I think you are misunderstanding. Swish is not traditional online bank transfer. Swish is like sms. You just need the phone number and the transfer is nearly in

I think you are misunderstanding. Swish is not traditional online bank transfer. Swish is like sms. You just need the phone number and the transfer is nearly instant. You would normally use it between friends, not for bills, b2b, taxes or paying in the supermarket.