ICA Banken credit card application in Sweden practical guide with steps

Could one app truly let a user move from intent to first use in a single afternoon?

The practical introduction explains what to expect when they start the process. It shows where to gather documents and how to verify identity with Mobile BankID inside the app.

The app joins accounts and cards in one view so users see balance, available amount, and same‑day purchases. They can block a lost payment method, order a replacement, and adjust where it works.

This text also gives clear information on managing payments, connecting to Swish or Click to Pay, and opening savings or viewing loans. It notes differences between general usage and prepaid practices, so everyday shopping runs smoothly.

Readers get simple next steps and a prompt to läs mer about fees, interest‑free periods, and how to avoid extra costs while using the new kreditkort and bankkort features from the banken app.

Why choose ICA Banken’s credit card in Sweden right now

When lön, pension or csn is deposited to the salary account, customers get a clear perk: dubbel bonus on purchases hos ica and partner stores like ica apotek hjärtat. This bonus directly rewards everyday grocery and apotek spending and raises the value of routine buys.

The kontot also pays interest, so the setup is more than a single kort or kreditkort. It becomes a practical hub for saving and spending when the app shows balances, available belopp, and recent purchases in one view.

Users can manage e‑invoices, enable Fast Balance, and link accounts to Swish and Click to Pay for faster checkouts. Instant controls let them block the kort, set region limits, or change where it works — all inside the app.

Tight retail integration and active support by chat or phone mean daily needs are covered. With bonuses tied to regular deposits, this option suits households that want to track every amount and keep grocery, pharmacy, and payment flows in one place.

ICA Banken credit card Sweden application guide

A streamlined in‑app flow lets people verify who they are, choose a limit, and track the request status. The banken app shows kontot balances and recent purchases so applicants see the belopp they manage while they apply.

Start by preparing mobilt bankid on the device to verify identity. The app also asks for personal details, income such as lön or csn, and the chosen credit limit. This information is summarized before submission so users can confirm accuracy.

After a quick credit check, the app updates status and notifies when the kort is produced and sent. Users can enable card and bankkort controls, set where it can be used, and add the new kreditkort to digital wallets. Click to Pay works now, with samsung pay supported later for eligible cards.

Read the information about dagars räntefri periods and dagars räntefri kredit so they know how billing cycles affect interest. The app also helps configure e‑invoices and automatic payments so recurring costs are paid on time and görа betalningar smoothly.

Eligibility snapshot and documents applicants typically need

Gathering ID, proof of income, and Mobile BankID ahead of time makes the process smoother. Applicants must be at least 18 and have a Swedish personal identity number plus a registered address.

Typical checks include a credit review and confirmation there are no active debt collection cases. Stable employment or regular income improves approval odds.

Prepare a valid ID (passport or national ID). Set up Mobile BankID in the app to complete secure digital identification. The app also lets users call or chat support from inside the app for any frågor or extra hjälp.

Provide employer name, role, tenure, monthly income, and housing costs so affordability can be assessed. If income comes from salary, pension, or CSN, include documentation of amounts and frequency.

Nonstandard income or recent immigration may require extra documents. After submission, applicants receive a decision notice and steps for delivery and activation of the kreditkort or bankkort.

Keep all details accurate to avoid delays. For direct help becoming a kund, call 033-47 47 90 or use the in‑app chat for frågor svar and further information.

Set up the ICA Banken app for a smooth application

Set up the app on your phone first so identity checks, balance views, and card controls work together without friction.

Download the app and activate mobilt bankid on the same device to speed verification. Once logged in, kontot shows balance, available amount, and recent purchases so the user can see the current belopp at a glance.

Enable Fast Balance to check funds quickly. Turn on push notifications for transactions and limit changes so they notice anything unusual fast.

Use the payments hub to göra betalningar, schedule e‑invoices, and match due dates to lön, csn, or pension inflows. Connect Swish and Click to Pay for easier checkout.

Preconfigure bankkort and kreditkort settings like region use, contactless, and online permissions. Explore savings and funds to build a buffer and avoid extra ränta on statements.

Keep in‑app support visible for chat or phone help if identity steps or verifications need assistance.

Activate, receive, and secure your credit card

Once the kort reaches your mailbox, the app guides activation, PIN retrieval, and security setup. The user logs in and follows the clear prompts to finish activation and match card controls to daily habits.

They can view the secure PIN code in the app and are advised to memorize it. Never store the PIN with the physical card or in plain text on a phone.

The app lets customers block a lost bankkort instantly and order a replacement. Transaction alerts should be enabled so unusual purchases show up right away.

Add the card to supported wallets for contactless pay; check for samsung pay support when available.Regional and channel controls let users limit online buys or foreign transactions to reduce risk while traveling.

For prepaid Kontantkort, activation can also occur by logging into the separate portal or in the app; balances are checkable at ATMs, in stores, or by phone. Keep statement dates in view and pay in full to avoid ränta on outstanding belopp. To läs mer about features, use in‑app help or call support if needed.