@Pettet8 That is also true with (most) Swedish banks if you only need to perform classic bank transactions. If you need to send money immediately to someone, though, like paying for something at a bake sale, you have to use BankID, and thus Apple or Google phones. And the bake sale won’t accept cash, and even if they do, they won’t have change. There are so many other things that are either impossible or artificially made much more complicated by not having it. You are expected to have BankID.