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Overseas banking/Sweden

EuropeSwedenLicensed-entity research

Svenska Handelsbanken AB (publ)

Svenska Handelsbanken AB (publ) (Swedish commercial banking company; not replaced here by the Handelsbanken brand or a holding entity)

The entity recorded in the FI register is the Swedish bank Svenska Handelsbanken AB, listed as an active banking company. Its public pages confirm that applications by individual customers require identity verification and customer due diligence, and note limitations on its ability to serve people living in certain locations outside Sweden. Public information does not confirm that all citizens, residents, or non-residents may open accounts, nor does it publish a complete set of eligibility criteria and document requirements applicable to all individuals abroad and foreign companies.

Regulator
Swedish Financial Supervisory Authority (Finansinspektionen, FI)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The specific legal entity record in FI's register has been checked, and the bank's personal account-opening preparations, restrictions on overseas residence and corporate contact process have been reviewed. However, the full current banking authorisation entry, the scope of acceptance by country/for non-residents and overseas businesses, dedicated corporate documents, remote witnessing methods and account-opening fees/timelines have not been fully confirmed on the public pages reviewed.

Research scope and official resources

Topic number:europe-svenska-handelsbanken-ab

The candidate set provided by the user lists it as a selected large Nordic bank under The Banker Top 1000 World Banks 2026 criteria. This is background on the institution’s selection only; it does not indicate a current global top 100, a specific ranking, or an account-opening or regulatory outcome.

Bank’s official website

Personal Eligibility and Documents

The official website confirms that, when applying as a personal customer, people with a Swedish personal identity number are generally identified using valid Swedish identity documents; those without a Swedish personal identity number may use a valid foreign passport or national identity card, and certain other photo IDs may also be accepted in individual cases. Non-EU/EEA citizens must also be able to show a residence permit. The website says the bank will ask about the purpose of the account relationship, planned deposits and their source, countries for cross-border payments, and tax residence. The English account-opening information says an initial in-person meeting takes place at a branch. For foreign nationals living in Sweden, these are published identification/application preparation rules and do not mean that an account will be approved. For people living outside Sweden, the bank expressly says that its ability to provide services in some countries (for example, the United States and the United Kingdom) is limited and reserves the right to refuse services that may breach the rules of other countries. No complete acceptance list by specific country, nationality, residence status, or nonresident category was found; the bank must confirm each case in writing.

Personal information publicly disclosed or identified

  • The bank states that people with a Swedish personal identity number can generally be identified using a valid Swedish passport, Swedish driving licence, Swedish Tax Agency ID card or national ID card.
  • The bank states that people without a Swedish personal identity number may use a valid foreign passport or national ID card; certain other photo IDs may be accepted in individual cases.
  • The bank states that non-EU/EEA citizens must be able to present a residence permit in addition to valid identity documents.
  • The bank says that in some circumstances it may request additional supporting documents, such as bank statements, proof of balance, or a contract for the sale of assets, to support source-of-funds information.
  • The bank says that it may require proof of employment if the purpose of opening the account is to work in Sweden, or an admission letter or proof of enrollment if the purpose is to study in Sweden. The bank decides whether this applies to a specific application.

Company eligibility and documents

The official website's business customer page instructs customers to contact their nearest branch about business services. Public pages do not provide comprehensive account-opening eligibility rules for foreign-incorporated companies, nonresident businesses, or companies in specific industries, nor do they confirm remote account opening. A company registered in Sweden may apply through a local branch, but the bank must still confirm whether its legal entity type, business purpose, ownership and control structure, authorized representatives, place of business, and risk review meet requirements. Whether overseas companies can open accounts, whether Swedish business connections or local registration are required, and the standards for verifying beneficial owners and industry/country restrictions have not been publicly confirmed. Business product marketing should not be treated as a promise of approval.

Company information publicly disclosed or identified

  • The bank has not listed a complete mandatory document checklist on the public business customer pages reviewed. The following are general compliance preparation suggestions only and are not Handelsbanken-specific published policies: company registration extract, formation/organizational documents, and up-to-date business address information.
  • General compliance preparation suggestion (not a checklist published by the bank): Board/signatory authorization or proof of authority for an authorized representative, the representative’s identification, and documents sufficient to explain the company’s ownership and control structure and identify its beneficial owners. Swedish anti-money laundering law requires regulated entities to identify beneficial owners and understand legal entities’ ownership and control structures, but ask the bank about the specific submission format.
  • General compliance preparation suggestion (not a checklist published by the bank): Business activities, expected account use, main transaction countries, expected incoming/outgoing payment patterns, and supporting documents on the source of funds/wealth of the company and beneficial owners. The bank’s personal account-opening information lists similar customer due diligence questions, but no corresponding corporate-specific document list has been published.

Address, tax, and remote / witnessed procedures

Address and tax

The bank’s public account-opening preparation page reviewed requires applicants to declare the countries in which they have tax obligations, but it does not publish a proof-of-address checklist applicable to all applicants. The Swedish Tax Agency explains that cross-border reporting uses the relevant countries’ tax identification numbers (TINs), which have different formats in different countries. Applicants should prepare information on their tax residence(s) and relevant TINs or an explanation that they do not have a TIN, and provide additional proof of residential address as requested by the bank. Do not treat the Swedish personal identity number, tax residence and nationality as the same concept; see the personal-document fields for identification methods when a Swedish personal identity number is not available.

Remote / witnessing

The official English-language personal customer process explicitly begins with an in-person meeting at a branch; the business customer page instructs customers to contact their nearest branch. No public rules were found confirming that global video account opening, remote witnessing overseas, consular/notarial witnessing, or third-party witnessing can replace the in-person meeting. Nonresidents should first obtain written confirmation from the intended branch as to whether identity verification and document certification can be completed remotely.

Public process reference

  1. Personal application: Contact the Handelsbanken branch in the area where you intend to apply and book the personal meeting described on the official website. The website does not confirm that account opening can be completed solely by submitting an online form.
  2. Prepare identification. If you do not have a Swedish personal identity number, prepare a foreign passport or national identity card as instructed by the bank. Non-EU/EEA citizens should also prepare a residence permit, if applicable.
  3. Prepare an explanation of the account's purpose, planned deposit amount and source of funds, countries involved in cross-border payments and receipts, and tax residence. Depending on the case, the bank may request statements, proof of balance, a sale contract, employment evidence or proof of study.
  4. If the applicant resides outside Sweden, first confirm with the bank whether it can serve residents of that country. The bank explicitly states that service is restricted in some countries, including the United States and the United Kingdom, and reserves the right to refuse service due to conflicts with foreign regulations.
  5. Business applications: Contact the nearest branch and make an appointment with a business adviser/for a meeting; confirm application forms, business documents, remote application options, and review steps directly with the bank.

Compliance topics, details, and sources

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

The Swedish Financial Supervisory Authority explains that it issues anti-money laundering rules and supervises regulated entities’ compliance. Handelsbanken says it asks about the purpose of the account relationship, expected use, planned deposits and source of funds, countries for incoming and outgoing cross-border payments, and tax residence; the Swedish Anti-Money Laundering Act requires customer identification and verification, ongoing understanding of the business relationship, and risk-based measures. The specific risk-rating and additional-document standards have not been fully disclosed publicly.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer) ；FI：Anti-money laundering and countering financing of terrorism ；Sweden’s Money Laundering Act (2017:630)

Beneficial owners, control, and source of funds

For corporate customers, Sweden's Anti-Money Laundering Act requires investigation of beneficial owners, understanding of ownership and control structures, and verification of beneficial owners' identities; in legally defined enhanced due diligence cases, additional information such as source of funds must also be obtained. Handelsbanken's personal application page also publicly lists source-of-funds questions and notes that statements, proof of balance, or sale contracts may be required. The specific corporate document list and verification thresholds must be confirmed with the bank.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer) ；Sweden’s Money Laundering Act (2017:630)

Tax Residency Self-Certification, CRS/DAC2, and TIN

Handelsbanken asks individuals to state the countries in which they have tax obligations. The Swedish Tax Agency explains that CRS is the OECD standard for exchanging financial account information and DAC2 is the EU member states’ automatic exchange rule. Swedish reporting financial institutions must identify reportable accounts and submit information to the Tax Agency; cross-border tax reporting uses the relevant country’s TIN. Whether an applicant/account type is reportable depends on the rules and the facts of the case.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer) ；Skatteverket：CRS – kontrolluppgifter ；Skatteverket：FATCA – kontrolluppgifter

FATCA and U.S. tax connections

FATCA and CRS are separate regimes. The Swedish Tax Agency states that Sweden has signed a FATCA agreement with the United States, under which Swedish financial institutions report information on reportable accounts held by relevant U.S. individuals/businesses to the Swedish Tax Agency as required, and the agency then forwards it to the IRS. The United States should therefore not be described as participating in CRS. Applicants should truthfully disclose U.S. tax status or relevant tax-residence jurisdictions; the bank’s specific form requirements are not listed on the pages reviewed.

Source:Skatteverket：FATCA – kontrolluppgifter

UN and EU sanctions screening

The Swedish Government states that international sanctions applicable in Sweden are adopted by the United Nations or the European Union, and that relevant EU sanctions regulations apply directly in Sweden. FI is responsible for financial sanctions-related functions and supervises financial companies’ compliance with EU sanctions regulations. The bank’s specific screening lists, screening frequency and case-handling policies have not been publicly verified.

Source:Swedish government: UN sanctions and EU sanctions ；FI：International sanctions

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

Applicable to preparations for personal applications related to Swedish commercial bank Svenska Handelsbanken AB (publ). For business customers, this provides only a reminder to prepare due-diligence information under Swedish anti-money-laundering law. Eligibility for individuals living abroad and foreign companies, remote verification, and a dedicated document checklist have not been confirmed by the public sources reviewed. Drew can follow up personally on documents and appointments, explain fees in advance, and confirm a time, but cannot guarantee that the bank will accept the application or open an account.

Date information checked:2026-10-26

Information evidence package

Personal identity, residence status and tax residency information

Who it applies to
Individual applicants; the bank’s published identification rules are for individuals and cannot be used to infer all documentation requirements for business representatives.
Documents to Prepare
  • If you have a Swedish personal identity number, prepare a valid Swedish passport, driving licence, Tax Agency ID card, or national identity card, in line with the bank’s published usual practice; if you do not have a Swedish personal identity number, prepare a valid foreign passport or national identity card.
  • Non-EU/EEA citizens should prepare a residence permit. Also prepare your current residential address and each tax-residence jurisdiction, with the relevant TIN or an explanation for not having a TIN. Confirm with the branch the specific forms and acceptable format for proof of address for the latter items.
  • If the name on your identity document, residence status, or tax-residence jurisdiction differs from the application information, we recommend attaching an explanation of the name change/residence change or tax-residence jurisdiction, together with supporting documents, to avoid inconsistencies. This is a preparation recommendation.
Description
The bank expressly states the acceptable document types and that non-EU/EEA citizens must be able to present a residence permit. The bank has not published a proof-of-address list, document validity period, or translation or certification standards on the pages reviewed; do not assume a universal three-month proof-of-address rule.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)；Skatteverket: CRS – reporting information (CRS information reporting)

Account purpose, anticipated transactions and source-of-funds trail

Who it applies to
Individual applicants; business customers may refer to equivalent evidence for organizations, but business-specific document requirements have not been published.
Documents to Prepare
  • State the purpose of opening the account, the account/services to be used, the expected deposit amount, and the main countries from which payments will be sent and received. Prepare a concise explanation consistent with actual income or activity.
  • Organize traceable documents that reflect the actual source of funds; examples the bank may request include bank statements, balance confirmations, or asset sale contracts. It is recommended to link the sale contract, settlement/deposit record, and statement showing the transfer to the account, or to explain a large deposit with salary/business income records.
  • If the purpose of opening the account is to work or study in Sweden, the bank lists proof of employment or an admission letter/proof of enrolment as documents it may require. The bank will decide on a case-by-case basis whether these apply and whether other documents are needed.
Description
The bank requires an explanation of the purpose of the relationship, the planned deposit amount, the source of funds, the country of overseas payments and tax residence. Statements, proof of balance, sale contracts, and proof of employment/study are possible supplementary documents cited by the bank, not a list required from every customer. Supporting documents should correspond to the amount, dates, payer, and flow of funds. The bank has not published specifications for originals, certified copies, or translations.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)

Company identity, authorization, and ownership/control chain

Who it applies to
Suggestions for preparing an application for a legal entity or other legal arrangement; the bank did not publish a corporate account document checklist on the pages reviewed, so these should not be presented as its specific mandatory requirements.
Documents to Prepare
  • Prepare company registration/good-standing extracts, articles or formation documents, registered and actual business addresses, and a brief description of the business, customer/supplier locations, and purpose of the account.
  • It is advisable to have appointment/authorization documents and identification for directors or authorized signatories ready, and to explain the direct and indirect control chain using share registers, an organization chart, shareholder registers, control agreements, or similar documents.
  • It is advisable to have identification details for shareholders/beneficial owners, along with documents supporting the financial circumstances and source of funds of the company and relevant individuals. For complex, multi-layer ownership, include an explanation listing each entity’s name and place of registration, as well as the ownership/control relationship at each level.
Description
Swedish law requires regulated entities to investigate beneficial owners, understand legal entities’ ownership and control structures, and verify identities; the specific documents to be submitted, accepted forms of certification, and thresholds for identifying beneficial owners should be confirmed with the bank. This guidance does not apply a uniform global 25% threshold.

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

Due diligence and enhanced verification

Beneficial owners, control chain, and representative authorization

Basis for Verification
Swedish anti-money laundering law requires investigation of whether a customer has a beneficial owner. For legal entities, this must at least include a search of the register of beneficial owners; the ownership and control structure must be understood, and the beneficial owner’s identity verified. The statutory text reviewed does not provide a simple ownership threshold applicable to all circumstances.
Preparation recommendation
Prepare a control chart tracing each level from the applicant legal entity to natural persons, listing shareholdings, voting rights, other means of control, and supporting documents. If no identifiable beneficial owner exists, prepare an explanation and ask the bank which type of senior manager should be identified as a substitute.
Scope
Swedish statutory due diligence obligations; the organization of the listed materials is a preparation suggestion, not a publicly disclosed bank document checklist.

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

Source of Funds, Wealth Status, and Enhanced Due Diligence for High-Risk Cases

Basis for Verification
Handelsbanken explicitly states that it will ask about the purpose of the relationship, expected deposit amount and source of funds, and lists statements, balance confirmations or sale contracts as possible additional documents. Swedish law requires particularly extensive checks for high-risk relationships and, where necessary, additional information about the financial circumstances and source of wealth of the customer/beneficial owner; enhanced due diligence does not automatically apply to every customer.
Preparation recommendation
Create a separate reconciliation table for each main source of funds, linking the amount, source event, original supporting documents, and incoming transaction record. Explain and provide traceability documents for asset sales, inheritances, dividends, business income, or family transfers only when genuinely relevant. Do not substitute a general declaration of funds for evidence that can be obtained.
Scope
The bank has published examples of questions and documents, as well as high-risk scenarios under Swedish law; specific risk ratings and standards for additional documents are not published.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)；Swedish Parliament: Lag 2017:630 om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering)

PEPs and Related Persons

Basis for Verification
Swedish law requires banks to determine whether a customer or beneficial owner is a politically exposed person (PEP), or a family member or known close associate of a PEP; PEP status does not itself mean that someone is subject to sanctions or that an account application will necessarily be rejected.
Preparation recommendation
For this type of status, we recommend accurately explaining the position/term of office, type of relationship, and related source of funds and wealth, and preparing documents that explain the accumulation of wealth, so the bank can assess the case individually.
Scope
Swedish statutory screening; specific questionnaires, document requirements, and approval procedures have not been made public.

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

Cross-Border Transactions and Tax Residency Self-Certification

Basis for Verification
The bank’s personal account-opening preparation page asks applicants to declare the countries in which they have tax obligations and asks about countries involved in cross-border payments. Sweden’s CRS/DAC2 rules require reporting financial institutions to identify reportable accounts and report them to the tax authority; this is an obligation of financial institutions and does not mean every customer or account is necessarily reportable.
Preparation recommendation
It is advisable to list all tax residences and the corresponding TINs and countries, and explain any discrepancy between nationality, place of residence, and tax residence. Also prepare the countries, counterparty relationships, purposes, and approximate frequency of anticipated cross-border transactions to help answer the bank’s due diligence questions.
Scope
The bank sets out personal information requirements, the Swedish reporting regime, and preparation recommendations for customers. The applicable account depends on the rules and the facts of each case.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)；Skatteverket: CRS – reporting information (CRS information reporting)

Ongoing maintenance obligations

Ongoing updates to relationship information and transaction monitoring

Swedish law requires banks to conduct ongoing monitoring of existing business relationships and follow up when necessary, keeping their understanding of the customer, beneficial owners, PEPs, and the purpose of the relationship up to date and sufficient to address assessed risks; banks must also monitor and assess customer activities and transactions. Customers can be prepared to respond promptly to requests from the bank for updated information or explanations of transactions, and to describe expected activity accurately when opening an account. The law and the bank pages reviewed do not disclose a uniform review cycle or fixed deadline for submitting additional documents.

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

Prepare to Explain Changes and Unusual Deviations

If there is a material change in the actual account purpose, controller, place of business/residence, main countries of incoming or outgoing payments, or expected transaction pattern, it is advisable to update the information proactively through a channel accepted by the bank. If transactions depart from the pattern described when the account was opened, prepare contracts, invoices, payroll/asset disposal records, and payment-chain information to explain them. This is a compliance preparation suggestion based on statutory ongoing due diligence and transaction monitoring, not a fixed bank notification deadline established in this review.

Source:Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)；Swedish Parliament: Lag 2017:630 om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering)

Tax Residency Information and CRS Checks

Swedish reporting financial institutions must identify reportable accounts and submit annual reports to Skatteverket as required by law. Customers should keep consistent records of their tax residence and TIN and provide timely clarification if their tax residence changes or the bank requests renewed verification. Public information does not confirm Handelsbanken’s specific deadlines, forms or account-specific outcomes for customer self-certification updates.

Source:Skatteverket: CRS – reporting information (CRS information reporting)

Please confirm with the bank before booking

  1. Based on the applicant’s current country of residence, nationality/residence status, and account purpose, will the target Handelsbanken AB branch accept the application? Must the applicant attend in person at a branch, and what are the appointment location and identity verification process?
  2. For individuals or foreign-registered companies, what identity documents, proof of address, and company registration documents does the bank currently accept? Are originals, certified copies, Swedish/English translations, or documents issued within a specified period required?
  3. Which funds, amounts, or periods should source-of-funds documents cover? What types of source evidence does the bank accept, and must the complete path of funds from the original source to the account to be credited be shown?
  4. What beneficial ownership/control-chain and authorization documents must business applicants provide? How does the bank handle structures with no identifiable beneficial owner or involving trusts/multiple foreign entities?
  5. Which form should I complete for tax residency self-certification, a TIN, or a U.S. tax connection? How and when should I update my details after a change in identity or tax residence?
  6. Please provide current written details applicable to this account and application category regarding account-opening/account fees, minimum balance (if any), review time, and arrangements for subsequent document reviews.

Not confirmed by public information

  • The public pages reviewed do not specify a complete list of personal or business documents applicable to all customers, certification/translation specifications for supporting documents, proof of address validity periods, or a remote witnessing process for non-residents.
  • The scope of services available to overseas-resident customers by country/customer category, and whether foreign companies may open accounts, industry restrictions, and local business connection requirements must be confirmed with the bank on a case-by-case basis; rankings and bank history were not researched again for this inquiry.
  • The bank’s internal risk ratings, PEP/sanctions screening process, acceptable combinations of source-of-funds evidence, fixed review frequency, account-opening timeline, fees, and minimum deposit have not been confirmed in the sources reviewed.

Sources & Scope of Verification

  1. Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)

    The bank’s personal customer page specifies identification documents applicable depending on whether the customer has a Swedish personal identity number; non-EU/EEA citizens must be able to show a residence permit. The bank will ask about the purpose of the relationship, expected deposit amount/source of funds, countries for incoming and outgoing payments from abroad, and tax residence. It lists possible requests for account statements, balance certificates, sale contracts, and employment or study certificates. It does not provide a complete list of company documents or document-format requirements.

  2. Swedish Parliament: Lag 2017:630 om åtgärder mot penningtvätt och finansiering av terrorism (Act on Measures against Money Laundering)

    The law requires investigation of beneficial owners; understanding the ownership/control structure of legal entities; identity verification; PEP assessment; information on the purpose of the relationship and expected activity; and ongoing monitoring to keep customer knowledge current and adequate. In high-risk cases, particularly extensive checks and additional information on financial circumstances/source of funds are required. Application depends on risk and facts; no internal bank threshold is inferred.

  3. Skatteverket: CRS – reporting information (CRS information reporting)

    The Swedish Tax Agency explains that under CRS/DAC2, Swedish reporting financial institutions must identify reportable accounts and provide account information to the Tax Agency. The source is addressed to financial institutions and supports the context of banks’ reporting obligations and account identification; it does not, by itself, establish that every customer must submit a specific form or will necessarily be reported.

Fees and timelines

The bank account-opening and customer preparation pages reviewed this time did not provide verifiable uniform figures for personal/business account opening fees, minimum deposits, review or account-opening timeframes, or account limits. Ask the intended branch for the current fee schedule and written confirmation of fees and conditions for the specific account and service; this file makes no estimates.

Limitations and practical considerations

  • The bank expressly states that its ability to serve customers residing in certain countries is limited, citing the United States and the United Kingdom as examples. It may also refuse to provide services if it believes that doing so could violate the rules of another country. This statement does not list all countries or specific application categories.
  • The bank requires personal customers to visit a branch for an in-person meeting when starting the process. No public evidence has been found that global video account opening, third-party witnessing, or remote account opening for non-residents is available.
  • No public confirmation has been found on whether foreign-incorporated companies may open accounts, which industries/ownership structures are acceptable, or any minimum local presence requirements for foreign companies.
  • The candidate set only describes the background for selecting research subjects. It does not prove that a bank accepts applications from customers or countries in question, nor does it constitute a currently available appointment or application-assistance channel. This is not a currently bookable channel through Rengangyongsheng. Applicants should confirm directly with the bank.

Licensing evidence and regulatory verification

A record matching the legal entity under review, Svenska Handelsbanken AB, was found in FI’s company register: company number 502007-7862, FI identification number 11123, category bank company (limited liability company), and status Akt iv (active) since 1993-09-30. The authorisation history lists a banking business licence from 1990 and states that the licence under the former law was replaced by a licence to conduct banking business. Accordingly, this confirms the entity and its classification as a bank company in the supervisory register; no licence number is fabricated, and historical registration information is not presented as an independently verified current licence number. For formal account opening or legal advice, confirm the full current banking licence entry and its scope with FI or the bank.

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

Information sources

  1. FI company register: Svenska Handelsbanken AB

    Registered entity name, company number 502007-7862, FI identification number 11123, bank company category and Aktiv status; the page also displays historical information about the banking licence and states that it has been superseded by the current banking licence. No licence number should be inferred from this.

  2. Handelsbanken: Så förbereder du dig inför att bli kund (How to prepare to become a customer)

    Different personal identity documents; foreign documents when there is no Swedish personal identity number; residence permits for non-EU/EEA citizens; customer due diligence questions; and possible requirements for proof of source of funds, employment, or studies.

  3. Handelsbanken: Är du bosatt utanför Sverige? (Do you live outside Sweden?)

    The bank says that it has limited capacity to serve customers residing in certain countries, citing the United States and the United Kingdom as examples, and reserves the right to refuse services where doing so could violate the rules of other countries.

  4. Handelsbanken：Becoming a customer

    The official English-language personal customer information states that the process begins with an in-person meeting at a branch; it does not support an inference that global remote account opening is available.

  5. Handelsbanken: Bli företagskund (Become a business customer)

    The official website instructs businesses to contact their nearest branch about business services; the page does not list foreign company eligibility, a complete application checklist, or a remote account-opening process.

  6. FI：Anti-money laundering and countering financing of terrorism

    FI is responsible for issuing anti-money laundering rules and supervising compliance by the entities under its supervision, and may impose sanctions where necessary.

  7. Sweden’s Money Laundering Act (2017:630)

    Legal obligations to identify and verify customers, investigate and verify the identity of the beneficial owners of legal entities, understand ownership and control structures, and obtain additional source-of-funds information in higher-risk situations.

  8. Skatteverket：CRS – kontrolluppgifter

    The definitions of CRS and DAC2, the identification and reporting obligations of Swedish Reporting Financial Institutions for Reportable Accounts, and the requirement to submit information in accordance with reporting rules.

  9. Skatteverket：FATCA – kontrolluppgifter

    The FATCA agreement between Sweden and the United States and the rules requiring Swedish reporting financial institutions to submit information on relevant reportable accounts to the IRS through Skatteverket; FATCA and CRS are listed separately.

  10. Swedish government: UN sanctions and EU sanctions

    International sanctions applicable in Sweden originate from the United Nations or the European Union; EU sanctions regulations apply directly in Sweden.

  11. FI：International sanctions

    FI’s responsibilities as the competent authority for financial sanctions and its supervisory responsibility for financial companies’ compliance with EU sanctions regulations.

  12. The Banker：Top 1000 World Banks

    The official page states that The Banker 2026 Top 1000 ranking has been published. This record only retains the curated background from the candidate set and does not claim a specific ranking for Handelsbanken.

  13. Skatteverket：Kontrolluppgifter internationellt

    The use of foreign tax identification numbers (TINs) in Swedish tax filings and the fact that TIN formats vary between countries.