BankID i hela världen" (yes, you can use BankID worldwide), so long as the device has internet connectivity via 3G, 4G, 5G, or WiFi.

### What if I lose my phone with an active Mobilt BankID?

Call the issuing bank immediately to revoke the credential. The bank then provides a fresh activation code (engångskod) for the replacement device once you have obtained one.

### Will my older phone work with BankID after March 2026?

Only if it runs iOS 16 or newer on Apple devices, or Android 9 or newer on Android devices. Older operating-system versions lose BankID functionality after the announced March 2026 BankID protocol change.

## Local tips

- The ten supported issuing banks (utfärdarbank) for retail BankID as of May 2026 are Danske Bank, Handelsbanken, ICA Banken, Länsförsäkringar Bank, Nordea, SEB, Skandiabanken, Sparbanken Syd, Swedbank (including the Sparbankerna savings-bank network), and Ålandsbanken. Neobanks operating in Sweden such as Revolut, Wise, and N26 are not part of the Finansiell ID-Teknik consortium and do not issue BankID.
- Before arrival, set up a foreign-card or e-money product such as Revolut or Wise for everyday spending during the 4-8 week personnummer wait. The pre-personnummer phase has no fast-track to BankID.
- If your Swedish-registered name differs from the name on your foreign passport (married-name changes, transliteration differences), bring documentary evidence of the name change to the Skatteverket folkbokföring appointment and to the bank-account opening. KYC delays caused by name-mismatch are a common pitfall.
- From March 2026, the BankID security app requires iOS 16 or later or Android 9 or later. Older phones lose BankID functionality after that protocol change.

## Sources

- [Swedbank — Mobilt BankID frequently-asked-questions page](https://www.swedbank.se/privat/digitala-tjanster/mobilt-bankid/fragor-och-svar-om-mobilt-bankid.html) — accessed 2026-05-18 — _T1_ — Swedbank issues Mobilt BankID for personal customers and documents the eligibility and operational details. Coordination-number eligibility: Det går inte att skaffa ett Mobilt BankID med Samordningsnummer eftersom du behöver ha ett svenskt personnummer. Foreign-passport route: Registerutdrag från Skatteverket som visar ditt personnummer samt en godkänd utländsk id-handling. NFC requirement: Du behöver ha en smartphone med en NFC-läsare/kamera. Om du inte har det behöver du besöka ett bankkontor för att få hjälp med att skaffa Mobilt BankID. Validity period: Det gäller i tre år. Using BankID abroad: Ja - du kan använda BankID i hela världen. Multi-device limit of 3 active Mobilt BankID credentials and the age-12 upgrade from Mobilt SäkerhetsID to Mobilt BankID are both documented on Swedbank's public-facing pages.
- [Skatteverket (Swedish Tax Agency) — Tax Agency identity cards](https://www.skatteverket.se/servicelankar/otherlanguages/englishengelska/individualsandemployees/livinginsweden/swedishtaxagencyidentitycards.4.7da1d2e118be03f8e4f30bb.html) — accessed 2026-05-18 — _T1_ — To apply for a Tax Agency identity card, you must be at least 13 years old, be listed in the Swedish Population Register, and have a Swedish personal identity number. The application fee is 400 SEK paid via Bankgiro 389-0100 with personnummer noted before booking the in-person appointment at a Skatteverket service centre; the fee is non-refundable if denied. Identity must be provable through accepted Swedish or EU/EEA identity documents, or attested by an intygsgivare such as a spouse, registered partner, cohabiting partner of six months or more, adult child, grandchild, sibling, parent, guardian, grandparent, employer of one year or more, or a municipal/public-authority official with a professional relationship. Processing time is typically about two weeks, longer if investigation is needed. The issued card is valid for 5 years and is collected in person within two months of issuance. Cards issued since June 2022 carry integrated electronic identification (eID) functionality from AB Svenska Pass.
- [Skatteverket (Swedish Tax Agency) — coordination numbers](https://www.skatteverket.se/servicelankar/otherlanguages/inenglishengelska/individualsandemployees/coordinationnumbers.4.1657ce2817f5a993c3a7d2a.html) — accessed 2026-05-18 — _T1_ — A samordningsnummer (coordination number) is issued by Skatteverket to people who do not qualify for population registration (folkbokföring) but require a Swedish identifier for limited purposes. A 2022-2023 statutory change introduced three identity-assurance levels at Skatteverket — styrkt identitet (confirmed; in-person identity check at a service centre with passport and biometric capture), sannolik identitet (probable; cannot be confirmed in person but documentary evidence is provisional), and osäker identitet (uncertain; provisional, exceptional cases only). The intent of the styrkt level was to let coordination-number holders unlock services historically reserved for personnummer holders; bank take-up of BankID issuance to styrkt-level coordination-number holders has been incremental and bank-specific.
- [Finansiell ID-Teknik BID AB — BankID consortium canonical](https://www.bankid.com/en/individuals/get-bankid) — accessed 2026-05-18 — _T1_ — Mobilt BankID is the dominant variant of Sweden's national electronic identification (e-legitimation). It is operated by Finansiell ID-Teknik BID AB, a consortium-owned company headquartered in Stockholm. BankID is not issued by Finansiell ID-Teknik directly — it is issued by an utfärdarbank (issuing bank) that holds an agreement with the consortium. The supported retail issuing banks as of May 2026 are Danske Bank, Handelsbanken, ICA Banken, Länsförsäkringar Bank, Nordea, SEB, Skandiabanken, Sparbanken Syd, Swedbank (with the Sparbankerna savings-bank network), and Ålandsbanken in Sweden. The full directory with contact details is published at support.bankid.com under contact details for the banks. From March 2026, the BankID säkerhetsapp requires iOS 16 or later on Apple devices or Android 9 or later on Android devices per the announced BankID protocol change. The QR-code or autostart-token authorisation requirement at every BankID confirmation became mandatory in 2024 per Finansinspektionen-driven fraud-prevention measures and updated Finansiell ID-Teknik authorisation flows.
- [Wikipedia — BankID (Sweden)](https://en.wikipedia.org/wiki/BankID_(Sweden)) — accessed 2026-05-18 — _T2_ — BankID is Sweden's national-scale electronic identification service, first released in 2003. Mobilt BankID launched in October 2011 and is the dominant variant in active use, with widespread smartphone adoption. The consortium owners include Danske Bank, Handelsbanken, Ikano Bank, Länsförsäkringar Bank, SEB, Skandiabanken, and Swedbank historically; the broader set of banks that issue BankID to retail customers includes Nordea, ICA Banken, Sparbanken Syd, and Ålandsbanken among others. Three classes of BankID exist: Mobilt BankID installed in the BankID säkerhetsapp on a smartphone or tablet (the dominant variant); BankID på fil stored as a soft certificate on a computer hard drive (the original 2003 variant, increasingly legacy); and BankID på kort delivered as a smart card with chip and PIN used with a card reader (säkerhetsdosa or bankdosa). The consortium is regulated under Finansinspektionen for payment-services strong-customer-authentication under PSD2.

---

Verification pending — see the canonical page for the latest trust state.
Canonical: https://publicservices.guide/bankid-mobile-enrollment-as-newcomer-prerequisite-chain/