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If you are living outside Sweden

You have to repay at the same rate regardless of whether you live in Sweden or abroad.

You have to repay your loan at the same rate regardless of whether you live in Sweden or abroad.

How much you have to repay every year (your annual amount) depends on:

  • how much your debt is
  • how long you will be repaying your loan
  • what your interest rate is.

In addition, the annual amount that you pay to CSN is adjusted upward by two percent annually. We calculate how much you have to repay using a special instalment formula. Generally speaking, your annual amount increases each year.

How do you pay?

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

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.
IBAN number with BIC code  

Loan after 30 June 2001

Demand for non-entitled financial aid

for studies

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).

Bank account

Loan after 30 June 2001

Demand for non-entitled financial aid

for studies

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 financial aid for studies.

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 financial aid 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.

Online

Loan after 30 June 2001

Demand for non-entitled financial aid

for studies

Bankgiro number: 5580-3084Bankgiro 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.

Haven't you paid on time?

If you haven't paid your annual amount according to your payment schedule, the following will happen:

  1. We will send you a reminder if you haven't paid your annual amount on time. We charge you a reminder fee of 450 kronor.
  2. We will send a second reminder and add a further reminder fee of 450 kronor if you have still not paid.
  3. We will then send you a demand letter if you have still not paid after the second reminder.
  4. We then send the demand letter to a debt-collecting agency for the recovery of the debt if you do not pay, despite the reminders and the demand letter. The debt-collecting agency charges a fee which you must pay. How large the fee is depends on which country you live in.

CSN may terminate the loan

If you do not pay after two reminders and the demand letter, CSN may terminate your loan. This means that you must repay your entire debt all at once.

Have you received a demand?

If you have received a demand which you do not pay on time, other rules apply.
If you have received a demand

Are you having trouble repaying?

If you are having difficulties paying back your loan, you can apply to pay less. This is called reduction.

You can submit an application to apply to pay less

  • if your income drops
  • if you have special reasons, i.e. if you have strong personal reasons. A special reason for example is that you are receiving income support for a long period of time.

On your reduction application you will need to write your income in Swedish kronor. Use the currency calculator in Mina sidor (only in Swedish) in order to receive correct calculations.

Calculating incomes in countries with a broken financial year

When you apply for reduction, you must calculate how much income you will receive. Most countries have the same assessment period as Sweden, i.e. your annual income is calculated from January to December. Some countries, for example Great Britain and Australia, have a so-called broken financial year. This means that they calculate annual income during another period.

In certain countries you cannot apply for reduction on the basis of income

In order to be granted reduction with consideration to your income, you must be able to provide evidence of your income afterwards, for example via a tax assessment. If you have income in a country where you cannot receive a tax assessment, for example Dubai or the United Arab Emirates, you cannot apply to pay less on the basis of your income. If you have difficulty in paying, you may apply for reduction only if you have special reasons.

Verification of income from abroad in the event of reduction

If you are entitled to pay a smaller amount on the basis of your income, CSN will subsequently make checks to verify your income level. We then work out whether or not you have paid the correct amount. If you live or have lived abroad, you must be able to verify your income. We will obtain details of your income in Sweden from the Swedish Tax Agency.

If you fail to provide proof of your income, we will not be able to take into consideration your income data as presented in your application for reduction. This means that you must pay the annual amount you had before you applied for reduction, plus an additional charge. If we receive verification of your income after we have made a decision as to your annual amount, we may reconsider our decision. This means that we may make a new decision taking into consideration your verified income data.

If you move

If you live abroad, you must inform CSN of your new address if you move. If you move within Sweden, we will be able to obtain your new address via the Swedish Tax Agency (Skatteverket).

It is important that we receive your correct address. Otherwise you risk not receiving important information about how much you have to pay.

Report your new address to CSN via

  • Mina sidor, under Min profil (only in Swedish)
  • telephone
  • e-mail
  • letter.

Telephone numbers and addresses can be found under Contact us.

My profile

To change your contact details in Mina sidor, you must log in with your personal code or e-identification. You can find your personal code in your yearly statement. If you have lost your code, you can easily order a new one.

On the page Min profil, you can also choose how you want to receive information from CSN, electronically or on paper.

Ikon för senast publicerad Senast publicerad: 2017-11-17
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