Resurs Bank credit card application Sweden online request and fees

Question: Could a mobile checkout with instant approval and BankID really make a major purchase safer and simpler?

This guide shows how a person in Sweden can apply using a phone, sign with BankID, and get a barcode to confirm purchases at checkout.

Cards often offer up to 60 interest-free days and flexible installment plans. An example uses a Gold product with a 15,000 SEK limit, a 22% nominal rate, total fees around 6,005 SEK and an effective annual rate near 30.67%.

The mobile flow keeps data on the applicant’s device and lets them complete the process without handing documents at the store. Decisions usually come instantly, though the issuer may contact an employer as part of the assessment.

Agreements and SEKKI information are available on Mina Sidor, and the issuer operates under financial supervision. Applicants must accept personal data processing, can opt out of direct marketing, and should note that missed payments can lead to a payment remark and real-life consequences.

Who can apply in Sweden and what the Resurs credit card offers right now

To apply, an individual usually must live in the country and confirm identity digitally. BankID is used to sign and verify the request, which keeps the process quick and secure.

The product currently offers up to 60 interest-free days on new purchases. This can help people avoid interest if they repay the balance within the grace period.

Larger purchases can be split into flexible installment plans. These options let users spread payments to match their monthly budget.

All applicants undergo a credit assessment to check affordability and creditworthiness. As part of that review, the issuer may contact an employer to confirm income.

Applicants must confirm that their details are accurate and accept that the provider can approve or decline requests. Personal data is processed for contract administration and marketing, and customers can request a block against direct marketing.

Agreements and full terms are available via Mina Sidor. The issuer is supervised by the Swedish Financial Supervisory Authority, offering regulatory oversight and added consumer protection.

Resurs Bank credit card Sweden online application: step‑by‑step guide

The mobile checkout flow turns a store visit into a quick, private financing step on the shopper’s own phone.

They begin by sending an SMS to the number shown in participating stores or by tapping the secure link provided. The form asks for the Swedish ID number, mobile phone, e-mail, and the requested amount so a real‑time credit check can run.

Before signing, the consumer reviews pre‑contract information (SEKKI) and general terms to confirm rates, fees, and repayment obligations. They then approve the request using BankID, which gives a legally binding digital signature and strong identity verification.

An instant decision follows. If approved, the buyer receives a barcode on their device that staff scan at checkout to complete the purchase like a normal transaction.

Applying on a personal phone improves privacy and speeds the process. After the purchase, all agreement and account details are available via Mina Sidor for 24/7 access. If the request is declined, users should check the provided reasons and consider reapplying after addressing any issues.

Fees, rates, and total cost explained before you apply

Reviewing the effective annual rate and repayment model shows the real cost of borrowing.

Before proceeding, applicants should read the Standard European Consumer Credit Information (SEKKI) and general terms available via Mina Sidor. These documents explain how interest, fees, and repayments work for the chosen product.

The example for the Resurs Gold card illustrates how costs add up. On 15,000 SEK with a 22% variable rate, total fees of 6,005 SEK lead to an effective annual rate of 30.67% and a total repayment of 21,005 SEK under a 1/20 repayment model.

The 1/20 model means roughly 5% of the outstanding balance is paid each month, with the final settlement in month 20. Variable rates can change, so monthly payments may rise if the rate adjusts.

Up to 60 interest-free days on purchases apply when the statement is cleared by the due date. Missing payments can cause reminder fees, extra interest, and a payment remark that may affect housing, subscriptions, and future borrowing. If repayment looks difficult, municipal budget and debt counseling via Konsumentverket is an option.

Ready to apply today? Secure, private, and fast with BankID

For shoppers who want a quick, private checkout, signing with BankID wraps up the process in seconds.

They can start on their phone, get an instant decision, and receive a barcode staff scan to complete a purchase. Doing this on a personal device reduces paperwork and limits data shared at the till.

After approval, agreements and terms are available via Mina Sidor for ongoing control. The product offers up to 60 interest-free days and flexible installment options for larger buys.

Keep the BankID app updated and ensure stable mobile access. Review the SEKKI and general terms before finalizing, and note that a credit check and employment verification may be part of the review under the Financial Supervisory Authority’s oversight.