Öppna ett vanligt bankkonto i EU

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href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_sv.htm">Likabehandling på arbetsplatsen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_sv.htm">Utstationerade arbetstagare</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_sv.htm">Jobba som offentliganställd utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_sv.htm">Arbetstillstånd</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_sv.htm">Anställningsavtal</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_sv.htm">EU-regler för vägtransportarbete</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_sv.htm">Försäkringar i ett annat EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_sv.htm">Yrkeskvalifikationer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_sv.htm">Vad är ett reglerat yrke?</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_sv.htm">Ansökan om varaktigt tillhandahållande av tjänster</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_sv.htm">Ansökan om tillfälligt tillhandahållande av tjänster</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_sv.htm">Handlingar och formaliteter</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_sv.htm">Europeiska yrkeskortet – EPC</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_sv.htm">EU–Storbritannien: yrkeskvalifikationer</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_sv.htm">Socialförsäkring och sociala förmåner<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_sv.htm">Socialförsäkringssystemen i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_sv.htm">Din socialförsäkring utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_sv.htm">Arbetslös utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_sv.htm">Ta med dig dina arbetslöshetsförmåner</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_sv.htm">Om du inte hittar något jobb</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_sv.htm">Familjeförmåner</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_sv.htm">Efterlevandepension och dödsfallsersättning</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_sv.htm">Standardintyg för sociala förmåner</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_sv.htm">Pensionärer utomlands<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_sv.htm">Kompletterande pensioner utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_sv.htm">Allmän pension utomlands</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_sv.htm">Skatter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_sv.htm">Inkomstskatt utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_sv.htm">Dubbelbeskattning</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_sv.htm">Min bil<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_sv.htm">Bilar<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_sv.htm">Köpa och leasa bil</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_sv.htm">Moms när du köper eller säljer bil</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_sv.htm">Tjänstebil</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_sv.htm">Körkort<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_sv.htm">Byta ut körkortet och få det erkänt i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_sv.htm">Ta körkort i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_sv.htm">Förnya körkortet i ett annat EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_sv.htm">Försäkring<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_sv.htm">Gäller min bilförsäkring i hela EU?</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_sv.htm">Vad täcker bilförsäkringen utomlands?</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_sv.htm">Registrering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_sv.htm">Bilregistrering – handlingar och formaliteter</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_sv.htm">Registrera bilen i annat EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_sv.htm">Bilskatter i andra EU-länder</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_sv.htm">Bo utomlands<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_sv.htm">Uppehållsrätt<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_sv.htm">Ekonomiskt inaktiva EU-medborgare</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_sv.htm">Arbetssökande – uppehållsrätt</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_sv.htm">Pensionärer – uppehållsrätt</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_sv.htm">Studerande – uppehållsrätt</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_sv.htm">Arbetstagare – uppehållsrätt</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_sv.htm">Uppehållsrätt för EU-medborgare i Storbritannien och för brittiska medborgare i EU </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_sv.htm">Förvärv av medborgarskap</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_sv.htm">Uppehållsrätt för anhöriga<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_sv.htm">Makar och barn från EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_sv.htm">Makar och barn som inte är EU-medborgare</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_sv.htm">Registrerade partner</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_sv.htm">Föräldrar</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_sv.htm">Andra anhöriga</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_sv.htm">Arbetssökandes anhöriga</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_sv.htm">Handlingar och formaliteter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_sv.htm">Registrering av anhöriga som är EU-medborgare</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_sv.htm">Permanent uppehållsrätt för EU-medborgare efter fem år</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_sv.htm">Permanent uppehållsrätt för anhöriga som inte är EU-medborgare – efter fem år</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_sv.htm">Uppehållskort för anhöriga som inte är EU-medborgare </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_sv.htm">Registrera dig hos myndigheterna efter tre månader</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_sv.htm">Anmäla närvaro vid vistelser på upp till tre månader </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_sv.htm">Registrera ett nyfött barn</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_sv.htm">Regler om juridiskt könsbyte</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_sv.htm">Köpa bostad</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_sv.htm">Avregistrera din bosättning</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_sv.htm">Val, framställningar och samråd<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_sv.htm">EU-val</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_sv.htm">Rösträtt i hemlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_sv.htm">Kommunalval</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_sv.htm">Framställningar och samråd</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_sv.htm">Utbildning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_sv.htm">Skolan<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_sv.htm">Partnerskap med skolor utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_sv.htm">Att börja skolan i ett annat EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_sv.htm">Akademiska studier<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_sv.htm">Antagning till akademiska studier</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_sv.htm">Studieavgifter och studiemedel</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_sv.htm">Gäller min examen?</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_sv.htm">Utlandsstudier och utbytesprogram</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_sv.htm">Jobba och studera</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_sv.htm">Praktik<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_sv.htm">Stipendier och bidrag vid praktik</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_sv.htm">Volontärarbete i EU och andra länder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_sv.htm">Jobba som volontär – hitta ett projekt</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_sv.htm">Förbered din volontärresa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_sv.htm">Forskare<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_sv.htm">Bidrag och jobb för forskare</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_sv.htm">Skatteregler för forskare</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_sv.htm">Hälsa<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_sv.htm">Oplanerad vård<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_sv.htm">Söka vård utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_sv.htm">Oplanerad vård – ersättning för vårdkostnader</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_sv.htm">Sjukförsäkring vid korta vistelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_sv.htm">Europeiska sjukförsäkringskortet (EU-kortet)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_sv.htm">Planerad vård utomlands<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_sv.htm">Söka planerad vård utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_sv.htm">Planerad vård utomlands – ersättning för vårdkostnader</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_sv.htm">Planerad vård utomlands – kontaktpunkter</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_sv.htm">Köpa läkemedel i ett annat EU-land<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_sv.htm">Hämta ut recept i ett annat EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_sv.htm">Recept utomlands: betalning och ersättning</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_sv.htm">Köpa läkemedel på nätet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_sv.htm">Sjukförsäkring när du bor utomlands<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_sv.htm">Din sjukförsäkring</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_sv.htm">Flytta till ett särskilt boende</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_sv.htm">Förebyggande vård</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_sv.htm">Min familj<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_sv.htm">Barn<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_sv.htm">Föräldraansvar</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_sv.htm">Adoption</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_sv.htm">Bortförda barn</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_sv.htm">Par<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_sv.htm">Äktenskap</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_sv.htm">Registrerat partnerskap</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_sv.htm">Samboförhållande</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_sv.htm">Skilsmässa och hemskillnad</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_sv.htm">Underhåll till familjemedlemmar</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_sv.htm">Förmögenhetsförhållanden för internationella par</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_sv.htm">Få personbevis och andra intyg godtagna i EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_sv.htm">Dödsfall, hemtransport och arv i EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_sv.htm">Ärva någon som bott utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_sv.htm">Planera för arvet efter dig</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_sv.htm">Dödsfall och hemtransport</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_sv.htm">Konsumentskydd<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_sv.htm">Köpa varor och tjänster<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_sv.htm">Avtalsinformation</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_sv.htm">Garanti, reklamation och ångerrätt</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_sv.htm">Priser och betalning</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_sv.htm">Frakt och leverans</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_sv.htm">Dina rättigheter när du köper varor och tjänster</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_sv.htm">Moms</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_sv.htm">Produktsäkerhet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_sv.htm">Internet och telefoni<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_sv.htm">Roaming – använda mobilen i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_sv.htm"> Tillgång till digitalt innehåll utomlands</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_sv.htm"> Fast telefoni</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_sv.htm">Internet – användning och tillgång</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_sv.htm">Skydd av personuppgifter och integritet på nätet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_sv.htm">Bank och försäkring<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_sv.htm"><span>Bankkonton i <span class="label-end"><span>EU</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_sv.htm">Konsumentkrediter och lån</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_sv.htm">Försäkringar</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_sv.htm">Investeringsprodukter</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_sv.htm">Bolån</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_sv.htm">Betalningar, överföringar och checkar</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_sv.htm">Investera i andra EU-länder</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_sv.htm">Otillåtna metoder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_sv.htm">Otillåtna affärsmetoder</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_sv.htm">Illojal prissättning</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_sv.htm">Oskäliga avtalsvillkor</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_sv.htm">El och gas<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_sv.htm">Tillgång till nät och tjänster</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_sv.htm">Avtal och energiförbrukning</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_sv.htm">Klagomål och tvistlösning</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_sv.htm">Konsumenttvister<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_sv.htm">Informell tvistlösning för konsumenter</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_sv.htm">Tvistlösning utanför domstol</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_sv.htm">Rättsmedel för konsumenter</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_sv.htm">Göra affärer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_sv.htm"> Driva företag<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_sv.htm">Starta företag<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_sv.htm">Starta företag</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_sv.htm">Erasmus för unga företagare</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_sv.htm">Utveckla ditt företag<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_sv.htm">Starta europabolag (SE)</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_sv.htm">Fusion av bolag</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_sv.htm">Emas-registrering</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_sv.htm">Fritt flöde av icke-personuppgifter</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_sv.htm">Lär dig mer om att investera i andra EU-länder</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/registration-permits-licences/index_sv.htm">Registrering, tillstånd och licenser</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_sv.htm">Driva företag inom turism</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/biotech/index_sv.htm">Bioteknik och biotillverkning</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_sv.htm"> Digitalisera ditt företag<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_sv.htm"> Skapa en företagswebbplats</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_sv.htm"> Försäljning på nätet via en extern plattform</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_sv.htm"> Starta webbutik</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_sv.htm"> Tänk på säkerheten</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_sv.htm"> Leveranser vid e-handel</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_sv.htm"> Kundservice för e-handelsföretag</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_sv.htm"> Marknadsför ditt företag på nätet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_sv.htm">Immaterialrätt<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_sv.htm">Immaterialrätt</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_sv.htm">Patent</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_sv.htm">Varumärken</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_sv.htm">Upphovsrätt</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_sv.htm">Företagshemligheter</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_sv.htm">Designskydd</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_sv.htm"> Domännamn</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_sv.htm">Skydd av databaser</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_sv.htm"> Geografiska beteckningar</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_sv.htm">Kommersialisering av immateriella tillgångar</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_sv.htm">Immaterialrättsintrång</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_sv.htm">EU-verktyg för småföretag</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_sv.htm">Skatter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_sv.htm"> Punktskatter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_sv.htm">Punktskattebelagda varor</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_sv.htm"> Betala punktskatter</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_sv.htm"> Moms<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_sv.htm">Momsregler och momssatser</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_sv.htm">Ingående och utgående moms</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_sv.htm">Momsundantag</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_sv.htm">Återbetalning av moms: ansök på nätet</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_sv.htm">Moms vid handel med andra länder</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_sv.htm">Kontroll av momsregistreringsnummer (Vies)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_sv.htm"> Moms på digitala tjänster (e-tjänsten Moss)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_sv.htm"> Bolagsskatt<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_sv.htm"> Bolagsskatt i EU</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_sv.htm"> Skatter för moderbolag och dotterbolag</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_sv.htm">Sälja i EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_sv.htm"> Offentlig upphandling<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_sv.htm">Regler för offentlig upphandling</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_sv.htm">Sök och delta i en offentlig upphandling</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_sv.htm">Begär prövning av en offentlig upphandling</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_sv.htm"> Sälja varor och tjänster<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_sv.htm">Sälja varor i EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_sv.htm">Tillhandahålla tjänster utomlands</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_sv.htm">Sälja på nätet, på distans och utanför affärslokaler</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_sv.htm"> Paketresor och sammanlänkade researrangemang</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_sv.htm"> Pakettjänster</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_sv.htm"> Konkurrens mellan företag<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_sv.htm">Konkurrensregler i EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_sv.htm"> Anmäla konkurrensbegränsande beteenden</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_sv.htm">Personal<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_sv.htm">Anställningsavtal<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_sv.htm">Ändringar av anställningsavtal</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_sv.htm">Anställningsvillkor</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_sv.htm">Visstidsarbete</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_sv.htm">Informera och samråda med personalen</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_sv.htm">Deltidsarbete</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_sv.htm">Uppsägningar</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_sv.htm">Minderåriga arbetstagare</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_sv.htm">Anställning via bemanningsföretag</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_sv.htm">Säsongsarbetare från länder utanför EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_sv.htm">Arbetstid, semester och ledighet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/working-hours/index_sv.htm">Arbetstid</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/leave-flexible-working/index_sv.htm">Ledighet och flexibelt arbete</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/index_sv.htm">Anställda inom transportsektorn<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/civil-aviation-staff/index_sv.htm">Personal inom civilflyget</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/rail-staff/index_sv.htm">Tågpersonal</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/road-transportation-workers/index_sv.htm">Arbetsgivare inom vägtransporter: körtid och viloperioder</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/seafarers/index_sv.htm">Sjömän</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/inland-waterway-staff/index_sv.htm">Personal inom inre sjöfart</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/index_sv.htm">Utstationerade arbetstagare<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/posting-staff-abroad/index_sv.htm">Utstationerade arbetstagare</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/drivers/index_sv.htm">Utstationerade förare</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/index_sv.htm">Social trygghet och arbetsmiljö<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/paying-contributions/index_sv.htm">Betala sociala avgifter</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/work-safety/index_sv.htm">Arbetsmiljö</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/pensions/index_sv.htm">Arbetsgivarens skyldigheter i samband med pension</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/index_sv.htm"> Likabehandling och kvalifikationer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/equal-treatment/index_sv.htm">Likabehandling av personal</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/reasonable-accommodation/index_sv.htm">Rimlig anpassning</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/recognition-qualifications/index_sv.htm">Erkännande av yrkeskvalifikationer</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/index_sv.htm">Produktkrav<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/standards/index_sv.htm">Standarder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/standards/standards-in-europe/index_sv.htm">Standarder i Europa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/compliance/index_sv.htm">Produktöverensstämmelse<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/identifying-product-requirements/index_sv.htm">Ta reda på produktkraven</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/conformity-assessment/index_sv.htm">Bedömning av överensstämmelse</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/technical-documentation-conformity/index_sv.htm">Teknisk dokumentation och EU-försäkran om överensstämmelse</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/ecodesign/index_sv.htm">Ekodesignkrav</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/declaration-mutual-recognition/index_sv.htm">Försäkran om ömsesidigt erkännande</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/index_sv.htm">Etiketter och märkningar<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ce-marking/index_sv.htm">CE-märkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/energy-labels/index_sv.htm">Energimärkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/weee-label/index_sv.htm">WEEE-märkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/footwear-label/index_sv.htm"> Skomärkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/textile-label/index_sv.htm">Textilmärkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/emark/index_sv.htm">℮-märket</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ecolabel/index_sv.htm">EU:s miljömärke</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/index_sv.htm"> Kemikalier<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/registering-chemicals-reach/index_sv.htm">Registrera kemikalier i EU (Reachförordningen)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/classification-labelling-packaging/index_sv.htm">Klassificering, märkning och förpackning av kemikalier</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/index_sv.htm"> Återvinning och avfallshantering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/weee-responsibilities/index_sv.htm">Ansvar för WEEE-avfall</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/index_sv.htm">Livsmedelsmärkning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/general-rules/index_sv.htm">Livsmedelsmärkning</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/nutrition-declaration/index_sv.htm">Näringsdeklaration</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/supplements/index_sv.htm">Märkning av kosttillskott</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/additives/index_sv.htm">Livsmedelstillsatser</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/health-nutrition-claims/index_sv.htm">Närings- och hälsopåståenden</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/index_sv.htm">Finansiering och stöd<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/accounting/index_sv.htm"> Redovisning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/accounting/small-micro-businesses/index_sv.htm">Redovisning för mikroföretag och små och medelstora företag</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/index_sv.htm">Göra och ta emot betalningar<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/cross-border-debt-recovery/index_sv.htm"> Indrivning av skulder i andra EU-länder</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_sv.htm">Elektroniska betalningar och kontantbetalningar</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/late-payment/index_sv.htm">Sena betalningar</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/einvoicing/index_sv.htm">Elektronisk fakturering</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/index_sv.htm"> Finansiering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://youreurope.europa.eu/business/finance-funding/getting-funding/access-finance/sv">Tillgång till finansiering</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/eu-funding-programmes/index_sv.htm">EU:s finansieringsprogram</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/index_sv.htm">Kundkontakter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/index_sv.htm"> Konsumentavtal och garantier<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-guarantees/index_sv.htm">Garanti och reklamation</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/selling-products-safely/index_sv.htm">Sälja säkra produkter i EU</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-contracts/index_sv.htm">Kundkontakter</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/index_sv.htm"> Tvistlösning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/online-dispute-resolution/index_sv.htm"> Alternativ tvistlösning/tvistlösning på nätet</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/european-small-claims-procedure/index_sv.htm"> Europeiskt småmålsförfarande</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/index_sv.htm"> Skydd av personuppgifter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/data-protection-gdpr/index_sv.htm"> Uppgiftsskydd enligt GDPR</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/online-privacy/index_sv.htm"> Integritet på nätet</a></li> </ul> </li> </ul> </li> </ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=sv" target="_blank">Kontakta våra rådgivningstjänster</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=sv" target="_blank">Anmäl ett hinder</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">Ukraina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">EU:s bistånd till Ukraina</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_sv">Information för dig som flyr från kriget i Ukraina</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_sv#vill-du-hj%C3%A4lpa-till">Vill du hjälpa till?</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Information till företagen</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_sv.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Klicka för att visa" title="Klicka för att visa">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a 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id="main-article"> <h2>Du har rätt till ett vanligt bankkonto</h2> <p>Du kanske vill eller måste öppna ett bankkonto i ditt hemland eller i något annat <a class="abbr" title="I det här fallet de 28 EU-länderna" aria-label="I det här fallet de 28 EU-länderna">EU-land</a>.</p> <p>Om du är lagligt bosatt i ett EU-land har du rätt att öppna ett "grundläggande betalkonto". En bank <strong>får inte neka din ansökan om ett konto</strong> bara för att du inte bor i landet.</p> <div class="warning sr-friendly"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Varning</h4> <p>Rätten gäller inte andra typer av konton, till exempel sparkonton.</p> </div> </div> <h2>Kan banken neka mig ett konto?</h2> <p>Du kan nekas att öppna ett konto <strong>om du bryter mot</strong> <a href="https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:32015L0849" data-linkid="5e8eed2e-d1f0-49eb-b51f-f8f61b75a837">EU:s regler om penningtvätt och finansiering av <span class="label-end"><span>terrorism</span><svg focusable="false" aria-label="Länk öppnas på ny sida"> <title>Länk öppnas på ny sida</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a> .</p> <p>I vissa EU-länder kan du nekas att öppna ett grundläggande betalkonto om du <strong>redan har ett liknande konto</strong> hos en annan bank i samma land.</p> <p>Om du ansöker om ett bankkonto i ett annat land än där du bor kan banken i vissa fall be dig visa att du verkligen har anledning att öppna ett konto. En anledning kan till exempel vara att du bor i ett land men jobbar i ett annat.</p> <h2>Vad är ett grundläggande betalkonto?</h2> <p>Ett ˮgrundläggande betalkontoˮ är ett konto som används för att göra <strong>vanliga transaktioner</strong>, till exempel</p> <ul> <li>sätta in pengar</li> <li>ta ut pengar</li> <li>ta emot och utföra betalningar (till exempel autogiro och kortköp).</li> </ul> <p>Det ska också ingå <strong>ett betalkort</strong> som du kan ta ut pengar och handla med – både på nätet och i affärer.</p> <p>Om möjligheten finns ska du genom ditt konto ha <strong>tillgång till banktjänster på internet</strong>. Däremot måste det inte ingå någon möjlighet till övertrassering eller kredit.</p> <p>I vissa EU-länder kan banken fortfarande <strong>ta ut en årsavgift</strong> för kontot. Denna avgift bör vara rimlig.</p> <div class="example"> <h4>Exempel från verkligheten</h4> <h5><strong>Du kan ha ett konto i ett EU-land även om du inte bor där</strong></h5> <p>Sándor började jobba för ett slovenskt företag men bodde kvar i Ungern. Han bestämde sig för att öppna ett lönekonto i Slovenien som komplement till sitt ungerska bankkonto.</p> <p>Han hittade en slovensk bank nära jobbet och bad att få öppna ett vanligt konto. Banken lät honom öppna ett konto trots att han inte bodde i Slovenien.</p> <p>En bank får inte neka dig ett konto bara för att du inte bor i landet.</p> </div> <h2>Information om avgifter</h2> <p>Innan du öppnar ett konto ska du få ett dokument av banken som beskriver de viktigaste tjänsterna som hör till kontot och <strong>eventuella avgifter som du måste betala</strong>. Detta kallas ett "dokument med avgiftsinformation". Du kan använda det för att jämföra kostnaderna för konton hos olika banker.</p> <p>Din bank måste också ge dig en redogörelse för <strong>avgifterna för ditt bankkonto</strong> minst en gång om året. Denna "redovisning av avgifter" ska också ange vilka räntesatser som gäller för ditt konto.</p> <h2>Byta bank</h2> <p>Du kan flytta ditt bankkonto till en annan bank i samma EU-land. Din nya bank ska hjälpa dig med detta.</p> <p>Om du vill skaffa ett nytt konto i samma land ska du vända dig till din nya bank. Berätta att du vill byta och flytta dina automatiska överföringar till det nya kontot.</p> <p>Den nya banken kommer att <strong>se till att din gamla bank för över alla uppgifter och avslutar eventuella stående överföringar</strong>. Den nya banken måste också</p> <ul> <li>informera tredje parter, till exempel din arbetsgivare, din försäkringskassa och dina gas-, vatten- och elleverantörer, om att du har ett nytt konto</li> <li>skapa nya stående överföringar</li> <li>bevilja relevanta autogireringar för ditt nya konto.</li> </ul> <p class="warning">Du kan fortfarande behöva betala en avgift om du bestämmer dig för att stänga ditt gamla konto.</p> <p>Om banken missar en deadline (till exempel för att annullera en betalning) eller begår andra misstag som gör att du får extra kostnader under tiden bytet sker <strong>måste banken ersätta dig för dessa kostnader</strong>. Om du får problem kan du använda dig av <a data-linkid="8f18ff28-46b3-45f0-b191-f967f3603c28" href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_sv.htm" data-master-href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_en.htm" title="tvistlösning utanför domstol">tvistlösning utanför domstol</a>.</p> <div class="example"> <h4>Exempel från verkligheten</h4> <h5>Att byta bank går inte alltid smidigt</h5> <p>När Suzanne flyttade från Toulouse till Paris ville hon flytta sitt bankkonto till en bank i Paris. Hon bad sin nya bank i Paris att flytta över alla hennes betalningar till det nya kontot och stänga hennes gamla konto i Toulouse.</p> <p>Banken i Paris bad banken i Toulouse att avsluta Suzannes stående överföringar och stänga hennes konto. Sedan skapade de stående överföringar från hennes nya konto. Banken glömde dock att meddela Suzannes mobiloperatör, och därför fick Suzanne betala förseningsavgifter när betalningen för hennes mobilabonnemang inte kom fram i tid.</p> <p>Suzanne klagade hos banken i Paris. De gick med på att ersätta henne för förseningsavgiften och rätta till den stående överföringen för mobilabonnemanget.</p> </div> <h2>Dina pengar skyddas i EU</h2> <p>Tack vare EU:s regler skyddas pengarna på ditt bankkonto (sparkonto och/eller och ditt vanliga konto) om banken skulle gå i konkurs. Den här <strong>insättningsgarantin gäller belopp upp till 100 000 euro</strong> eller motsvarande belopp i lokal valuta. Gränsen är <strong>per person och bank</strong>. Oavsett hur många konton du har i en och samma bank omfattar skyddet bara 100 000 euro.</p> <p>Det finns <strong>vissa undantag</strong>: Om du har ett gemensamt konto med din partner gäller gränsvärdet på 100 000 euro för var och en av er, upp till ett tak på 200 000 euro för ert gemensamma konto. I vissa fall skyddas även belopp över 100 000 euro under en begränsad tid. Det gäller t.ex.</p> <ul> <li>pengar som du fått från försäljning av en privatbostad</li> <li>pengar som du fått i samband med en särskild händelse i livet, t.ex. giftermål, skilsmässa, pension, uppsägning, övertalighet, invaliditet eller dödsfall i familjen</li> <li>pengar som du fått från utbetalningar av försäkringar eller skadestånd för brott eller felaktiga domar.</li> </ul> <p>I dessa fall skyddas belopp över 100 000 euro i minst tre månader men högst tolv månader efter att pengarna har kommit in på kontot, eller från den tidpunkt då det blir rättsligt möjligt att överföra pengarna, beroende på villkoren och gränserna i de aktuella länderna.</p> </div> <div class="article-related eu-legislation"> <h2>EU-lagstiftning</h2> <ul> <li><a href="https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:32018R0033#d1e36-34-1" data-linkid="0db114b1-c9bb-44d2-97d2-d9ea58ece495" title="Standardiserat presentationsformat för redovisning av avgifter – kommissionens 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