In recent years, BankID has grown into a major player when it comes to managing one’s own personal finances. The service also facilitates login, identification and signatures at companies, banks and authorities.
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On November 9, TV4 Nyheterna reported on a customer of the major bank Swedbank who had his accounts locked for six months – without any answers whatsoever as to why this happened. She was subsequently terminated and blocked from BankID.
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The customer was blocked and terminated by Swedbank
Despite the fact that the customer initially did not receive any information about why she was dismissed from the bank, or received a block against BankID, Swedbank explains that bank secrecy prevails. But after a lot of back and forth, it emerged that the bank saw five transactions totaling SEK 14,800 that they thought were suspicious.
– There are bills and things like that. There are no strange transactions and everything is marked with what it goes for. If you add up our swishes every month, even if they are small sums, it is always the same amount every month by and large, says the customer to TV4.
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Photo: Marc Femenia / TT
Shortly after TV4 heard from the bank, they chose to terminate the customer and block him from BankID – a measure that the banks themselves issue.
– I need BankID. I need to be able to make a schedule for how my children will go to kindergarten, I need to be able to log in to the pharmacy and order home medicine, for example. You need a damn BankID for everything. You’re completely handicapped without it, said Swedbank’s customer TV4 News after the announcement.
The bank blocks the BankID
This case is far from the only one and there are more people around Sweden who have had their BankID services blocked for various reasons.
But what actually applies to the use of the banking and identification service? When can you be blocked and on what grounds?
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Photo: Oscar Olsson/TTThen you can be blocked from BankID
News24 has consulted with BankID’s press officer Charlotte Pataky to find out just that and to find out what you who have a restraining order issued against you should do.
She explains that today there are ten banks in Sweden that have the right to issue BankIDs, and in order for a bank to be able to issue one, the user, i.e. the customer, must have a Swedish social security number and a bank account with the relevant bank. After the issue, the user should be aware that the BankID is a personal document of value that can be equated with a physical passport or a national ID card, she believes.
“When you get a BankID, you commit to keep your agreement rules that you signed with your bank, and if a crime is committed, the bank can block or block a person’s BankID,” writes Charlotte Pataky to Nyheter24.
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The offenses can lead to BankID blocking
She then gives an account of three examples of crimes where BankID can be blocked or blocked.
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As long as you remain blocked from BankID
When there is a block against BankID from one bank, it is not possible to become a customer of another in order to obtain a BankID. If the spar is laid, it is valid for a full 12 months.
Is there any occasion when BankID themselves can block the service?
“It is always the bank that decides on a blocking of BankID. It is with the bank that end users have a user agreement. Ultimately, this is about maintaining a secure and reliable BankID service.
Swedbank’s customer, who is now terminated and blocked from BankID, has been asked to appeal the bank’s decision to Swedbank’s customer ombudsman.