# Donation crowdfunding · Sweden

Which platform delivers the most of every krona to Swedish causes — and how the 25% gift reduction changes what a donation is worth.

Sweden is one of the world's most cashless societies, and Swish — the bank-owned instant mobile-payment app — anchors everyday giving: more than 80% of Swedes use it, and charities routinely print a Swish number on every appeal. Because Swish settles bank-to-bank in real time at little or no cost, the payment method barely dents a donation, so the platform's own fee is what mostly decides how much of each krona reaches the cause.

Since 2019 Swedish donors can claim a 25% tax reduction (skattereduktion för gåva) on money gifts to a Skatteverket-approved recipient — typically a charity holding a 90-konto, the trust mark granted and policed by Svensk Insamlingskontroll. The reduction is capped and has yearly minimums, and the donor and fundraiser sides of the tax question differ, which is why this guide splits them below.

On the payments side the regulator is Finansinspektionen; donor data is governed by the dataskyddsförordningen — Sweden's implementation of the GDPR — supervised by IMY (Integritetsskyddsmyndigheten). EEA data residency is effectively expected by Swedish nonprofits handling supporter data.

## Facts

|  |  |
| --- | --- |
| Currency | SEK |
| Regulators | Finansinspektionen, Integritetsskyddsmyndigheten (IMY) |
| Payment methods | swish, card, klarna, autogiro, paypal, trustly |

## Platforms

1. **4fund.com** — £100.00/£100 · Individuals, charities, and small organisations across the EEA who want a multilingual, no-commission fundraiser backed by an established Polish crowdfunding operator with EU payment-institution licensing.
2. **WhyDonate** — £98.35/£100 · EU nonprofits — 0% fee, Swish-ready, EEA data residency
3. **iRaiser** — £97.85/£100 · Established European nonprofits, foundations, hospitals, and cultural institutions that want branded, self-hosted fundraising tools — forms, peer-to-peer, crowdfunding, and events — under their own identity.
4. **Leetchi** — £96.85/£100 · Group collections and informal fundraisers
5. **GoFundMe** — £96.80/£100 · Personal causes — broad brand reach
6. **Donorbox** — £94.55/£100 · Embeddable donation forms with Swish
7. **Fundraise Up** — £93.50/£100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
8. **GoGetFunding** — £92.80/£100 · Individual fundraisers running personal, medical, or emergency campaigns who prefer a fundraiser-paid platform fee over donor tipping, with broad international country availability.
9. **Chuffed** — £92.20/£100 · Nonprofits, social enterprises, and community-cause organisers in 29 supported countries who want a 100%-free, tip-funded platform and are willing to complete identity verification before launching.
10. **Steady** — £87.10/£100 · European creators, independent journalists, podcasters, and publishers who want recurring income from paying members rather than one-off donation campaigns.

## FAQ

### Which platforms work in Sweden?

The platforms in the table above operate in Sweden and support Swish, the country's dominant payment method. Because Swish settles instantly bank-to-bank — and many charities pay no Swish fee through their bank — the platform fee, not the payment method, is what mostly decides how much of each krona reaches the cause.

### Are donations tax-deductible in Sweden?

Partly. Since 2019 Sweden offers a 25% tax reduction (skattereduktion för gåva) on money gifts to a Skatteverket-approved recipient. Each gift must be at least 200 kr and your yearly gifts at least 2,000 kr; the reduction is capped at 3,000 kr (reached at 12,000 kr of gifts). Gifts to private individuals do not qualify.

### Will I be taxed on money I raise?

Sweden abolished gift and inheritance tax in 2004, so genuine donations you receive are tax-free. It changes if donors get goods or services in return, or if you are effectively trading — then it can be taxable income and VAT may apply. Registered non-profits are generally exempt on their fundraising.

### What's the cheapest way to receive donations in Sweden?

Swish. It is bank-to-bank and instant, and a charity with a 90-konto can often collect over Swish with no transaction fee through its bank — so more of each krona reaches the cause than over card rails.