To use P.F.C. you need to be at least 18 years old.
Yes, you must have a Swedish social security number and be registered in Sweden. You also need BankID to be able to register and use P.F.C.
Start by getting an overview of your expenses. Where does the money actually go? All purchases are placed in different categories in the app for you to take in when you are ready.
Is what you bought worth your money or would you’ve rather spent it on something else? To change your shopping habits, use the budget tool.
What do you need in your life? Start saving! If it’s hard, try automagic savings. It withdraws a little extra to your savings goal every time you make a purchase.
“The card was delivered quickly and it was easy to get started.”
Out of money? Top up the card with Swish in no time.
Paying with P.F.C. is simple, you don't even have to carry the card with you. Connect to Apple Pay or Google Pay to pop your phone at the checkout next time you shop.
Flex is a credit you can toggle on or off in the app. With Flex activated, you can go below zero on your P.F.C. card.