Business banking fees in Sweden: monthly, transfer and card charges

Snapshot

Swedish business banking fees typically include a monthly or annual account fee that depends on the package, plus charges for cards, Bankgiro and Swish for business, and foreign payments. Electronic money providers usually replace the fixed account fee with usage based charges. As of 21 April 2026.

Typical account fee at large banks: Reported from zero on a basic package up to a few hundred kronor a month on richer packages, varies by bank and package. As of 21 April 2026.
Common extra charges: Cards, Bankgiro and Swish for business, transfers, and foreign payments. As of 21 April 2026.
Fee free account common: No. Some banks offer a low fee basic package, and electronic money providers offer usage based plans. As of 21 April 2026.
Always: Confirm current fees with the provider.

Fees and features as of 21 April 2026Last reviewed 21 April 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Business banking fees in Sweden depend on whether you use a traditional Swedish bank or an electronic money provider. Traditional banks usually charge a monthly or annual account fee that varies by package, plus charges for cards, local payment services such as Bankgiro and Swish for business, and foreign payments. Electronic money providers that serve the European Economic Area, such as Wise Business, Revolut Business and Airwallex, usually have no fixed monthly bank fee and charge usage based fees instead. Figures here are shown as of 21 April 2026. Verify current pricing with each provider.

How business banking fees work in Sweden

A Swedish business account usually carries several fee types. Traditional banks charge a recurring monthly or annual account fee that depends on the chosen package, and some offer a low or zero fee basic package with charges for extra services. On top of that sit per use charges for cards, Bankgiro and Swish for business, transfers, and international payments, plus a foreign exchange spread on currency conversion. Electronic money providers price differently, often with no fixed monthly fee but usage based charges for conversions and transfers. As of 21 April 2026.

Account and service fees at traditional banks

Third party guides and bank price lists report monthly account fees that range from zero on a basic package up to a few hundred kronor a month on richer business packages at the large Swedish banks such as SEB, Swedbank and Handelsbanken, with separate charges for cards and for local payment services, as of 21 April 2026. These figures vary by bank, package and business size, and they change, so verify current pricing directly with each bank before you apply.

Electronic money providers and usage based fees

Electronic money providers that serve the European Economic Area usually charge no fixed monthly bank fee. Wise Business lists a one time setup fee, for example around 50 euros for European Economic Area businesses, and then usage based charges for conversions and transfers, with conversion at the mid market rate plus a published fee. Revolut Business offers a free Basic plan and paid plans with higher no fee allowances. Airwallex offers a Swedish krona account with local details and plan based pricing, with a foreign exchange spread above the interbank rate for major currencies. As of 21 April 2026. Verify current pricing with each provider.

Common Swedish business banking fees

The fee types you are most likely to meet are listed below. The exact amounts vary by provider. Verify with the provider

Monthly or annual account fee, depending on the package, sometimes zero on a basic package.
Card fees, plus fees for Bankgiro and Swish for business and other local payment services.
Transfer, international payment, and foreign exchange charges, applied per use.

How to compare the fees

List the fee types that apply to you, including account, card, local payment, transfer, and foreign exchange charges.
Match those fees to how you will use the account, for example domestic transfers, foreign payments, or card spend.
Confirm the current published fees with each provider before you open or fund the account.

Compare business accounts available in Sweden

These providers accept business customers in Sweden. Fees and eligibility shown as of 21 April 2026. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about business banking fees in Sweden

How much does a business bank account cost in Sweden?

It varies. Traditional Swedish banks typically charge a monthly or annual account fee that depends on the package, while electronic money providers charge usage based fees instead. Third party guides report monthly account fees from zero on a basic package up to a few hundred kronor on richer packages at the large banks, as of 21 April 2026. Verify current pricing with the provider.

Are there free business bank accounts in Sweden?

A fully fee free traditional bank account is uncommon, though some banks offer a low or zero fee basic package with charges for extra services. Some electronic money providers offer low cost plans with usage based charges rather than a fixed monthly fee. As of 21 April 2026. Verify with the provider.

What fees should I expect beyond the monthly charge?

Common extras include card fees, Bankgiro and Swish for business fees, transfer and international payment charges, and a foreign exchange spread on currency conversion. As of 21 April 2026. Verify the full fee schedule with the provider.

Do Swedish banks charge for foreign currency payments?

Yes. Foreign payments usually carry a transfer fee and a foreign exchange spread that varies by currency and channel. Electronic money providers often convert near the interbank rate plus a published fee. As of 21 April 2026. Verify current foreign exchange pricing with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 21 April 2026. Confirm current terms with the provider before applying.