Freelancers and sole traders in Sweden, often running an enskild firma, can pick between low cost online accounts and a traditional Swedish bank. Revolut and Wise Business suit those who invoice or pay across currencies, while a Swedish bank such as SEB, Swedbank or Handelsbanken gives a local account with Bankgiro and Swish for business. Many freelancers keep business money separate even when the law does not require a dedicated account.
- Suits Freelancers and Sole Traders best
- Depends on how you work. Online providers suit cross border invoicing and low fixed costs, while a Swedish bank suits those who want a local account with Bankgiro and Swish for business.
- Typical monthly fee
- From zero on a free or basic plan up to a few hundred kronor a month at a traditional bank, depending on the package, as of 10 March 2026.
- Non resident position
- Possible with full identity checks. Swedish banks usually ask for BankID and may want a branch visit, while electronic money providers may accept European Economic Area registered businesses. Unclear cases, verify with the provider.
- Providers that fit
- Several. At least three providers fit this profile in Sweden.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
What Freelancers and Sole Traders in Sweden need from a business account
A freelancer or sole trader usually wants low fixed costs, simple invoicing, clean records for income tax and value added tax, and a card for business spend. Cash handling rarely matters, which is why online accounts fit many solo businesses. A traditional Swedish bank still helps where local payment services such as Bankgiro and Swish for business, lending, or branch support are needed. Confirm the current terms and any eligibility limits with each provider before you apply.
Compare accounts for Freelancers and Sole Traders in Sweden
These providers accept freelancers and sole traders in Sweden, subject to their own checks. Fees and eligibility shown as of 10 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about banking for Freelancers and Sole Traders in Sweden
Do freelancers in Sweden need a separate business account?
What does a freelancer business account cost in Sweden?
Can I get paid in foreign currency as a Swedish freelancer?
Does the account support Swish for business and Bankgiro?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 10 March 2026. Confirm current terms with the provider before applying.