Sweden EUDI Wallet 2026 - BankID 8.6M Users (99.9%), Freja eID 1M+

Sweden is developing a national EUDI wallet integrating BankID (8.6M users, 99.9% penetration) and Freja eID (1M+ users, 167 countries) with "open certification" for private sector wallets. Coordinated by Bolagsverket, backed by €3.5B digital roadmap and 85% citizen satisfaction.

BankID: 99.9% Penetration Among Adults

BankID dominates the market with over 8.6 million active users in 2024, making it by far the most widely used e-ID in Sweden. Nearly all adult Swedes have a BankID — 99.9% of citizens aged 18–67 — and it's accepted across 7,500 digital services.

The Swedish BankID, established in 2003 as a cooperation between Sweden's largest banks, has achieved a penetration rate of over 70 percent of the total population. 8 million people use BankID on a regular basis for various private and public services including online banking, e-commerce, and government digital services.

BankID Requirements

BankID requires a Swedish personal identity number (personnummer) and a bank account with one of the participating Swedish banks. This requirement ensures high-trust identity verification but limits usage to Swedish banking customers.

Freja eID: Inclusive Alternative for 167 Countries

Freja eID is a newer government-recognized eID with over one million active users. A key differentiator is that Freja is the only eID in Sweden that's officially approved for both Swedish and foreign citizens for authentication and digital signing.

Unlike BankID, which requires a Swedish personal identity number (personnummer) and a bank account, Freja can also be used by individuals without a personnummer. Identity verification is based on biometric passports and is available for citizens of 167 countries.

Complementary Ecosystem

BankID provides unparalleled reach within the Swedish population, while Freja works for people that BankID can't serve, such as recent immigrants or foreign residents. This dual-system approach ensures complete digital identity coverage across diverse population segments.

National Wallet with "Open Certification"

A national wallet is under development based upon the EUDIW Reference Implementation, and Sweden will set up a system of "open certification" allowing for private sector wallet solutions to engage in their national scheme.

This open certification model demonstrates Sweden's market-oriented approach to digital identity, balancing government oversight with private sector innovation. Multiple wallet providers can compete while maintaining interoperability and trust standards.

Bolagsverket Coordinates EUDI Wallet Development

The Swedish Companies Registration Office (Bolagsverket) is the coordinator of the EWC (European Wallet Consortium) and hosted the General Assembly with nearly 120 representatives from all over Europe. This leadership role positions Sweden at the center of European digital identity coordination.

Government e-ID Development for Highest Trust Level

Sweden currently lacks a widely accepted e-ID at the highest level of trust for private individuals, and the government has commissioned the Swedish Police Authority to develop such an e-identification in 2025.

This government-issued e-ID will complement BankID and Freja eID, providing the highest assurance level for scenarios requiring maximum trust. The three-tier system (BankID for banking customers, Freja for inclusive access, government e-ID for highest trust) creates complete identity infrastructure.

€3.5 Billion Digital Roadmap

Sweden's roadmap is composed of 40 measures with a budget of €3.5 billion, which represents 0.5% of Sweden's GDP. This substantial investment supports complete digital transformation including EUDI wallet deployment.

"Completely Connected Sweden by 2025"

Sweden's digital connectivity strategy, "Completely Connected Sweden by 2025", sets the focal point on people's need for digital connectivity access, whether they live in densely populated areas, scarcely populated areas and rural areas, or in areas situated in between.

By 2025 all of Sweden should have access to high-speed digital connectivity. That implies that 98% of all households and businesses should have access to digital connectivity at a minimum capacity of 1 Gbps. This infrastructure ensures EUDI wallet services will be accessible nationwide.

Agency for Digital Government

Sweden is already one of the world's most digitalised countries, and Swedish government agencies have now started using AI to improve both the efficiency and quality of their work. The Agency for Digital Government is responsible for common digital infrastructure within public administration, such as digital identification, digital post and common standards.

Strong Digital Skills Foundation

67% of people have at least basic digital skills, which is above the EU average of 54%. Sweden also scores above the EU average for individuals with above basic digital skills (36% in Sweden vs 26% in the EU).

However, the Swedish industry continues to report that it is difficult to recruit ICT specialists, highlighting a challenge common across advanced digital economies.

High Citizen Satisfaction

According to the special Eurobarometer on the Digital Decade 2025, 85% of Swedish citizens consider that the digitalisation of public and private services is making their lives easier. This strong satisfaction demonstrates successful digital transformation that delivers tangible value.

December 2026 Deadline

All EU Member States must meet the deadline of December 2026 for issuing an EU digital identity wallet. The new digital way of identification, set to launch in 2026, will offer a new way of securely managing and accessing personal identification in areas such as banking, academia, and tourism.

With BankID's 8.6M users and 99.9% penetration among adults, Freja eID's 1M+ users covering 167 countries, national wallet development based on EUDIW Reference Implementation, open certification for private sector wallets, Bolagsverket's EWC coordination, government e-ID development by Swedish Police Authority, €3.5B digital roadmap (40 measures), "Completely Connected Sweden by 2025" infrastructure (98% households with 1 Gbps), Agency for Digital Government oversight, 67% basic digital skills (above EU 54%), and 85% citizen satisfaction, Sweden demonstrates complete EUDI wallet readiness combining established authentication systems with innovative open certification approach.