Swish Payments
in Sweden
Instant SEK payment via Sweden's Swish mobile payment network.
Swish in Sweden
Swedish Krona · SEK
Contractor must provide their Swish-registered Swedish mobile number.
Payment Journey
You fund in USD, stablecoin, or BTC — your contractor in Sweden chooses how they receive it.
Fund your Bitwage Balance
USD via wire/ACH/FedNow, stablecoin (USDC/USDT), or BTC. Fund once — use for all payments.
Create a payment run
Add your Sweden contractor(s) to a batch or individual payment. Set the amount in USD — Bitwage handles everything else.
Converts & delivers via Swish
FX rate locks at approval. Bitwage converts USD → local currency and routes the payment via Swish. Compliance screened automatically.
Funds arrive via Swish
Settlement: < 15 seconds. Fees: 0.3–0.8%. Contractor can also choose USDC, USDT, or Bitcoin instead — they set their preference once.
How Swish Works in Sweden
Bitwage converts USD to SEK and routes a Swish payment. The contractor's account is credited in under 15 seconds at any hour.
Compliance & Security
Sweden requires foreign income declaration with Skatteverket (Swedish Tax Agency). Bitwage screens all payments against OFAC and EU sanctions lists.
The SEK is a free-floating currency. Bitwage locks the USD/SEK rate at execution time to eliminate intraday FX risk.
Swish in Sweden FAQ
Common questions about Swish payments, settlement, fees, and requirements.
Swish payments to Sweden typically settle in < 15 seconds. Bitwage locks your FX rate lock at execution time so recipients receive exactly the amount shown in the payment preview.
Bitwage charges 0.3–0.8% for Swish payments to Sweden. There are no hidden per-transfer fees beyond the displayed rate. You can see the full cost breakdown before executing via our {{link:products/contractor-payments}} platform.
Contractor must provide their Swish-registered Swedish mobile number. Bitwage validates all payment details before executing. For batch payments to multiple contractors, use {{link:products/masspay}} to upload a CSV with all recipient details at once.
Yes. With {{link:products/masspay}} you can include any number of Sweden-based contractors in a single payment run, mixing Swish with other local rails. All FX conversions are locked at batch payment processing execution time.
Related Resources
Start Sending Swish Payments to Sweden
Settlement in < 15 seconds. Fees from 0.3–0.8%. OFAC screened on every payment.