# 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

- **ID:** `banking/bankid-requires-personnummer`
- **Domain:** banking
- **Category:** administrative_barrier
- **Verification:** ai_generated
- **Fix Rate:** 50%

## 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.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| any | active | — | — |

## Workarounds

1. **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** (75% success)
2. **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** (40% success)
   ```
   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.
   ```

## Dead Ends

- **State or imply that a samordningsnummer - even one issued after Skatteverket's in-person 'styrkt identitet' (verified identity) check - is sufficient to obtain BankID** — 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. (85% fail)