Obtaining a bank account can be a challenging process for refugees, immigrants and students in Sweden, as highlighted by a survey conducted by Afrocommunity Surveys. Discrimination based on nationality or ethnicity emerged as a prominent issue faced by these individuals when attempting to open bank accounts. 
Some banks may have stricter requirements or even refuse to open bank accounts for customers from certain countries, which can hinder financial inclusion and perpetuate social exclusion. Language barriers, cultural differences, and attitudes toward money can also pose challenges for these minority communities.
Banks in Sweden have been found to have similar practices when it comes to opening bank accounts for students and immigrants. They often require additional documentation such as proof of long-term residence, work permits, and valid passports. This can be time-consuming and complicated to obtain, creating barriers for individuals in accessing essential banking services. Language barriers and mistrust of the banking system also contribute to difficulties faced international students and new immigrants.