The actual transfer is done by the Bankgirot clearing system, which developed instant payments for the Swish system. The phone number can be of another country.
Users who have a Swedish bank account but no suitable phone can register for reception only of payments. This requires that the user has a bank account in a Swedish bank participating in the system, and also a national ID number. The user must have a second mobile application called Mobilt BankID Säkerhetsapp, which is an electronic identification issued by several banks in Sweden. The service works through a smartphone application, through which the user's phone number is connected to their bank account, and which makes it possible to transfer money in real time, a few seconds until confirmation is received by both parties. Swish is a member of the European Mobile Payment Systems Association. It had 8 million users as of July 2022 (total Swedish population: 10.2 million). The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden. Swish ( Swedish pronunciation: or ) is a mobile payment system in Sweden.
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