If you have a residence permit to be in Sweden, you have a right to get a bank account.
Getting a bank account after your arrival
We recommend all newcomers to see a bank shortly after arrival in order to open a bank account. You may choose any bank, but KTH holds an agreement with Nordea Bank at Hamngatan 12, for KTH employees to open a bank account without the personnummer nor a Swedish ID-card.
Contact your HR adminstrator at your school to make an appointment for you at Nordea bank (if you are employed) Your HR will guide you onwards.
Regardless if you are employed or not you may register at the bank SEB for an account and the registration may be filled out event before arriving to Sweden.
If you do not settle an account number, or wait to open an account, you risk receiving your salary /scholar on a check. Checks cannot be cashed without a Swedish ID. You may, however, cash the check in when you open your bank account but all banks will charge you extra for this service. Checks cannot be cashed in to foreign accounts.
Paying with cash
Cash is no longer accepted at most places. If you bring cash with you to spend in Sweden, be aware that where you can spend it is limited. Grocery stores and some stores will accept your cash. Otherwise, you will need to pay with a card. To pay an invoice in cash, you will need to visit a Western Union office. Swedish banks no longer handle cash.
Pay your invoice at KTH Pay
If you have an invoice from KTH Relocation, you can pay it with a credit card easily at KTH Pay.