Swish FAQ

Common FAQ for Swish

• What is Swish?

  Swish is a mobile payment system developed in Sweden that allows users to make and receive payments through their smartphones.

• How do I get started with Swish?

  To use Swish, you need to have a Swedish bank account and a mobile phone number registered with the bank.

• Why can't I make payments with Swish?

  There could be several reasons why you can't make payments with Swish. Some common causes include not having a registered phone number, insufficient funds in your account, or a server issue.

• Why did my Swish transaction fail?

  Swish transactions can fail due to various reasons, including incorrect or expired payment links, network issues, or insufficient funds in the recipient's account. Check the error message for more specific information.

• Can I cancel a Swish payment?

  No, Swish payments cannot be canceled once authorized. You will need to contact the recipient and request a refund if needed.

• How long does it take for a Swish payment to reach the recipient?

  Swish payments are usually instant. However, in some cases, it may take up to two business days for the payment to be processed by the recipient's bank.

• Is Swish safe to use?

  Yes, Swish is considered a safe and secure mobile payment option, as it uses the highest encryption standards and requires the use of BankID for authentication.

• What is BankID, and why do I need it for Swish?

  BankID is an electronic identification system used in Sweden for secure online transactions. Swish requires you to use BankID to verify your identity and authorize payments.

• Can I use Swish for international payments?

  No, Swish is currently only available for domestic payments within Sweden.

• How do I update my phone number associated with Swish?

  You can update your phone number by contacting your bank and providing them with the updated number. It may take a few days for the change to reflect in Swish.

• My Swish app won't open. What should I do?

  Try restarting your phone and then opening the app again. If the issue persists, check for app updates or try reinstalling the app.

• Why am I receiving an error message saying "Swish is temporarily unavailable"?

  This error message usually appears when there is a system maintenance or an outage. You can check the official Swish Twitter account for updates on any ongoing issues.

• I received a payment request from an unknown recipient. What should I do?

  It is recommended not to pay requests from unknown recipients and to report any suspicious activity to your bank and the police.

• Is there a limit on how much I can send or receive through Swish?

  Yes, Swish sets a daily transaction limit of 15,000 SEK (approximately 1,500 USD) for personal accounts and 150,000 SEK (approximately 15,000 USD) for business accounts.

• Can I use Swish to pay for online purchases?

  Yes, some online merchants in Sweden accept Swish as a payment option.

• How do I link my bank account to Swish?

  When you first download the Swish app, it will prompt you to choose your bank and then follow the steps to link your bank account.

• What happens if I enter the wrong amount for a Swish payment?

  If you enter the wrong amount for a payment, it will be refunded automatically to your account within 2 business days.

• Are there any fees for using Swish?

  No, Swish does not charge any fees for sending or receiving payments. However, your bank may charge transaction fees.

• I forgot my Swish PIN. How do I reset it?

  If you forgot your Swish PIN, you can reset it in the app by entering your BankID and following the instructions.

• Can I use Swish on a device with a different mobile number than my registered one?

  No, for security reasons, Swish can only be used on a device with your registered mobile number.

• Is there a customer service number for Swish?

  Yes, you can contact Swish customer service by calling 0771-332 332 or by filling out an online form on the Swish website.

• Why am I being asked for a "payee reference" when making a payment with Swish?

  A payee reference is an optional, additional line of information that can be included when making a Swish payment. It can help the recipient identify the payment and is often used for invoices or other payment purposes.

• Can I use Swish to make payments to international bank accounts?

  No, Swish is only available for domestic payments within Sweden.

• I received a payment request with an expired link. What should I do?

  You can ask the sender to resend the payment request with a valid link. If you have already made the payment, it will be refunded to your account within 2 business days.

• Can I use Swish on multiple devices?

  Yes, you can use Swish on up to 10 devices as long as they are all linked to your registered mobile number.

• Are there any age restrictions for using Swish?

  Yes, you need to be at least 18 years old to use Swish.

• Why am I receiving a "transaction not allowed" error?

  This error message usually appears when attempting to make a payment to a merchant or individual that does not accept Swish as a payment method.