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Payments Report 2025

Safety, efficiency and accessibility

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Safety, efficiency and accessibility

Are payments in Sweden accessible?

For most people in Sweden, access to the payments market is good. The digitalisation of the payments market has helped make payments faster and more convenient for most people. At the same time, many are not able to take part in new developments. These are people who are unwilling or unable to use digital services, and people who do not have access to a bank account.

Illustration with a map of Sweden. Next to the map is a shop and two banks. Next to the buildings are people, an elderly woman with a cane, a young woman with a shopping trolley, an adult and a child with a shopping bag and a family with a shopping trolley.

Published: 10 March 2025

What is needed to ensure payments are accessible?

It must be possible for everyone in Sweden to pay at a reasonable cost. Users shall have good access to payment services and there shall be different payment methods to choose between, depending on the situation and conditions.