![]() The actual transfer is done by the Bankgirot clearing system, which developed instant payments for the Swish system. The phone number can be of another country. Users who have a Swedish bank account but no suitable phone can register for reception only of payments. This requires that the user has a bank account in a Swedish bank participating in the system, and also a national ID number. The user must have a second mobile application called Mobilt BankID Säkerhetsapp, which is an electronic identification issued by several banks in Sweden. The service works through a smartphone application, through which the user's phone number is connected to their bank account, and which makes it possible to transfer money in real time, a few seconds until confirmation is received by both parties.
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