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- Swish (Swedish pronunciation: [swɪʂː] or [svɪʂː]) is a mobile payment system in Sweden. The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden. It had 8 million users as of July 2022 (total Swedish population: 10.2 million). Swish is a member of the European Mobile Payment Systems Association. The service works through a smartphone application, through which the user's phone number is connected to their bank account, and which makes it possible to transfer money in real time, a few seconds until confirmation is received by both parties. The user must have a second mobile application called Mobilt BankID Säkerhetsapp, which is an electronic identification issued by several banks in Sweden. This requires that the user has a bank account in a Swedish bank participating in the system, and also a national ID number. Users who have a Swedish bank account but no suitable phone can register for reception only of payments. The phone number can be of another country. The actual transfer is done by the Bankgirot clearing system, which developed instant payments for the Swish system. Swish was originally intended for transactions between individuals, but soon it started to be used for flea markets and collections at church services, and by sports clubs and other organisations as payment at small events where a credit card reader would be too expensive or otherwise impractical. Small companies who wished to avoid credit card charges and simplify online payments soon followed suit. In 2014 organisations could register for receiving payments, although some organisations used a private bank account of someone in the organisation before that. In January 2017 Swish was launched for web based sales which quickly became popular, for example used by the train operator SJ. It is possible to pay by scanning a QR code. Prior to the implementation of Swish, cash was the primary means for many of these types of real-time transactions. As such, Swish is used for transactions that used to be mostly cash-based. The service is free for private users since the start 2012. Companies and registered organisations pay around 1–3 SEK (depending on bank) per received payment in addition to a small yearly fee, and are not allowed to charge the customer for their Swish fee. The fees are decided by each bank for the reason of not limiting price competition, considering that Swish has a near monopoly on instant phone payments in Sweden. Since the minimum Swish payment (currently 1 SEK but depends on the bank) may be lower than the fee, an organisation may lose money if many small Swish payments are made to it. In some cases of media attention towards such cases banks have donated their Swish profit to the organisations. The lower age limit has by several banks been removed for Swish and card usage, as part of the plans from banks to remove cash usage. There are limitations for children below 16, such as max 2000 kr per day for Swish. (en)
- Swish（スウィッシュ）は、スウェーデンの非接触型決済システム。 2012年にサービスが開始され、2017年時点ではスウェーデン国民の半数以上がSwishを利用していると言われる。30歳未満の成人に限れば、約90%が利用しているとも言われている。ただし、店頭決済における利用はさほど進んでいないとの報告もある。 (ja)
- Swish (uttalas [swɪʂː] eller [svɪʂː]) är en mobilapplikation för överföring av pengar inom Sverige, vilken lanserades i december 2012 av Getswish AB. Applikationen möjliggör omedelbara betalningar mellan bankkonton genom till kontonummer kopplade mobilnummer. Getswish AB ägs av de sex bankerna Danske Bank i Sverige, Handelsbanken, Länsförsäkringar Bank, Nordea, SEB, Swedbank och Sparbankernas Riksförbund. Förutom ägarna erbjuder även Skandiabanken, ICA-banken, Sparbanken Syd, Ålandsbanken, Marginalen Bank och Svea bank Swish. I början på 2019 hade Swish cirka 6,9 miljoner privatanvändare, cirka 192 000 företagsanvändare samt cirka 4 000 kunder med handelsavtal (sv)
- Swish（瑞典语发音：[swɪʂː] 或 [svɪʂː]）是瑞典的行動支付系統。由七家瑞典最大的銀行與瑞典中央銀行一同在2012年正式啟用。截至2020年7月為止已有七百六十萬使用者，超過瑞典七成人口。 這是經由流動應用程式來進行運作以取得這個系統的服務，經由使用者的電話號碼綁定銀行帳戶以達到即時交易的功能。使用者在瑞典一定要有一個個人識別碼，以及一個有參與這項服務的銀行帳戶，但是電話號碼可以使用其他國家地區的號碼。 以下是使用者的必備條件：
* （personnummer）：瑞典的身分證字號，由瑞典政府給予十碼或十二碼的個人識別號碼。
* 銀行帳戶：開設的帳戶必須參與這項系統。
* 電話號碼：可以使用瑞典以外國家地區的電話號碼。 (zh)
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- Swish（スウィッシュ）は、スウェーデンの非接触型決済システム。 2012年にサービスが開始され、2017年時点ではスウェーデン国民の半数以上がSwishを利用していると言われる。30歳未満の成人に限れば、約90%が利用しているとも言われている。ただし、店頭決済における利用はさほど進んでいないとの報告もある。 (ja)
- Swish（瑞典语发音：[swɪʂː] 或 [svɪʂː]）是瑞典的行動支付系統。由七家瑞典最大的銀行與瑞典中央銀行一同在2012年正式啟用。截至2020年7月為止已有七百六十萬使用者，超過瑞典七成人口。 這是經由流動應用程式來進行運作以取得這個系統的服務，經由使用者的電話號碼綁定銀行帳戶以達到即時交易的功能。使用者在瑞典一定要有一個個人識別碼，以及一個有參與這項服務的銀行帳戶，但是電話號碼可以使用其他國家地區的號碼。 以下是使用者的必備條件：
* （personnummer）：瑞典的身分證字號，由瑞典政府給予十碼或十二碼的個人識別號碼。
* 銀行帳戶：開設的帳戶必須參與這項系統。
* 電話號碼：可以使用瑞典以外國家地區的電話號碼。 (zh)
- Swish (Swedish pronunciation: [swɪʂː] or [svɪʂː]) is a mobile payment system in Sweden. The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden. It had 8 million users as of July 2022 (total Swedish population: 10.2 million). Swish is a member of the European Mobile Payment Systems Association. Prior to the implementation of Swish, cash was the primary means for many of these types of real-time transactions. As such, Swish is used for transactions that used to be mostly cash-based. (en)
- Swish (uttalas [swɪʂː] eller [svɪʂː]) är en mobilapplikation för överföring av pengar inom Sverige, vilken lanserades i december 2012 av Getswish AB. Applikationen möjliggör omedelbara betalningar mellan bankkonton genom till kontonummer kopplade mobilnummer. Getswish AB ägs av de sex bankerna Danske Bank i Sverige, Handelsbanken, Länsförsäkringar Bank, Nordea, SEB, Swedbank och Sparbankernas Riksförbund. Förutom ägarna erbjuder även Skandiabanken, ICA-banken, Sparbanken Syd, Ålandsbanken, Marginalen Bank och Svea bank Swish. (sv)
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- Swish (電子決済) (ja)
- Swish (payment) (en)
- Swish (sv)
- Swish (行動支付) (zh)
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