How do you get a tax card in Sweden in 2026?

You need a personnummer from population registration before Skatteverket's private e-services recognise you as a Swedish taxpayer in the ordinary way. Finish Get personnummer first. Non-EU movers usually complete the Migrationsverket permit before that listing. Digital login almost always means BankID, so finish Set up Bankid through a Swedish bank after the number exists.

On skatteverket.se open Mina sidor and the e-service A-skattsedel, skattetabell och jämkningsbeslut. Skatteverket's English guide says you can view, print, or download a PDF. If payroll asks for proof, send the PDF certificate, not a screenshot of the summary page. You can also order a paper copy through Beställ blanketter if you need post.

Many employers already pull tax-table data electronically from Skatteverket through Fråga om skatteavdrag. You still need to be registered for A-tax, and you must be able to show the certificate when the employer requests it. F-skatt alone (approved for business tax) does not give you an A-skattsedel for ordinary employment pay.

Skatteverket's employer guidance is blunt: if there is no A-tax or SINK decision yet, the payer must deduct preliminary tax at a higher rate. That raised rate is 110 percent of the municipal tax-table amount that applies where the employer runs the business. One-off pay without regular compensation often uses a flat 30 percent deduction instead. Either way, your first payslips can look harsh until the correct table is on file.

Once your A-tax decision arrives, the employer switches to the table on the notice for later payments. Skatteverket tells employers not to rewrite earlier PAYE filings just because the decision landed late. Any over-withholding is sorted through the next income declaration and final tax decision, not by asking HR to invent a refund mid-month.

Have a Swedish account ready so net pay has somewhere to land: Open bank account. Put the tax-card step on the same week-one checklist as address and identity work in Paperwork after moving.

If your income mix changes (second job, large deductions, uneven months), Skatteverket can issue jämkning (a tax adjustment decision). Follow that decision instead of the ordinary table when you have one. Use Skatteverket's calculate-income-after-tax e-service when you have a single main payer and want to see which table currently applies. Do not invent a private withholding rate for your employer; only Skatteverket decisions change the legal deduction.

Self-employed people approved for F-skatt handle preliminary tax differently. This page is for employees and pension receivers who need A-skatt withholding on Swedish pay.