Access to basic banking services for businesses and civil society
What's at stake: The decision affects whether newly started businesses and non-profit organisations without established bank contacts can get a business account at all, at a time when tighter anti-money-laundering rules make banks more reluctant to take on small, low-margin customers.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
The question is whether businesses and civil society organisations should already now be guaranteed a statutory right to a bank account, similar to individuals' right under the Payment Accounts Directive, or whether the Financial Supervisory Authority's ongoing supervision and guidance work is enough to solve the problems with opening accounts.
Yes Yes — the committee proposal
The committee notes that banks are already obliged to offer a payment account with basic functions and a deposit account, but that both consumers and businesses have difficulty accessing these services, and welcomes that the Financial Supervisory Authority has been tasked with producing guidance to help banks meet their obligations, which is why the motions on basic banking services are rejected; motions on the standing of cash are rejected on the same grounds, with reference to ongoing legislative work.
No No — the reservations
Reservation 11 (C)
The dissenter wants the government to task the Financial Supervisory Authority with investigating why small businesses and civil-society organisations find it increasingly difficult to open bank accounts, and to examine whether they could be guaranteed the same legal right to an account that individuals have under the Payment Accounts Directive, arguing that tighter anti-money-laundering rules lead banks to turn away low-margin customers, which hits new entrepreneurs without established bank contacts especially hard.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
V–
S–
MP–
C–
L–
KD–
M–
SD–
YesNoAbstainAbsent
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 11 by C.
Abstain The party marks a position of its own that is not one of the two final alternatives.
The plan's stance / Actual vote
AI
Vote
Confidence
Evidence
V
–
Abstain 0/0/15/7
S
–
Abstain 0/0/93/13
MP
–
Abstain 0/0/16/2
Cown reservation
–
No 0/21/0/3
L
–
Yes 10/0/0/6
KD
–
Yes 17/0/0/2
M
–
Yes 60/0/0/8
SD
–
Yes 62/0/0/9
Committee proposal
Parliament rejects the motions
2025/26:308 by Vasiliki Tsouplaki et al. (V) demand 1,
2025/26:321 by Ida Gabrielsson et al. (V) demand 12,
2025/26:1362 by Dzenan Cisija (S),
2025/26:1499 by Adrian Magnusson (S),
2025/26:2322 by Sten Bergheden (M),
2025/26:2325 by Ann-Sofie Lifvenhage (M),
2025/26:2603 by Anne-Li Sjölund et al. (C),
2025/26:2831 by Elisabeth Thand Ringqvist et al. (C) demand 18,
2025/26:3113 by Sten Bergheden (M),
2025/26:3558 by Mikael Damberg et al. (S) demand 2,
2025/26:3559 by Mikael Damberg et al. (S) demand 19,
2025/26:3625 by Magnus Jacobsson (KD) and
2025/26:3775 by Amanda Lind et al. (MP) demand 68.
Original (Swedish)
Riksdagen avslår motionerna
2025/26:308 av Vasiliki Tsouplaki m.fl. (V) yrkande 1,
2025/26:321 av Ida Gabrielsson m.fl. (V) yrkande 12,
2025/26:1362 av Dzenan Cisija (S),
2025/26:1499 av Adrian Magnusson (S),
2025/26:2322 av Sten Bergheden (M),
2025/26:2325 av Ann-Sofie Lifvenhage (M),
2025/26:2603 av Anne-Li Sjölund m.fl. (C),
2025/26:2831 av Elisabeth Thand Ringqvist m.fl. (C) yrkande 18,
2025/26:3113 av Sten Bergheden (M),
2025/26:3558 av Mikael Damberg m.fl. (S) yrkande 2,
2025/26:3559 av Mikael Damberg m.fl. (S) yrkande 19,
2025/26:3625 av Magnus Jacobsson (KD) och
2025/26:3775 av Amanda Lind m.fl. (MP) yrkande 68.
Riksdag decision: Parliament has considered a government communication on the activities of the International Monetary Fund (IMF) in 2025. The communication covers, among other things, the institution's work with surveillance, lending, and capacity development to promote economic development and financial stability. The communication also sets out the government's priorities for the IMF's activities.
Like the government, the committee considers that the IMF has an important role in supporting Ukraine. Parliament considers that the communication on the IMF's activities provides a good picture of the institution's activities over the past year. As Parliament has previously emphasized, it is valuable that the government's priorities in relation to the IMF's work are clearly presented in the communication.
Parliament referred the communication to the records, which means the matter was concluded.
Parliament also said no to approximately 120 proposals in motions about financial market issues from the regular motion period in 2025. The motions concern macroprudential oversight and the mortgage market, SBAB, statistics on household assets and liabilities, structure and competition in the banking and financial market, as well as access to basic banking services.
Counter-proposals
The counter-proposal wants to conduct an inquiry into improving mortgage lending for pensioners and to create conditions for saving toward home ownership. (C) — Reservation 11