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The bank-owned payment infrastructure is facing major changes

14/03/2024 -

The bank-owned payment infrastructure is facing major changes Banks’ infrastructure needs to be modernised The Riksbank assesses that the bank-owned payment infrastructure, particularly Bankgirot, needs to be modernised and that the banks need...

Payments & cash / Payments Report

The Riksbank is modernising RIX

14/03/2024 -

The Riksbank is modernising RIX Apart from card payments, almost all digital payments between banks go through accounts they hold in RIX. The RIX system consists of two services: RIX-RTGS for wholesale payments and aggregated payments and...

Payments & cash / Payments Report

Auction terms 2025-11-04

04/11/2025 -

Conditions for sale of Riksbank certificates Bid date, 2025-11-04 Auction date 2025-11-04 Settlement date 2025-11-05 Maturity Date 2025-11-12 Nominal amount 566 billion SEK Interest rate 1.75 % Bid times 09.30-10.00 (CET/CEST) on the...

Markets / Market operations

Auction terms 2025-11-18

18/11/2025 -

Conditions for sale of Riksbank certificates Bid date, 2025-11-18 Auction date 2025-11-18 Settlement date 2025-11-19 Maturity Date 2025-11-26 Nominal amount 562 billion SEK Interest rate 1.75 % Bid times 09.30-10.00 (CET/CEST) on the...

Markets / Market operations

Auction terms 2025-12-02

02/12/2025 -

Conditions for sale of Riksbank certificates Bid date, 2025-12-02 Auction date 2025-12-02 Settlement date 2025-12-03 Maturity Date 2025-12-10 Nominal amount 556 billion SEK Interest rate 1.75 % Bid times 09.30-10.00 (CET/CEST) on the...

Markets / Market operations

Auction terms 2025-12-16

16/12/2025 -

Conditions for sale of Riksbank certificates Bid date, 2025-12-16 Auction date 2025-12-16 Settlement date 2025-12-17 Maturity Date 2026-01-07 Nominal amount 537 billion SEK Interest rate 1.75 % Bid times 09.30-10.00 (CET/CEST) on the...

Markets / Market operations

Problems with opening and maintaining payment accounts

14/03/2024 -

Problems with opening and maintaining payment accounts Having access to a payment account is a prerequisite for making payments in today’s digital society. It is needed, for example, for debit cards and Swish. Without a payment account, it is...

Payments & cash / Payments Report

Access to basic payment services is unsatisfactory

14/03/2024 -

Access to basic payment services is unsatisfactory Everyone in Sweden shall have access to basic payment services at reasonable prices in accordance with the objective decided by the Riksdag. However, access to these services has deteriorated in...

Payments & cash / Payments Report

Difficult to compete in the payments market

14/03/2024 -

Difficult to compete in the payments market The payments market has some specific characteristics that create challenges for achieving good competition. Payments, except in the case of cash, are basically a service for transferring information.

Payments & cash / Payments Report

Instant payments contribute to greater efficiency

14/03/2024 -

Instant payments contribute to greater efficiency The instant execution of payments contributes to a more efficient payment system for several reasons. Among other things, it reduces the need for intermediaries for e.g. clearing. If companies...

Payments & cash / Payments Report