EuropeSwedenLicensed-entity research

Skandinaviska Enskilda Banken AB (publ)（SEB）

Skandinaviska Enskilda Banken AB (publ) (Swedish company registration number 502032-9081); refers here to the Swedish banking entity, not to the SEB Group holding-company concept or an SEB subsidiary in another country.

SEB is a Swedish banking legal entity. Its website says it is authorized by the Swedish Financial Supervisory Authority to provide banking and investment services, and the regulator’s public decision for 2020 also identifies the bank by its legal name and company registration number. The website publishes some account-opening routes for Swedish individuals and businesses, but does not confirm that all nonresident individuals or foreign-registered companies can open accounts; the bank must assess each case.

Regulator: Swedish Financial Supervisory Authority (Finansinspektionen, FI)
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: SEB's legal banking entity name and registration number have been verified, and FI's supervisory decision concerning that entity in 2020 has been found. SEB's current authorisation disclosures on its official website and the regulator's historical records corroborate each other. However, the specific live 2026 entry in FI's dynamic company register could not be independently confirmed, so the current register record and licence status still require rechecking. SEB's official website also does not explicitly confirm that all non-resident individuals and overseas-registered businesses can open accounts.

Research scope and official resources

Topic number:europe-skandinaviska-enskilda-banken-ab

Based on the candidate records provided, this institution is a selected large Nordic bank in The Banker Top 1000 World Banks 2026, under the Tier 1 capital measure; no individual ranking is claimed for this legal entity. The candidate set is a selection lead only, not a real-time top 100 ranking, an account acceptance decision or proof of a current licence.

Bank’s official website

Personal Eligibility and Documents

The online personal application path described on the official website is for people who have a Swedish personal identity number (personnummer) and Swedish mobile BankID. A separate postal application path is available to people who have a Swedish personal identity number and Swedish identity card but cannot open an account digitally; the guide also requires non-EU/EEA citizens to provide a valid Swedish residence permit card. These are routes based on specific Swedish identity documents and do not mean that all foreign residents or nonresidents can be accepted. No public SEB confirmation was found that individuals without a Swedish personnummer, with only a coordination number, who are not Swedish tax residents, or who live abroad long-term can open a regular account. Confirm the bank’s current products, identity verification methods, and acceptance criteria in writing.

Personal information publicly disclosed or identified

SEB’s postal application guide lists a Swedish ID document and, if the applicant is a citizen of a country outside the EU/EEA, a valid Swedish residence permit card. This checklist applies to the specific route for people with a Swedish personnummer and Swedish ID document who cannot open an account digitally.
The same guide requires applicants to read and follow its PDF checklist, complete the customer information form, print and sign it in original form, state the place and date, attach copies of the required documents, and mail everything to the address listed in the checklist. The guide states that processing was taking longer than usual at the time but provides no timeframe.
The materials available in this review do not provide a complete list of personal account-opening documents applicable to all overseas residents. General preparation advice (not a published SEB policy): a passport or other valid identity document, actual residential address details, all tax residences and corresponding tax identification numbers, and documents that explain income and source of funds. Whether these are required and what formats are accepted must be confirmed by SEB.

Company eligibility and documents

The official website provides customer entry points for Swedish businesses, including limited companies (newly formed or transferring), partnerships, limited partnerships, associations and sole traders. A newly formed Swedish AB may apply for a bank certificate; the application page for an existing AB states that identification can be completed using BankID. The website states that applications for business packages are assessed individually and may be rejected without further explanation. The application routes listed for companies do not establish that foreign-incorporated legal entities, non-resident controllers or cross-border remote account applications will necessarily be accepted; confirm the applicable cases and products in writing with SEB.

Company information publicly disclosed or identified

SEB’s public process: a newly formed Swedish AB needs a bank certificate when registering with verksamt.se; the page says that an already registered AB applies to become a business customer using BankID. The website’s account-opening information page does not provide a complete, uniform application document checklist for each company type.
SEB’s public guidance for sole proprietors requires registration with the Swedish Tax Agency and receipt of F-tax approval before applying for a business package. This requirement applies only to the publicly described process for Swedish sole proprietors.
General preparation suggestions (not SEB's published policy): Company registration extract, Articles of Association, board or signing authorization, control/beneficial ownership structure, identity documents for responsible persons and beneficial owners, business description and expected transactions, registered and tax residence addresses, tax number, and proof of source of funds. SEB's specific requirements, translation/certification formats and acceptance of foreign legal entities must all be confirmed with the bank.

Address, tax, and remote / witnessed procedures

Address and tax

SEB’s personal postal application guide does not list general proof of address among the required documents shown; the complete address requirements should be confirmed in the PDF checklist provided with the application. The Swedish Tax Agency states that people registered in the Swedish Population Register are assigned a personnummer; people not previously registered may, if eligible, receive a coordination number (samordningsnummer), but having a coordination number alone does not mean SEB has confirmed eligibility to open an account. Swedish tax residence is determined based on facts such as residence, habitual presence, or significant connections; unlimited tax liability generally covers income in and outside Sweden, while limited tax liability applies to specified income. SEB’s reviewed pages do not fully disclose the required format for foreign tax identification numbers and addresses for bank tax self-certification. Applicants should truthfully provide all tax residences and tax identification numbers and confirm the bank’s form and proof-of-address requirements.

Remote / witnessing

The official website confirms only that people who meet the Swedish personnummer and mobile BankID requirements can apply online; a separate route requires documents to be printed, signed in original, and sent by post. The materials reviewed do not confirm video account opening for applicants worldwide, remote identity verification from abroad, third-party witnessing, or alternatives using notarized documents. Nonresidents and people unable to use Swedish BankID should first confirm with SEB whether they must visit a branch in Sweden or follow another designated process; do not assume the process can be completed remotely.

Public process reference

Individual customers should first check whether they qualify for the website's digital application route requiring a Swedish personnummer and Mobile BankID; if they have a Swedish personnummer and Swedish ID card but cannot apply digitally, follow the website's instructions to complete the customer information form, attach copies of documents, and mail the originally signed materials.
Business customers: Select the relevant public SEB application route by company type. A newly established Swedish AB applies for a bank certificate as part of the company registration process; an existing AB applies with BankID as instructed on the page. Sole proprietors should first complete registration with the Swedish Tax Agency and the F-tax steps.
SEB assesses each business application individually and may decline it. Non-residents, foreign legal entities, foreign tax residents, and applicants without Swedish BankID should first ask in writing about legal-entity and product suitability, acceptable documents, identity verification, and any in-person requirements.
After becoming a SEB corporate customer, the website explains that you can apply to add a corporate account through Business Arena; opening an account as a new customer and adding an account later are separate processes.

Compliance topics, details, and sources

Swedish anti-money laundering and customer due diligence (AML/KYC)

Sweden’s Act on Measures against Money Laundering and Terrorist Financing (2017:630) requires relevant entities to identify customers and verify their identity using reliable, independent sources, verify the identity of customers and beneficial owners before establishing a business relationship, and continuously monitor relationships and transactions. SEB’s public website does not list due diligence thresholds or case-specific review checklists; the bank may request additional information based on risk.

Source:Swedish Parliament — Anti-Money Laundering Act 2017:630

Beneficial owners, control structure and source of funds

Swedish anti-money laundering law requires investigation of whether a customer has a beneficial owner, including at least a search of the Swedish register of beneficial owners. For a legal entity, its ownership and control structure must be understood and the beneficial owner’s identity verified. Due diligence may also require additional information on the customer’s and beneficial owner’s financial circumstances, the purpose of the business relationship and the source of funds. The specific documents and scope of enhanced due diligence are determined by the bank based on risk; this is not advice on avoiding scrutiny.

Source:Swedish Parliament — Anti-Money Laundering Act 2017:630

Swedish tax residents and CRS/DAC2 automatic exchange

The Swedish Tax Agency explains that Swedish reporting financial institutions must identify reportable accounts and submit account information to the Tax Agency, and that CRS/DAC2 is a framework for the automatic exchange of financial account information between participating jurisdictions. Applicants should accurately disclose their tax residence and relevant tax identification numbers; whether an account is reportable is determined under applicable rules. This framework is not a commitment by SEB to open an account for any particular applicant.

Source:Skatteverket — CRS reporting ；Skatteverket — Liability for taxation

FATCA (U.S. tax status)

The Swedish Tax Agency explains that Swedish financial institutions submit FATCA information to the Swedish Tax Agency on reportable accounts of U.S.-related persons/entities, which then transfers it to the IRS under the agreement between Sweden and the United States. This is the FATCA pathway; it does not mean that the United States has joined CRS. Applicants must accurately disclose any applicable U.S. tax status; SEB must confirm the classification and document requirements for individual accounts.

Source:Skatteverket — FATCA reporting

EU sanctions and transaction restrictions

In certain listing and transaction scenarios, EU restrictive measures may include asset freezes and prohibitions on making funds available to designated individuals or entities. This public material supports the legal context for the scope of sanctions, but does not disclose SEB’s internal screening tools, list-update procedures, or policies concerning any particular nationality/customer category. The bank must confirm the applicability of any transaction or customer on a case-by-case basis in accordance with the law.

Source:Council of the European Union — EU sanctions against Russia

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

This guide concerns the Swedish personal identity document mailing pathway publicly listed by Swedish banking entity Skandinaviska Enskilda Banken AB (publ), and its entry point for Swedish business customers. The latter lists Swedish AB companies, partnerships, associations, and other entities, but does not establish that foreign companies or nonresidents are confirmed eligible to open accounts. SEB states that business applications are assessed individually and may be refused. Mr. Tang can personally follow up on documents and appointments, explain fees in advance, and confirm the appointment time, but cannot guarantee the bank’s decision.

Date information checked:2026-10-26

Document Preparation Checklist

Applicant, signatories, and application-route documents

Who it applies to: Applies only to SEB's published route involving a Swedish personal identity number and mailing a Swedish ID card, and preparation for identity verification of a company applicant's representative; it is not a general checklist for all non-residents or overseas representatives.
Documents to Prepare: Individuals should prepare a Swedish identity card for the applicable route; SEB's postal guide also requires non-EU/EEA citizens to provide a valid Swedish residence permit card.
The business representative should have access to Swedish BankID (the SEB transfer-in route for existing ABs specifies this identification method); if unavailable, first ask about alternative verification and in-person arrangements.
For SEB’s personal application by mail, complete the customer information form, print and sign the original, and indicate the place and date; mail document copies as specified in the checklist. Businesses should use the application channel for their selected company type.
Description: The above personal documents and signing/mailing procedures for Sweden apply to a specific route expressly described by SEB. The corporate pages expressly state only certain application channels, BankID, and the bank certificate process for newly formed AB companies; they do not publish a uniform corporate due diligence checklist. Confirm against the bank's current checklist whether documents need certification, an apostille, translation, originals, or a specific validity period.

Source:SEB — Become a business customer；SEB — Become a customer – guide for people with a Swedish personal identity number and Swedish ID document

Company legal entity, authorization, and beneficial ownership control chain

Who it applies to: For companies, partnerships or associations applying for SEB business services; regarding foreign legal entities, this is only due diligence preparation and does not indicate that the entity meets SEB’s acceptance criteria.
Documents to Prepare: It is advisable to have a recent company registration extract, constitutional/organizational documents, and the basis for appointing or authorizing directors, signatories, or authorized representatives ready.
Prepare a shareholding and voting-rights chart tracing ownership from the applicant entity through each level to natural persons. Show intermediate legal entities, the percentage at each level, contractual control or rights to appoint or remove directors, and prepare the corresponding shareholder registers, registration records, or extracts of agreements.
Prepare beneficial ownership register information and identity documents for the beneficial owners. If you believe there is no identifiable beneficial owner, prepare an explanation of the investigation and identify the senior managing official ultimately responsible.
Description: Swedish law requires applicable entities to keep reliable and up-to-date information on beneficial owners and provide relevant records to banks as required; specific document formats and SEB’s certification/translation standards for foreign documents have not been made public. Voting rights exceeding 25% are only one of several presumptions of control under Swedish law and should not be presented as a universal global threshold.

Source:Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)；Swedish Parliament — Lag (2017:631) om registrering av verkliga huvudmän (Act on the Registration of Beneficial Owners)

Business Substance, Intended Account Use, and Evidence of Funds

Who it applies to: Preparation suggestions for applicants for a business account; this does not claim that SEB has published a document checklist or that the materials are required of every applicant.
Documents to Prepare: It is advisable to prepare a concise business description listing the regions where customers/suppliers are located, main products or services, intended account use, and expected types and frequency of receipts and payments, supported by contracts, orders, invoices, or website materials.
It is advisable to prepare an explanation and verifiable evidence for the source of startup funds or major deposits, such as a capital contribution resolution/bank statements, operating revenue contracts and invoices, asset sale evidence, or loan documents. Use materials that reflect the facts; irrelevant documents need not be included.
Prepare the company’s and controllers’ tax residences, tax identification numbers, and contact addresses. Ask SEB which tax self-certification form it uses and whether additional address or tax documents are required.
Description: Swedish anti-money laundering law requires banks to understand the purpose and nature of a business relationship and the activities that may be expected. Where risk is higher, enhanced due diligence must be applied in accordance with the law and may involve collecting further information on the customer’s/beneficial owner’s financial circumstances and source of funds. These evidence types are preparation suggestions to facilitate verification, not a fixed document list published by SEB.

Source:Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)

Due diligence and enhanced verification

Beneficial Owners and Actual Control

Basis for Verification: Swedish anti-money laundering law requires banks to investigate whether a customer has a beneficial owner, consult the Swedish register of beneficial owners, understand a legal entity’s ownership and control structure, and verify the beneficial owner’s identity. Under Sweden’s register law, presumptions of control include holding more than 25% of total voting rights, the right to appoint or dismiss more than half of the board members, and control arising from an agreement or articles of association. The facts of each case must be considered.
Preparation recommendation: It is advisable to list natural persons, voting rights, ownership, control agreements and directors' appointment/removal powers at each level. For inconsistencies between registration records and internal company records, prepare an update application, shareholder resolution or explanation. This preparation does not replace the bank's independent verification.
Scope: Legal requirements apply to customer due diligence by Swedish banks; the territorial scope of the Beneficial Owners Register Act includes Swedish legal entities and foreign legal entities conducting business in Sweden, among others, and is not a globally uniform 25% rule. SEB has not published its case-specific document requirements.

Business purpose, expected transactions, and source of funds/wealth

Basis for Verification: The law requires banks to understand the purpose and nature of a business relationship and, based on customer risk, to understand expected activity and transactions; where enhanced due diligence applies, the law lists measures to obtain additional information, including the financial circumstances and source of funds of the customer and beneficial owner. There is no evidence that SEB requires every customer to provide statements covering a fixed period or to meet a specific minimum amount.
Preparation recommendation: It is advisable to align expected transaction volumes, currencies, regions, and key counterparties with the scale of the business. Prepare source documents for share capital, financing, sales revenue, or significant one-off deposits, and explain any large transactions that differ from day-to-day operations.
Scope: Statutory risk-based review and customer preparation recommendations are distinct; SEB’s actual risk classifications, amount thresholds, and internal limits have not been published.

Source:Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)

Politically exposed persons (PEPs) and high-risk relationships

Basis for Verification: Swedish anti-money laundering law requires banks to determine whether a customer or beneficial owner is a PEP, or a family member or known close associate of one. Enhanced due diligence must be applied in high-risk circumstances in accordance with applicable rules. PEP status is not itself a sanctions designation and does not mean that an account application will necessarily be rejected.
Preparation recommendation: If you, a controller, or a relevant beneficial owner holds a relevant public office or has an association with one, we recommend accurately disclosing the position, term of office, relationship, and records that explain the source of wealth/funds. Do not use concealment of the relationship as a substitute for bank review.
Scope: Local statutory review requirements; SEB’s specific screening methods, document formats, and risk appetite are not public.

Source:Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)

Non-residents, cross-border structures, and tax information

Basis for Verification: SEB’s public pages describe only specific routes for Swedish individuals and an application route for Swedish businesses. They do not confirm that nonresidents without a Swedish personal identity number or foreign-registered companies can generally open accounts, and do not publish a uniform tax-document list for cross-border customers.
Preparation recommendation: Before applying, tell the bank the place of incorporation, place of business, controllers' places of residence, and cross-border fund flows. Ask whether the customer type/product is accepted, whether an in-person visit is required, and which tax self-certification, tax identification number, and address documents apply. Complete forms based only on actual tax-resident status.
Scope: The bank has published limited eligibility information; this is advice to obtain confirmation before applying and does not imply that SEB must accept applicants from a particular jurisdiction or allow remote account opening.

Source:SEB — Become a business customer；SEB — Become a customer – guide for people with a Swedish personal identity number and Swedish ID document

Ongoing Compliance Requirements After Account Opening

Ongoing customer due diligence and transaction monitoring

Swedish anti-money laundering law requires banks to review relationships on an ongoing basis and as needed to ensure that information on customers, beneficial owners and risks remains adequate and up to date, and to monitor activity and transactions. After opening an account, it is advisable to retain contracts, invoices, source-of-funds records and explanations of significant transactions. If transactions differ markedly from the stated business model, prepare a verifiable explanation promptly. SEB has not published its review frequency, notification method or response deadlines.

Source:Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)

Beneficial Owner Records and Registration Changes

Legal entities subject to Swedish registration law must keep up-to-date, reliable information on beneficial owners and the nature/extent of their interests, and document their investigations. Changes to previously reported information must be reported to Bolagsverket without delay after becoming known. It is also advisable to update account information in accordance with SEB’s account terms or the bank’s instructions; the bank’s update channels and schedule should be confirmed.

Source:Swedish Parliament — Lag (2017:631) om registrering av verkliga huvudmän (Act on the Registration of Beneficial Owners)

Changes to Tax Residency or Contact Information

The SEB public account-opening page reviewed for this research does not state a fixed update cycle for tax self-certification or address information. As a practical matter, it is advisable to retain the version submitted and proactively ask SEB whether forms or supporting documents need updating when tax residence, tax identification number, registered address, business activities, or control structure changes. This recommendation is not presented as a verified SEB-specific obligation.

Source:SEB — Become a business customer；SEB — Become a customer – guide for people with a Swedish personal identity number and Swedish ID document

Please confirm with the bank before booking

Does the Swedish legal entity SEB currently accept applications from our company based on its place of registration, industry, place of business, and the residence of its controllers? Which business product would apply?
For directors, signatories or beneficial owners who are not Swedish residents, which identity-verification methods are accepted? Is Swedish BankID, an in-person visit or a designated representative required?
Please provide the complete document checklist applicable to our company type, and explain whether foreign registry documents must be authenticated/apostilled or translated, submitted as originals, or meet a specific issue-date requirement.
In addition to company registration and beneficial ownership information, how does the bank want the business purpose, expected transactions and initial source of funds to be explained? What forms of supporting evidence are required?
What are the account-opening fees, monthly account fees, processing times, and arrangements for subsequent periodic/event-triggered reviews? Which fees apply to this company’s application?

Not confirmed by public information

SEB has not confirmed in the public information reviewed that nonresident individuals without a Swedish personal identity number or foreign legal entities can generally open accounts; eligibility must be confirmed by the bank on a case-by-case basis according to the legal entity, product, and risk.
The complete business account-opening due diligence checklist, certification/translation requirements for foreign documents, document validity periods, and alternative verification paths for representatives who are not Swedish residents have not been published.
The business application page states that applications may be declined without further explanation; internal risk appetite, industry/region limits, PEP handling details, and minimum deposits are not publicly disclosed, so no assumptions are made.
The business website lists a setup fee and monthly account fee; their applicability must be verified when applying. Personal fees, case processing times and post-opening review intervals could not be confirmed from the materials consulted.

Sources & Scope of Verification

SEB — Become a business customer
SEB’s official page lists Swedish business types and application routes: a newly established Swedish AB may apply for a bank certificate, and the transfer route for an existing AB uses BankID. Business package applications are individually assessed, may be declined, and no further explanation is provided. The page states a startup fee of 2,500 Swedish kronor, but does not provide a uniform due diligence document checklist.
SEB — Become a customer – guide for people with a Swedish personal identity number and Swedish ID document
SEB states that this specific postal application route requires a Swedish ID document; citizens outside the EU/EEA must also have a valid Swedish residence permit card. Applicants must complete the customer information form, sign the original, state the place and date, attach document copies as listed, and mail the application. The page warns that processing takes a long time.
Swedish Parliament — Lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering and Terrorist Financing)
Current Swedish official legislation provides for customer identity and beneficial owner verification, understanding legal entities’ ownership/control structures, PEP assessment, understanding the purpose of the relationship and expected activity, enhanced due diligence based on risk, and ongoing review and transaction monitoring. These are bank obligations under law, not SEB’s internal document checklist or a promise to open an account.
Swedish Parliament — Lag (2017:631) om registrering av verkliga huvudmän (Act on the Registration of Beneficial Owners)
The official Swedish legal text defines beneficial owners and presumptions of control (including more than 25% of total voting rights, the right to appoint or dismiss more than half of the board members, and control by agreement), requires legal entities to keep relevant information up to date and retain investigation records, and requires changes to be registered without delay after the reported facts change. The scope of application is limited by the provisions of the Act.

Fees and timelines

According to SEB’s business account page (checked on 2026-10-26), the listed price for a business current account is 60 Swedish kronor per account per month, and the fee for a Bankgiro number is 0 Swedish kronor. The business account page lists a start-up fee of 2,500 Swedish kronor for the process for new ABs/business packages described there; verify the applicable customers and current prices when applying. The pages reviewed did not confirm personal account fees, minimum account balances, minimum business deposits, or the time required to open personal or business accounts. The personal mail-in guide only warns that processing takes longer than usual and gives no number of days.

Limitations and practical considerations

SEB expressly states that business package applications are assessed individually and may be declined; the published application routes do not guarantee approval.
No public confirmation has been found that SEB generally accepts non-resident individuals without a Swedish personnummer or foreign-incorporated legal entities. A Swedish identity number, Swedish BankID or residence documents are requirements in some of its published processes and should not be assumed to be sufficient for all products.
SEB’s authorization information says that business in other countries may be conducted through local branches or foreign subsidiaries, and that subsidiaries require local authorization. Authorization for the Swedish legal entity does not mean that the entity can open accounts or offer retail products everywhere in the world.
Public materials on the webpage do not establish that SEB is currently an account-opening channel for which RGYS can arrange appointments or handle applications; eligible applicants, service locations and contact channels must be confirmed directly with SEB.
Applicable Swedish AML/KYC, tax reporting, and EU sanctions rules may result in additional reviews or transaction restrictions. Do not use this profile to infer ways to bypass screening.

Licensing evidence and regulatory verification

Entity identification verified: A regulatory decision published by FI on 2020-6-25 names Skandinaviska Enskilda Banken AB (502032-9081) and records it as a banking company authorised to conduct banking business under Sweden's Banking and Financing Business Act. This is a historical regulatory record and does not independently establish its current registration status in 2026. SEB's current official authorisation statement says that this Swedish credit institution is authorised by FI to provide banking and investment services. FI's official company register entry point confirms that the register covers companies authorised to provide financial services, but this review could not confirm the legal entity's live entry in the dynamic register on 2026-10-26. The register entry point itself is therefore not treated as completed verification against the current register, and no undisclosed licence number is asserted.

Swedish Financial Supervisory Authority (Finansinspektionen, FI) Official registration or record

Information sources

SEB — Authorisations
SEB officially discloses that Skandinaviska Enskilda Banken AB is a Swedish credit institution and states that it is authorized by Finansinspektionen to provide banking and investment services. This is the bank’s own current disclosure of its authorization and does not replace a real-time regulatory register check.
Finansinspektionen — Company register
FI explains that its company register includes companies authorized to provide financial services and related entities, displays formal registered names that may differ from brands, and may take up to two days to update. This page is an entry point to the register, not a specific live SEB listing.
Finansinspektionen — SEB decision, 25 June 2020
The full text of an FI supervisory decision names Skandinaviska Enskilda Banken AB and registration number 502032-9081, describing it as a banking company authorized to conduct banking business under the Banking and Financing Business Act. This is a historical supervisory document from 2020; it does not by itself establish the current license status in 2026.
European Banking Authority — Credit institutions register
The EBA states that the register is based on information provided by national competent authorities, that EU banking authorisations remain the responsibility of national competent authorities/the ECB, and that the EBA’s consolidated register has no legal effect. This supports not treating the consolidated register’s access point as conclusive proof of a licence.
SEB — Become a private customer
SEB states that people with a Swedish personal identity number and mobile BankID can apply digitally; those with a Swedish personal identity number and Swedish ID document who cannot apply digitally can apply by post. It also links to a guide for newcomers.
SEB — Become a customer with a Swedish personal identity number and Swedish ID
SEB lists a Swedish ID document as required for this postal application route, and a valid Swedish residence permit card for citizens outside the EU/EEA. It requires the customer information form to be signed in original, dated and place-stamped, and copies of documents to be mailed as instructed; it also warns that processing takes a long time.
SEB — Become a business customer
SEB lists application routes for newly established or existing Swedish ABs and other business types. It states that a newly established AB needs a bank certificate and an existing AB can apply using BankID, and that business package applications are individually assessed and may be declined. The page lists a startup fee of 2,500 Swedish kronor.
SEB — Business account
SEB describes business account purposes, states that existing business customers can open additional accounts through Business Arena, and lists the monthly account fee as 60 Swedish kronor and the Bankgiro number fee as 0 Swedish kronor.
Swedish Parliament — Anti-Money Laundering Act 2017:630
Swedish legal requirements concerning customer identity verification, investigation of beneficial owners and identity control, understanding the ownership and control structure of legal entities, ongoing monitoring, and the risk-based collection of information on customers’/beneficial owners’ financial circumstances and source of funds.
Skatteverket — CRS reporting
The Swedish Tax Agency explains that under CRS/DAC2, Swedish reporting financial institutions must identify reportable accounts and submit account information to the Tax Agency; its page is addressed to Swedish financial institutions.
Skatteverket — FATCA reporting
The Swedish Tax Agency explains that Swedish financial institutions submit information on U.S.-related reportable accounts to Skatteverket, which then forwards it to the IRS under the agreement between Sweden and the United States; this supports distinguishing FATCA from CRS.
Skatteverket — Liability for taxation
The Swedish Tax Agency explains that residence, habitual presence, or significant ties to Sweden may trigger unlimited tax liability, while those without unlimited tax liability are subject to limited tax liability.
Skatteverket — Personal identity numbers
The Swedish Tax Agency explains that people registered in the population register are assigned a personnummer, which is used as an identification number with government agencies and private companies.
Skatteverket — Coordination numbers
The Swedish Tax Agency explains that a coordination number is an identity number that may be assigned to an individual who has never been registered in the population register, and describes identity verification and mailing-address rules; it does not state that this number automatically qualifies someone to open an account with SEB.
Council of the European Union — EU sanctions against Russia
The Council of the European Union explains that restrictive measures may include asset freezes targeting individuals and entities and prohibitions on making funds available to designated persons. This supports the sanctions context but does not establish SEB’s internal screening procedures or account-opening decisions.
The Banker — Top 1000 World Banks
The Banker official page gives the publication context for the 2026 annual Top 1000 World Banks; the specific Tier 1 capital basis and inclusion mapping are based on the candidate description in the input selection.json. This profile does not claim an individual ranking for this legal entity.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: SEB's legal banking entity name and registration number have been verified, and FI's supervisory decision concerning that entity in 2020 has been found. SEB's current authorisation disclosures on its official website and the regulator's historical records corroborate each other. However, the specific live 2026 entry in FI's dynamic company register could not be independently confirmed, so the current register record and licence status still require rechecking. SEB's official website also does not explicitly confirm that all non-resident individuals and overseas-registered businesses can open accounts.
Author: Drew

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