Swedish Business Bank Account Eligibility & AML Checker
Calculate your expected company bank account opening timeline, Anti-Money Laundering (AML) audit friction score, and required documentation for Swedish banks.
1. Company & Ownership Structure
2. Identity & Digital Credentials
3. Business Activity & Operations
Frequently Asked Questions (vanliga frågor)
Why do Swedish banks take weeks to open a business bank account (*företagskonto*)?
Under the Swedish Money Laundering Act (*Lag 2017:630 om åtgärder mot penningtvätt*), Swedish banks enforce strict Know Your Customer (KYC) regulations. Banks must verify beneficial owners, expected cash flows, customer geographic origin, and tax domicile before issuing a bank certificate (*bankintyg*) for Bolagsverket registration.
Can I open an Aktiebolag (AB) without a personal BankID?
Yes, but it requires physical identity verification at a bank branch. You must bring a physical passport, certified proof of address, tax residence certificate, and Bolagsverket draft documents. Processing time increases from 1 week to 4–8 weeks.
What is a bank certificate (*bankintyg*)?
A *bankintyg* is an official certificate issued by a Swedish bank proving that the minimum required share capital (*aktiekapital* = SEK 25,000) has been deposited into a dedicated account. Bolagsverket requires this document to issue your final company registration certificate (*registreringsbevis*).