A fully free business account is uncommon in Sweden. Some electronic money providers offer a free or low cost plan with no fixed monthly fee and usage based charges, while traditional Swedish banks usually charge a monthly or annual package fee, sometimes zero on a basic package. Free plans often limit transfers, conversions or support, so read the fee list before you decide. As of 6 February 2026.
- Fully free account common
- No. Free usually means a basic plan with no fixed monthly fee but usage based charges. As of 6 February 2026.
- Providers with a free plan
- Some electronic money providers, for example a free basic plan, with paid plans above it. As of 6 February 2026.
- Traditional bank account fee
- Usually a monthly or annual package fee, sometimes zero on a basic package. As of 6 February 2026.
- Always
- Check the full fee list, since free plans cap transfers, conversions or support.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
What free means for a Swedish business account
Free usually describes the fixed monthly fee, not the whole cost of running the account. An electronic money provider may charge no monthly fee while still charging for transfers, currency conversion, extra cards or faster support. A traditional Swedish bank may advertise a low or zero fee basic package while charging for cards, Bankgiro and Swish for business, and foreign payments. The fee that matters is the total you pay for how you actually use the account. As of 6 February 2026.
Free and low cost online plans
Revolut Business offers a free basic plan with no fixed monthly fee and usage based charges, plus paid plans with higher no fee allowances. Wise Business has no monthly fee and lists a one time setup fee, for example around 50 euros for European Economic Area businesses, with usage based charges for transfers and conversions at the mid market rate plus a published fee. Airwallex uses plan based pricing with a foreign exchange spread above the interbank rate. These plans suit businesses that want low fixed costs and mainly digital banking. As of 6 February 2026. Verify current pricing with each provider.
Traditional banks and basic packages
Traditional Swedish banks such as SEB, Swedbank and Handelsbanken usually charge a monthly or annual package fee that depends on the chosen package, and some offer a low or zero fee basic package with charges for extra services. A bank account adds local services such as Bankgiro and Swish for business, lending and branch support that electronic money providers do not provide. As of 6 February 2026. Confirm the current package fees with the bank.
Catches to check before you call it free
Free plans usually trade away something. Read the fee list for these common limits. Verify with the provider
- Caps on free transfers or currency conversion, with fees above the limit.
- Charges for extra cards, faster payments, or priority support.
- Limited access to local services such as Bankgiro and Swish for business at electronic money providers.
How to compare free against paid
- Estimate your monthly transfers, currency conversions and card use.
- Add the per use charges a free plan would apply to that activity.
- Compare the total against a paid plan or a bank package, then confirm current pricing with the provider.
Compare business accounts available in Sweden
These providers accept business customers in Sweden. Fees and eligibility shown as of 6 February 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about free business accounts in Sweden
Is there a truly free business bank account in Sweden?
Which providers offer a free plan in Sweden?
What hidden costs do free accounts have?
Is a free online account as good as a Swedish bank account?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 6 February 2026. Confirm current terms with the provider before applying.