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Getting Settled – step by step

There are a number of things to think about when you arrive here and it is not always easy to know how to prioritise. 

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Step-by-step guide

This step-by-step guide can help you become acquainted with some of the things you need to know and some things that are good to know when arriving here. For a more comprehensive "Getting Settled Guide" , please see the right hand column.

Take a trip to Stora Södergatan, Lund’s own “Agency Avenue”. Always make appointments first.

Swedish Tax Agency (Skatteverket)

Stora Södergatan 45, Lund.

When you need help with your personal identity number, personal registration certificate, national ID card and information about how to declare taxes in Sweden.

Read more on the swedish Tax Agency's website

Swedish Social Insurance Agency (Försäkringskassan)

Stora Södergatan 45, Lund.

Register with the Swedish Social Insurance Agency (Försäkringskassan). The Försäkringskassan will investigate whether you should be insured in Sweden or not. If you are insured here, you may be entitled to compensation from Försäkringskassan, for example parental leave, child allowance, sickness compensation, apply for a Swedish European Health Insurance Card etc.

Read more on the Swedish Social Insurange Agency's website

Swedish Pensions Agency (Pensionsmyndigheten)

Stora Södergatan 45, Lund. 

When you need help to start saving for your pension, and other information related to your retirement. 

Nordea Bank

Stora Södergatan 2, Lund. 

Regardless of whether or not this is where you would like to open a personal bank account, you must inform Nordea of where your salary is to be paid. 

Two other banks are also located at or near Stora Södergatan: Handelsbanken and SEB (Kyrkogatan 1).

To open a bank account, please see below.

Swedish Public Employment Agency (Arbetsförmedlingen)

Stora Södergatan 49, Lund. 

To find out about unemployment benefits, job opportunities and more. You can also learn more about working in Sweden, and in other parts of the world, through EURES.

Local healthcare centre

One of the local healthcare centres (which includes a children’s clinic) is located right by the Public Employment Agency, on Helgeandsgatan 16.

When needed, we recommend that you choose a healthcare centre close to home or your place of work.

Parks, coffee and shopping 

If you a need a break from dealing with all these practicalities, you might want to visit the main city park in Lund, Stadsparken, which is located nearby for a coffee and a stroll.

You can also walk down Stora Södergatan and check out the two large second hand shops where you can find furniture, kitchen utensils and other things you might need for your new home, which can be delivered straight to your door.

Guidance to opening a Swedish bank account

What you need to open an account without a Swedish personal identity number or coordination number

  • Residence permit (non-EU citizens), visa (if applicable).
  • Employment contract or corresponding document, showing income/equivalent and the length of your employment/assignment (from the department).
  • Check with the bank what further documents is required. 

What you need provide to open an account if you have a Swedish personal identity number

  • Swedish identity card.
  • Residence permit (non-EU citizens), visa (if applicable).
  • Documentation from the population register (that you are registered with the Tax Agency).
  • Employment contract or corresponding document, showing income/equivalent and the length of your employment/assignment (from the department).
  • Check with the bank what further documents is required. 


If you do not have a Swedish personal identity number or coordination number a neobank account might be an option. Before you apply, make sure the neobank offers payment solutions that allow you to pay your bills in Sweden.

Limited account to full account

A bank account opened without a Swedish personal identity number has limited features. If you receive a Swedish personal identity number, you can update to an account with more features (BankID, Swish etc).

Once you have received the decision with your Swedish identity personal number as well as a Swedish identity card, visit the bank and change the status of your account. You must make it clear why you want this change. It is advisable to have your decisions from the Tax Agency at hand. 

Report the correct account to the employer

All payments from the University are made to Nordea. If you want to transfer your salary to another account, you need to fill out a change of accounts form and send it to the payroll unit. They will make sure the bank gets your new bank account details.

Leaving Sweden

If you plan to leave Sweden, remember to close your bank account. Contact your bank, make an agreement about the closing date, and inform them about any future trans­actions. 

The right to an account

If you have the legal right to be in Sweden, i.e. you have a right to residence as an EU/EEA citizen, or a valid residence permit/work permit as a non-EU citizen, you have the right to open a bank account in accordance with the Payment Services Directive.

Each Swedish bank can set their own routines and rules for opening an account and making sure there is no suspicion of money laundering, bribery or similar. You can freely choose the bank of your choice. To open an account, you can visit the bank’s office. At some banks, you can open your account online.

The right to open a bank account (Finansinspektionen, Sweden´s financial supervisory authority)

Banks’ right to ensure security 

The bank will ask many questions to find out if you are a secure customer. Some questions might seem unnecessary and private, but it is very important that you answer all questions carefully. 

Example of questions asked to prepare for: 

  • What is the purpose of the account?
  • What is your main source of income?
  • What is your monthly income before tax?
  • Will you make transactions to other countries?
  • What is your citizenship?
  • Are you or somebody in your family under threat due to political reasons?

If the bank is unsure of your intentions, they may deny you an account.

The bank can deny you a bank account if:

  • You cannot identify yourself according to the bank´s requirements.
  • The information you provide about why you want to open an account is insufficient.
  • The bank violates any laws or regulations by opening an account.

If you are refused to open a bank account

If the bank denies you an account, you have the right to receive written information about where you can turn with a complaint and how you can appeal the decision.

Turn to the National Board for Con­sumer Disputes (ARN) if you are uncertain.

The National Board for Consumer Disputes (ARN)

How do I close my account, when I leave Sweden?

Discuss this with the bank already when opening the account, so you know the bank’s view/rules when the time comes. 

Useful information

It is your responsibility that your salary ends up in the right place, so continue to check and double check with your local admin at the department and your bank so there isn’t a mix-up. 

Read more about salary payments 

No banks in Sweden handle cash anymore. You can’t walk in and redraw cash from your account at the cashier (!). ATM-machines are found here and there still, but paying with cash in stores gets more and more difficult. Swedes often use ebit or credit cards or “Swish” for smaller sums. 


Contact your line manager or the HR officer at your organisational unit if you have any questions concerning employment or your organisational unit’s procedures for HR/staff matters.

Related information

Download the folder Getting settled – Step by step, the complete guide (PDF 401 kB, new tab)

The complete guide including all contact information, links to various websites and other relevant information. Also available in print.