New in Sweden: Be careful with your signature

Your signature is private and very valuable. If you sign your name to an agreement or a contract, you must comply with all the terms of that agreement. Find out exactly what the agreement means for you before you sign your name.

In Sweden, it is quite common to sign an agreement in order to buy something. An agreement (avtal) or contract (kontrakt) is something that you and another party agree to. You might, for example, buy a mobile phone with access to the internet from a particular company. You then pay a certain amount of money to this company every month – usually for a period of a few years. 

Signing an agreement or contract is usually called ‘giving your signature’ (underskrift, namnteckning or signatur). Once you have signed an agreement, you cannot change your mind; you must then comply with all parts of the agreement.

Never sign an agreement on behalf of anyone else – not even for family or friends.

Many agreements will mean that you have to pay money to a company over a long period of time. Therefore, you need to know that you will be able to pay for all the costs before you sign. Sometimes, you might have to pay several hundred kronor every month for several years.

Protect your bank details, bank card number and your personal number very carefully. You should only use this information when you have contact with your bank or government authorities, or if you buy something from a company that you trust.

More information about agreements and conditions

More expensive to split up your payments

Are you planning to buy something that costs a lot of money? If so, the shop you buy from may ask if you want to split up the payment into several parts. This is called paying by instalments (avbetalning) or partial payment (delbetalning). Paying for something with instalments or partial payments usually costs more in total than paying immediately. If you do not pay the bills on time, it will quickly become very expensive.


Those who are new in Sweden can find further advice here