October 26, 2022
Quick Guide to swish
Once you get to Sweden, you will very quickly be confronted with the payment method swish. Here is a quick guide to what swish is, how you get it and where you can use it.
Swish is a swedish payment method similar to PayPal, which is more internationally known. But there significant differences. For one you need a swedish phone number, a swedish bank account and with it Bank ID to be able to use it. The phone number is connected to your account, so all you need for transfers is the phone number of the recipient. Also, any money you receive is directly available on your bank account, there is no separate swish balance. Same goes for payments you make; they are directly deducted. The swish app makes transfers really easy and notifies you with any payments you receive (it is also available in English). There are many different scenarios where it comes in handy:
For one you can easily use swish to pay your friends. So if you don’t want to split a bill right at the restaurant to save some time or they buy entry tickets all together or they get you something from a store you can simply put the recipients phone number, the amount you owe, and a message or include a card. But your friend can also request money. You will get a notification that they requested you to transfer a certain amount. The only thing you have to do is confirm the payment with Bank ID.
Often when you want to buy tickets or patches from sections at events, they will have a swish QR code printed out. You can scan the code with the app, and it will automatically but in the right phone number. Depending on how the code was created it will also have a set amount of money and purpose. Then you just have to confirm it with bank ID again.
You can also use swish to pay in apps or online. I usually pay my bus tickets with Swish. The Östgötatrafiken app redirects you to the swish app and has all the data put in already. It is similar for orders online. If you choose the swish option, you will get a QR code to scan and make the payment.
If you buy something second hand from a private person swish will also be the payment method of choice, as it is safe and easily traceable. The same goes for small local stores or markets. They all have a swish phone number or QR code for payments. I have also come across self-serving coffee stations where you can only pay with swish!
It might take a while to set up (in my case 4 months) but I have really come to appreciate swish as it makes life and payments here a little easier.
All the best,
Emily
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