Sproken
A2Swedish·50 cards

Swish: money in five seconds

Sweden's mobile payments in practice: sending, receiving, checking, splitting — and what to say when the app refuses to cooperate.

Cash is nearly extinct in Sweden; second-hand deals run on Swish, the bank-linked payment app tied to your phone number. This deck covers the payment moment of a deal — the phrases before, during and after the beep — plus the small crises: wrong number, spinning wheel, empty account.

Close-up of Australian dollar bills and credit cards in a wallet on a wooden surface.
Photo: Miles Burke on Pexels
  1. 1

    Har du Swish?

    Do you have Swish?

    Tip: the standard check

  2. 2

    Alla har Swish.

    Everyone has Swish.

    Tip: basically true

  3. 3

    Jag swishar dig.

    I'll Swish you.

    Tip: verb form

  4. 4

    Swisha till det här numret.

    Swish to this number.

  5. 5

    Är det samma som ditt mobilnummer?

    Is it the same as your mobile number?

    Tip: usually yes

  6. 6

    Kan du läsa upp numret?

    Can you spell out the number?

    Tip: läsa upp = read aloud

  7. 7

    Noll-sju-tre, fem-fem-fem...

    Zero-seven-three, five-five-five...

    Tip: digit by digit

  8. 8

    Vilket namn dyker upp?

    What name shows up?

    Tip: the identity check

  9. 9

    Det ska stå Anna Lindberg.

    It should say Anna Lindberg.

    Tip: stå again

  10. 10

    Namnet stämmer.

    The name matches.

    Tip: stämma = match

  11. 11

    Hur mycket var det nu igen?

    How much was it again?

    Tip: nu igen = again

  12. 12

    350, som vi kom överens om.

    350, as we agreed.

    Tip: komma överens = agree

  13. 13

    Skickat nu!

    Sent now!

  14. 14

    Det kom fram. Tack!

    It arrived. Thanks!

  15. 15

    Kan du visa kvittot i appen?

    Can you show the receipt in the app?

    Tip: belt and suspenders

  16. 16

    Här är bekräftelsen.

    Here's the confirmation.

    Tip: bekräftelse = confirmation

  17. 17

    Appen laddar i evighet.

    The app is loading forever.

    Tip: i evighet = forever

  18. 18

    Bankens servrar ligger nere.

    The bank's servers are down.

    Tip: ligga nere = be down

  19. 19

    Vi kan vänta några minuter.

    We can wait a few minutes.

  20. 20

    Har du kontanter som reserv?

    Do you have cash as backup?

    Tip: kontanter = cash

  21. 21

    Ingen har kontanter längre.

    Nobody carries cash anymore.

    Tip: true since ~2015

  22. 22

    Det finns en bankomat runt hörnet.

    There's an ATM around the corner.

    Tip: bankomat = ATM

  23. 23

    Nu gick den igenom!

    It went through now!

    Tip: gå igenom = go through

  24. 24

    Jag skickade till fel nummer.

    I sent it to the wrong number.

    Tip: the nightmare

  25. 25

    Ring din bank direkt.

    Call your bank right away.

    Tip: direkt = immediately

  26. 26

    Främlingen skickade tillbaka pengarna.

    The stranger sent the money back.

    Tip: faith in humanity

  27. 27

    Min dagliga gräns är nådd.

    My daily limit is reached.

    Tip: gräns = limit

  28. 28

    Du kan höja den i bankappen.

    You can raise it in the bank app.

    Tip: höja = raise

  29. 29

    Kan jag betala hälften nu och hälften på fredag?

    Can I pay half now and half on Friday?

    Tip: installments, informally

  30. 30

    Jag vill hellre ha allt på en gång.

    I'd rather have everything at once.

    Tip: på en gång = at once

  31. 31

    Rimligt.

    Fair enough.

    Tip: one-word agreement

  32. 32

    Ska vi dela på fraktkostnaden?

    Shall we split the shipping cost?

    Tip: dela på = split

  33. 33

    Hälften var är rättvist.

    Half each is fair.

    Tip: var = each

  34. 34

    Avrunda uppåt till jämnt hundra.

    Round it up to an even hundred.

    Tip: avrunda = round

  35. 35

    Behåll växeln.

    Keep the change.

    Tip: växel = change

  36. 36

    Jag tar tyvärr inte kort.

    I don't take cards, unfortunately.

    Tip: private sellers don't

  37. 37

    Swish löser allt.

    Swish solves everything.

    Tip: lösa = solve

  38. 38

    Vad sa vi — 300 eller 350?

    What did we say — 300 or 350?

    Tip: check the chat

  39. 39

    Det står 350 i chatten.

    It says 350 in the chat.

    Tip: the chat never forgets

  40. 40

    Du har rätt, mitt fel.

    You're right, my mistake.

    Tip: ha rätt = be right

  41. 41

    Swisha en krona så har jag ditt nummer.

    Send me a krona so I have your number.

    Tip: the contact trick

  42. 42

    Betalning mottagen, vara överlämnad.

    Payment received, item handed over.

    Tip: receipt language

  43. 43

    Vill du ha ett skriftligt kvitto?

    Do you want a written receipt?

    Tip: for expensive items

  44. 44

    Swish-historiken är mitt kvitto.

    The Swish history is my receipt.

    Tip: usually enough

  45. 45

    pengar

    money

    Tip: always plural

  46. 46

    ett fyndpris

    a bargain price

    Tip: fynd + pris

  47. 47

    Det kändes som ett rättvist pris för oss båda.

    It felt like a fair price for both of us.

    Tip: kännas som = feel like

  48. 48

    Pengar ska inte förstöra en bra affär.

    Money shouldn't ruin a good deal.

    Tip: förstöra = ruin

  49. 49

    Fem sekunder, noll papper.

    Five seconds, zero paper.

  50. 50

    Plinget betyder att affären är klar.

    The beep means the deal is done.

    Tip: pling = the beep