{
  "id": "banking/bankid-requires-personnummer",
  "signature": "AI tells a foreigner in Sweden holding a coordination number (samordningsnummer) - even one issued after Skatteverket's in-person 'styrkt identitet' (verified identity) check - that they can obtain Swedish BankID",
  "signature_zh": "",
  "regex": "(samordningsnummer.*bankid|bankid.*samordningsnummer|sweden.*bankid.*(foreigner|utan personnummer))",
  "domain": "banking",
  "category": "administrative_barrier",
  "subcategory": null,
  "root_cause": "BankID, issued only by Swedish banks, requires a full personnummer, not a samordningsnummer of any identity-verification tier. Sweden's Parliament confirmed in October 2024 that no official Swedish photo-ID document yet exists for coordination-number holders and set no timeline for banks to accept a passport as sufficient proof for BankID issuance. The practical route remains obtaining a personnummer via 12-month population registration (folkbokforing), or, for select government e-services only, logging in with a foreign eIDAS-notified eID through Sweden Connect instead of BankID.",
  "root_cause_type": "generic",
  "root_cause_zh": "",
  "versions": [
    {
      "version": "any",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "State or imply that a samordningsnummer - even one issued after Skatteverket's in-person 'styrkt identitet' (verified identity) check - is sufficient to obtain BankID",
      "why_fails": "BankID's issuing banks require a full personnummer, not a coordination number of any tier. In a written parliamentary answer dated 30 October 2024, Minister Erik Slottner confirmed no official Swedish photo-ID document yet exists for coordination-number holders and that, due to related EU negotiations, 'a specific timeline cannot currently be provided' for changing this.",
      "fail_rate": 0.85,
      "condition": "Holds samordningsnummer, not personnummer",
      "sources": [
        "https://www.riksdagen.se/sv/dokument-och-lagar/dokument/skriftlig-fraga/id-for-personer-med-samordningsnummer_hc11306/"
      ]
    }
  ],
  "workarounds": [
    {
      "action": "If eligible (planned stay of 12+ months), register with Skatteverket via the 'Flytta till Sverige' e-service as soon as you arrive and complete the required in-person identity check to obtain a personnummer - the standard prerequisite banks require before issuing BankID",
      "success_rate": 0.75,
      "how": "",
      "condition": "Planned stay of 12+ months",
      "sources": [
        "https://www.skatteverket.se/servicelankar/otherlanguages/englishengelska/individualsandemployees/movingtosweden.4.7be5268414bea064694c40c.html"
      ]
    },
    {
      "action": "If BankID itself is unobtainable, check whether the specific Swedish government e-service accepts login via a foreign eIDAS-notified eID through Sweden Connect / DIGG's eIDAS node instead of BankID",
      "success_rate": 0.4,
      "how": "eIDAS requires Swedish public-sector e-services to offer a login option for notified eIDs issued by other EU/EEA states, proxied through the Swedish eIDAS node - but this covers only eIDAS-connected services, not a general BankID replacement.",
      "condition": "Holder of an EU/EEA-notified eID needing a specific eIDAS-connected government e-service",
      "sources": [
        "https://www.digg.se/en/digital-services/eid"
      ]
    }
  ],
  "workarounds_zh": [],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": [
      "policy/personnummer-registration-not-automatic/se"
    ]
  },
  "official_doc_url": null,
  "official_doc_section": null,
  "error_code": null,
  "verification_tier": "ai_generated",
  "confidence": 0.7,
  "fix_success_rate": 0.5,
  "resolvable": "partial",
  "first_seen": "2026-08-25",
  "last_confirmed": "2026-08-25",
  "last_updated": "2026-08-25",
  "evidence_count": 3,
  "tags": [],
  "locale": "en",
  "aliases": [
    "banking/bankid-requires-personnummer/se"
  ]
}