Swish review
A free Swedish mobile wallet for bank-linked P2P, QR and store payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Swish is a Swedish mobile payment service from Getswish AB for private individuals who want to send and receive money through a linked bank account. Users connect a mobile number to a participating Swedish bank account and activate the app with Mobile BankID. The service supports real-time payments between Swish users, receiving payments without a smartphone, payment requests, QR-code transactions and payments at participating physical stores. It runs on iOS and Android as a mobile-only service.
Swish is free for private individuals to send and receive money. Bank-specific terms and eligibility may apply. Its ecosystem centers on Mobile BankID and participating Swedish banks rather than a broad set of third-party integrations. Within the app, users can view payment history, scan a QR code to initiate a payment, or display a personal QR code for receiving money. This makes the service suited to everyday transfers and supported in-store purchases without a paid tier to evaluate.
The scope is primarily domestic: Swish payments are described as domestic, and the service does not provide international transfers or bill-pay features. In-store use also depends on participating physical stores, while support is provided through documentation. Choose Swish if you are in Sweden and need no-cost, bank-linked peer-to-peer payments with QR and BankID authentication. Consider another payment app if international money movement, bill payment, broader integrations or a non-mobile deployment are central requirements.
Swish pros and cons
- Where it wins
- Free private-person transfers linked to a Swedish bank account
- Phone-number payments, payment requests and QR-code options
- Mobile BankID authentication on iOS and Android
- Where it doesn't
- Primarily domestic; no international transfers or bill-pay features
- Store payments depend on participating physical stores
- Sending payments requires a smartphone and Mobile BankID activation
Swish fact sheet, pricing and score →
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