I don't actually have a bank account in Sweden. In January I was waiting to get a job and get established here, in February I was waiting for a personnummer, in March I had some personal matters to deal with that were more of a priority, and for much of this month I believed I would be leaving soon, thus making it a waste of time to go and open an account. Having decided that I will stay longer, today after work I finally made the effort to go to Handelsbanken. I chose Handelsbanken specifically because numerous sources, including the bank themselves, state that they offer a non-resident bank account. I'm not sure how that's different to any other bank account, but due to not being able to get a personnummer it's really the only option for getting an account in this country in my current circumstances.
So in I go, armed with ID, copies of payslips, my work contract etc, and immediately I'm shut down and told that they don't offer that service. I asked why their own website, plus numerous other sources, claims that they do if they don't. The gentleman at the bank didn't have an answer for that. He told me there have to be exceptional circumstances, or they have to have an existing agreement with my employer, which of course they don't. I suggested they get someone to have a look at the information they're giving out. He suggested I try ICA Banken. I walked outside and burst into tears.
You may ask why having a bank account in Sweden is such a big deal, let alone something to bring me to tears in the middle of the street, especially when my employer has been happily paying my wages into my UK account all this time. I'm losing money just by being here. Every financial transaction I make comes with a fee. My bank casually takes £6 from my wages every month for accepting foreign money, which is a tiny percentage of the wages, but obviously it adds up over time. Worst of all is that when I pay rent to my landlord, who obviously does have a Swedish bank account, my bank charges me an extra £30, which is a significant addition to the rent.
But this is just one part of a bigger problem. Sweden has no respect for me. Sweden is happy to take from me but gives me nothing back. Sweden makes me feel like I'm not a real person. Every time I think things are going well Sweden takes my hope away. Sweden isn't satisfied no matter what I do. I have a sneaking suspicion that Sweden probably doesn't want me around at all. If Sweden was my boyfriend everyone I knew would be telling me to leave.
I am not, and never have been, an idle person. Coming to this country, my intention was always to find a job, contribute, and basically do all the things that any normal, productive member of society does, the same things I have done throughout my adult life. I worked hard to find a job, and a month to the day since I arrived in this country I was starting a new job. I believe that some of this was down to being in the right place at the right time, but I worked hard to find a job, and other people have been uniformly impressed with the speed in which I started working here, and then found a stable place to live. I like my house and my job, and on the surface I probably appear to be very settled.
Having a personnummer is the key to everything here. Having found a job, everything I knew suggested that I could then get a personnummer, and then get all the other things like a bank account set up. We know how that turned out, and it became clear in my dealings with Skatteverket that the information you get really depends on who you speak to and what the weather is like that day. Not wanting to recognise me as a resident of this country certainly doesn't mean the government is going to let me keep my money, of course not. I'm not entitled to even join a gym here, but I still get a third of my money taken away in taxes, to pay for the royal wedding amongst other things. I'm very much entitled to pay taxes to Sweden, but that's about the only thing I'm entitled to. Every time there seems to be some way to make my life easier, for example opening a non-resident bank account, the door gets slammed in my face once again, and I'm sick of it.
I can't help but compare this experience to when I lived in Finland. It's now been about four months, and at this point when I was in Finland I had both a bank account and a social security number, and I gained those things through having a one month part time work contract. Now I've been working full time for three months, and I'm entitled to bugger all. When talking about these problems to Swedish people, I've mentioned how in Finland my employer could only pay into a Finnish account. There was a delay at Maistraati in providing me with a social security number, but they'd confirmed I was entitled to one and would receive one, so my friend took me to the bank and we explained the circumstances. It was no trouble at all, they opened an account for me with a generic number, and told me to come back and let them know my real social security number once I had it. I never actually remembered to go back and tell them. Swedish people laugh their heads off at the idea of such a thing happening in a Swedish bank. And to prove the point, the very first question I was asked today, even after specifying that I'd like a non-resident account, was "Can I see your personnummer?"
I haven't been to Finland in a while, so I can't say for sure how the situation is these days, but from what I know immigration levels are much lower there than in Sweden. When I lived there everyone I knew, except for one person, was Finnish. I was the novelty act because I was foreign. Attitudes to immigrants, even white European ones like me, were not always tolerant. At the time I felt like the authorities might be deliberately making things difficult. Now the way Finland treated me seems like a dream. If I had had the job I have now in Finland I wouldn't have had a care in the world.
I'm sick of basic things being huge struggles. I'm sick of feeling like nobody cares, nobody wants to help, like whatever direction I go in it still leads to nothing. I'm sick of losing money through necessary transactions like getting paid and paying my rent. I've done everything right, and I've not asked for anything except to be treated like everyone else. And it just makes me think more and more, why am I actually bothering? I could move back to London and get treated like a real human being. There are issues in my personal life that make living in England again a good option, and the way I'm treated by the authorities here does nothing to discourage me. I spend more and more time feeling frustrated and unhappy, and I can't help but feel that I deserve better than this.
I don't give up easily. Anyone who knows me will say that when I decide I'm going to do something it will get done, one way or another. I put in so much work, and effort, and resources to come here. I really, really wanted to come here. But I'm starting to feel like I'm fighting a losing battle. I keep wondering what would be good enough for Sweden. I keep wondering what Sweden actually wants me to do. I hate to say it, but if Sweden wants me to leave then unfortunately Sweden is winning. It's wearing me down, and I don't know if I can keep putting up with this.
On the surface things are good. I have a decent job, a nice place to live, a social life, I can speak Swedish - you'd be forgiven for thinking I've really got my shit together here. In some ways I have. But then this kind of problem comes up yet again and reminds me that my life here is very superficial. I really wanted to come here, but I'm starting to get sick of jumping through every hoop and it still not being good enough. You only have to look online at pretty much any expat forum or website to see that I'm not the only one.
I can remember the exact moment in Finland, after being there for just under two months, when I knew I wanted it to be my home, and I knew that I would do whatever it took to stay. I loved it so much, and I did put up with a lot in order to stay. I love Stockholm, and I like my day to day life in Stockholm, but even after double the amount of time I don't feel that burning love that I had in Turku. I am not eager to leave, but there's only so much I'm willing to put up with in order to stay. And I'm not sure for how long I'm willing to be only half a person.
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