Even smarter would be to open a salary account with FOREX Bank – with an interest rate of 2.05%! - and then to apply for a direct debit (autogiro) and let your bills pay themselves, at no additional cost! If you have FOREX’s Bank card (SEK 240 per year) on your account, you can make withdrawals or payments wherever VISA is accepted.
But the smartest thing is, in combination with a direct debit, to get started with FOREX Internet bank, also a service which is free! – and to carry out the rest or all of your errands by computer.