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Opening a bank account, not possible without personnummer?

I understand that banks in Sweden have a legal obligation to allow EU residents with the right to be in Sweden to open a simple bank account.  I have a samordningsnummer and have found that most that I have contacted say that you need the full personnummer to get an account.

This seems really unfair and a contravention of my rights as an EU citizen.  It is very difficult to find work without a Swedish bank account, and very difficult to get a personnummer without work.

Are we being fairly treated as EU citizens?



  • The EU Payment Account Directive is not yet implemented in Sweden. The new law will enter into force on the 1st of June 2017 and its preparatory acts explicitly states that a "personnummer" should not be a requirement to opening a payment account.
    But you have a right to the account even under the current legislation. The Swedish Deposit Insurance act states that an account covered by the Insurance should be offered to each and everyone, unless there are special circumstances. Lack of "personnummer" should not be regarded as a special circumstance.
    Contact the bank's complaints manager and ask them to reconsider their decision.

    Bank- och finansbyrån Extern Rådgivare
  • Thank you for your help.  I will do this.  I am in a difficult situation where I couldn't take on a job because I didn't have a Swedish bank account.  

    The bank also said that they needed a contract of employment to give me a an account, but the employer couldn't give me a contract until I had a bank account.

    Is there anything in the directory that allows banks to not open accounts based on not having a work contract?

    I don't understand why its so difficult.  I just want to get paid for work, and its very easy to limit accounts that are dodgy, so I don't see why they are not just letting me open one.

  • The bank need to perform a so called Customer Due Diligence process for every new customer. This process include controlling the customers identity and "obtaining information on the purpose and intended nature of the business relationship". One way of doing this, if the customer has stated that the purpose of the account is to recieve salary from work, would be to check if the customer has a work contract. However, this duty and process, can also be performed in many other ways as well.
    Ask the bank's complaints manager about alternative methods to solve this issue.

    Bank- och finansbyrån Extern Rådgivare
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