Get started with a digital everyday life

You know more than you think!

About the internet and a digital everyday life

Digital payments and the internet can feel complicated at first.

But keep in mind that almost 75% of people aged 76 and over, use the internet bank. And did you know that over 7 million Swedes use Swish?

If they can, you can!

To give you a clear view and show that it’s not that complicated, we’ve made a summary of what we mean by “A digital everyday life that suits everyone”.


The easiest way to get started with cashless payments is to use cards – it’s fast, easy and secure.

Internet bank

With the internet bank, you can log in from a computer and do pretty much any banking – paying bills, applying for a loan, checking your current balance and transactions. And much more.

Mobile bank

If you have a smartphone – a mobile – you can download your bank’s mobile app. In it, you can access the same accounts and services as with your computer. This also applies to tablets.


In order to send money, pay electronically or use a digital mailbox, you must be able to identify yourself. That’s when you use BankID.


A digital service used to send and receive payments via mobile phone.

Digital mailbox

Getting a digital mailbox is a good complement to managing your digital economy, which is also good for the environment. In it, you will receive letters and invoices from affiliated companies and authorities you have a relationship with. You can also sign contracts, pay with a click and manage receipts.


The benefits of a digital everyday life are many. You can do anything when it suits you, where it suits you. There is no need to go to the bank unnecessarily, you no longer need to go to a mailbox to put in an envelope with a payment order or go to a traditional store to shop.

We hope that Betalningshjälpen can inspire and help you to a digital everyday life!


Here we have gathered common words and concepts. Click on the word to read more.

Separator between name and address in internet e-mail addresses. Pronounced as the English word “at”. Common Swedish nicknames are “Snabel-a”, “Alpha slang” and “Cinnamon bun”.

App is short for application, small applications that you download from the internet (Google Play store for Android and App Store for iPad and iPhone) and install in tablets and mobiles.

BankID is an electronic ID that enables companies, banks, organizations and authorities to both identify and enter into agreements with private individuals on the internet. BankID is an electronic ID document comparable to passports, driving licenses and other physical identification documents.

To blip is another word for a contactless payment. This means that you only need to hold your card against a card terminal to make a purchase. You don’t need to insert the card or enter the code to confirm the transaction.

A blog is a web diary, an open website that contains periodically published posts, and/or diary entries on a web page where the posts are organized so that the most recent posts are at the top.

Bluetooth, Bluetooth technology, is a standard for wireless, short-range communication between, for example, headset and mobile phone or between keyboard and computer.

A web browser is a computer program used to read information online (the web). There are several different browsers. The most common are Internet Explorer, Google Chrome, Firefox and Safari.

Shopping through “Card on file” means paying at an online retailer with already saved data. This means that when making recurring transactions or payments, you don’t have to fill in the details (card number etc.) for each individual purchase. “Card on file” is designed to create a smooth and easy customer journey. It’s already a very established payment method that is often used by major players such as Netflix and Spotify, among others. Transactions and payments made via Card on File are as secure as ‘regular’ card payments online. In the unlikely event that something should happen, you are insured just like with any other payment method.

Card Security Code, commonly referred to as CVV-code (Visa) or CVC (Mastercard) code, is a three- or four-digit code that is almost always placed on the back of the card. American Express, however, differs slightly and has a four-digit code on the front of the card above the credit card number.

A digital mailbox is an e-service in the form of a web-based or mobile app-based mailbox. In it, companies and individuals can receive digital mail from government agencies (the equivalent of “brown envelopes”) and companies. Login is done using electronic ID, such as a Mobile BankID.

Downloading means that a file (usually a video or audio file) is downloaded and then played locally on your own computer.

Google is one of the world’s largest companies. Google is most famous for its search engine that searches the entire internet at lightning speed to find answers to questions people ask the internet. The search procedure is called Googling. Google also has a number of other applications in the data field: Google Mail, Google Maps, Google Earth, Google Translate and many more. You get free access to Google’s offering by registering a user account.

Image of the screen starting an app (application) when you click/tap it.

A service on your bank’s website that gives you access to all your accounts and features that you have in your bank, when you log in with your personal information. Login is done through a web browser on your computer. You get information about your different accounts and cards, you can make transfers, pay bills and much more.

To log in is to identify yourself on a website so that you have access to information or other things that are personal to you. The most common is that you enter a username and a password on your user account, one that you have most probably created by registering on the website in question. Or it can be done with electronic identification, like BankID.

Gives you access to your accounts and banking services through an app on your mobile or tablet. You get pretty much the same opportunities and features as when you log into the internet bank.

Near Field Communication (NFC) is a transfer method for contactless exchange of data over short distances. The technology is widely used, e.g., in bus passes or hotel keys. Now the technology is also starting to find its way into mobiles and tablets.

Code in the form of a pattern of small squares or dots loaded into a mobile/computer that can be converted to data. A common use is to take a picture of the code with the mobile, which then automatically opens a website in the mobile browser. It’s the same way that barcodes on packaging identify an item for the checkout system in the store.

A selfie is a portrait photograph that someone takes and posts on the internet.

Site is a Swedish colloquial expression for the English site meaning website.

Social media are websites and mobile apps that allow people to interact on human social networks and, unlike traditional media, contribute their own content. Social media can include internet forums, social networking services, blogs and more.

Spam is undesirable and unsolicited mass mailings of spam, usually with advertising.

Streaming means playing audio or video files on a computer, tablet or mobile phone in real time from a website, while transferring the files on a network. Not the same as downloading.

An app used to transfer money. With Swish, payments are made directly from and to your bank account via your mobile number.

A computer user identifies himself to a computer, program, or service on the internet by registering a so-called user account. It contains a username and a password. After registration, you can access the user account by logging in with your username and password. A username can be a first name or nickname or a made-up word. As a username, the e-mail address is sometimes used.

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 Do you find it complicated? You can find explanations in our glossary.

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