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You can find the following banks in Linköping and Norrköping:

  • Handelsbanken
  • SEB bank
  • Nordea
  • Östgöta Enskilda Bank
  • Swedbank
  • Private banks like IKANO, ICA and more

All banks are open Monday-Friday from 10.00-15.00, often longer.

Opening a bank account
Swedish banks normally require you have a Swedish civic registration number (personnummer) and a Swedish ID-card (which costs approximately 400 SEK to issue) in order for you to be able to open a bank account.

Sometimes, an exception can be made, but it may require additional documentation such as a letter from your home bank assuring your safe financial conduct.

You have to visit the banks in person and ask enquire if you can open a bank account and confirm if it will be possible for you to pay your bills via the internet.

Remember to close the bank account before leaving Sweden.

Read more about rights and rules here.

Automatic Teller Machines (ATMs)
You will find cash machines all around the city in both Norrköping and Linköping.

All major credit cards are accepted, but you might have to pay a withdrawal fee. Check with your bank that issued your credit card what applies.

Paying your bills
Even if you do not manage to get a Swedish bank account and an internet bank, there are many ways to pay your bills.

Students in Linköping are recommended to go to Direkten in Ryd’s Centrum to pay bills. Direkten will charge 45 SEK/bill. If you pay with credit card, an extra fee (a percentage of the bill) is charged. If you pay for multiple months on the same bill, Direkten will charge you a higher fee.

If you live in Skäggetorp, you can go to Godishuset in Skäggetorp Centrum.
In Linköping City Centre, Forex (Storgatan 32) is another alternative where you pay. Forex will charge 40-65 SEK/bill.

Students in Norrköping, take your bill to the Direkten on Drottninggatan 66 or Forex on Drottninggatan 46. The prices are the same as in Linköping.

See this website for more places to pay your bills in Norrköping and Linköping: www.kassagirot.se.

You can also pay by means of an international transfer. Make sure to state:

  • Your name
  • Your customer number (in Swedish ”kundnummer”, which can be found on your bill)
  •  The address you are paying for
  •  The month you are paying for
  •  Use SWIFT and IBAN codes found on the bill

If you pay in other currency than Swedish krona, make sure you do not pay too little due to the exchange rate and possible fee for international transfers your home bank might be charging.


Page manager: international.student@liu.se
Last updated: 2020-09-25