How do you pay?

You can repay your loan from abroad in various ways. Here is some information how you can repay.

Choose loan

Student loan since 1 July 2001


Student loan since 1 July 2001

If you are living outside Sweden and don't know how to make your payments to CSN, ask your bank. If you have any other questions about your loan, contact CSN:

  • by e-mail
  • over the phone.

CSN's e-mail addresses and phone numbers appear under Contact us.

You can repay your loan from abroad in various ways:

  • IBAN number with BIC code
  • deposit with BIC code
  • credit or debit card connected to Visa or Mastercard
  • direct debit
  • electronic invoice
  • online.

IBAN number with BIC code

If you live in an EU country, EEA country or Switzerland and want to repay your loan by bank transfer, use an IBAN number with a BIC code. The BIC address you have to use is DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm.

Keep in mind that the IBAN numbers differ depending on the loan that you are repaying (see table for each loan).

Don't forget to include

  • your personal identity number
  • your name
  • your address.
Loan after 30 June 2001 Demand for non-entitled student finance
IBAN: SE9112000000012810111847
BIC: DABASESX
IBAN: SE6912000000012810111855
BIC: DABASESX

IBAN (International Bank Account Number) is an international account number standard. A Swedish IBAN always begins with the letters SE and contains of 24 characters.

Deposit with BIC code

If you live in a country outside the EU and EEA area, as well as Switzerland, and want to repay your loan by bank transfer, you can make a deposit with a BIC code. You pay through a Bank account to Danske Banks BIC address DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm.

Keep in mind that the Bank accounts differ depending on the loan that you are repaying (see table for each loan).

Don't forget to include

  • your personal identity number
  • your name
  • your address.
Loan after 30 June 2001 Demand for non-entitled student finance
Bank account: 12810111847
BIC: DABASESX
Bank account: 12810111855
BIC: DABASESX

A BIC (Bank Account Number) is an international standard for uniquely and securely identifying a bank (previously called a SWIFT address). It contains of 8-11 characters.

Credit or debit card

You can make payments directly to CSN with your credit or debit card connected to Visa or Mastercard, if your foreign address is registered at CSN. Instructions on how to make such payments are found in Mina sidor (only in Swedish) under Mina betalningar on the page Vad ska jag betala under året?

You are only allowed to pay the amount specified within your repayment plan. If you wish to make extra payments, you must contact CSN. Contact information is found under  Contact us.  

Direct debit

If you have an account at a Swedish bank or a foreign bank that does business in Sweden, you can pay by direct debit even if you are living abroad.

You can order an application form for direct debit payment:

  • in Mina sidor (only in Swedish)
  • by e-mail
  • over the phone.

If you order the form in Mina sidor, log in with your personal identity number and personal code or electronic identification.

Write on the form how often you want to pay:

  • once a year
  • once every three months
  • once a month.

Mail the form to CSN, but it is up to your bank whether you can pay by direct debit. Both CSN and the bank must send a confirmation to you before direct debit can start working.

You cannot use direct debit to pay for demands for non-entitled student finance.

In Mina sidor under Min profil, you can choose whether you want to receive correspondence electronically or on paper. If you pay by direct debit, you can receive both your repayment plan and your annual statement electronically. By choosing electronic correspondence, you help protect the environment.

Change of bank or bank account

If you want to change bank or account number, you must contact your current bank.

Cancelling direct debit

If you wish to cancel your direct debit, you must contact your bank or send a written request to CSN (e-mail cannot be used).

Electronic invoice

You can pay to CSN by using electronic invoice, if you have an account in a Swedish bank or in a foreign bank that can handle electronic invoices for a Swedish payment recipient. We will then send your invoice directly to your internet bank. The only thing you need to do is to log on to the bank web site, review the invoice and confirm it. The invoice will then be paid automatically. You sign up for electronic invoices for your repayments in your internet bank. You just need to sign up once, even if you have more than one loan.

After your electronic invoice request has been approved, you will receive an e-mail and a message to Mina meddelanden in Mina sidor (only in Swedish). You will also receive a new repayment plan. When you pay by electronic invoice, you will receive your payment plans electronically to Mina meddelanden. Every time a new repayment plan is available in Mina meddelanden, an e-mail will be sent to your e-mail address.

Keep the following in mind if you want to use electronic invoices:

  • If you are using direct debit, you must first cancel this before you can connect to the electronic invoice service.
  • You can only repay your own loans and demands for non-entitled student finance via the electronic invoice service.
  • The e-mail address you use when you sign up for the electronic invoice will be the e-mail address we will use to contact you when new information is sent to Mina meddelanden in Mina sidor. If this e-mail address is different from the one already registered in Mina sidor, we will update your Mina sidor page with the new address.

Change of bank

If you change your bank and want to keep using electronic invoices, you must sign up for the service again on your new internet bank. That way, you do not have to cancel the service on your previous internet bank.

Cancelling electronic invoices

If you no longer wish to use electronic invoices for your repayments, you can cancel this service on your internet bank. You will then receive your payment form in the mail instead.

Online

If you have an account at a Swedish bank with online banking service, you can pay online even if you are living abroad.

You can pay online to one of CSN's Bankgiro numbers (see table). Fill in the OCR number that appears on your payment form from CSN. If you don't have your payment form, you can use your personal identity number (ten digits without a hyphen) instead.

Loan after 30 June 2001 Demand for non-entitled student finance
Bankgiro number: 5580-3084 Bankgiro number: 5175-4158

When you pay from outside Sweden

A payment from abroad can take longer than in Sweden. So make sure to pay in plenty of time.

Keep in mind that you have to apply for permission to make the payment if you are living in a country with currency restrictions.

If CSN does not receive your payment on time or if you have paid too little because the bank charged a fee, you will receive a 450 kronor reminder fee.

Notify CSN whenever your address changes.

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