Contact the recipient
The first thing you should do if you swish to the wrong number is to contact the person who received the swish, that means Swish. You can then ask the person to swipe the amount back. If you don’t get a response, there are other things you can do to get your money back.
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Contact your bank
If the recipient does not answer you, you can contact your bank. The bank can then give you information about where the money is. However, the bank has no legal right to return the money without the recipient’s consent.
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Submit a written claim
According to Swedbank should one also send a written demand for reimbursement to the recipient if no response has been received. In the claim, you must accurately state the amount, which currency applies and have a clear date for repayment. You must also save a copy of the claim as proof that you have contacted the recipient.
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Apply for a payment order with the Kronofogden
If you still haven’t received a refund, you can apply for a payment order from the Kronofogden, that means Elin Piggadvisor at Lawline. The recipient will then be informed by the Bailiff and given the opportunity to dispute the debt. If the debt is not disputed, it is determined and the enforcement officer will start working to collect it.
“My tip is to apply for a payment order with the Kronofogden in accordance with the law on payment orders and handouts”, writes Elin Pigg in a message.
She also points out that it is not profitable to file a lawsuit in court if very small sums are involved, because it can be much more expensive to pursue such a process than to accept that one may have lost one’s money.
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