Getswish
Swish started as a collaboration between six of Sweden's largest banks. Together, Danske Bank, Handelsbanken, Länsförsäkringar, Nordea, SEB and Swedbank and Sparbankerna Getswish AB owns. Today, several banks have joined Swish. Each bank is responsible for designing offers, terms and fees for the service to its customers.
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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. The user must have a second mobile application called Mobilt BankID Säkerhetsapp, which is an electronic identification issued by several banks in Sweden. This requires that the user has a bank account in a Swedish bank participating in the system, and a national ID number.