[PeterisP]

What's stopping non-white immigrants (presumably residents of Sweden staying there for a nontrivial time) from getting a Swedish bank account? If there are significant barriers to that then the "getting into a club issue" is a trifle compared to the broader participation in society. E.g. how are they getting paid for their work if almost no legal employers will pay salaries in cash?

[antocv]

There is many borders, not just getting into Sweden, one of them is getting bank account, the other is getting a BankID, the third border is getting Swish, for example. For each, there is criteria and different requirements, and costs.

For me, I refuse to run non-free software on my computing devices, Swish is a non-free proprietary spy-ware. Just because of this decision, I am excluded and made feel like an outcast at social events where money is involved - such as splitting a bill at restaurant. Yet Im white, so I can politely tell my white friends to suck my dick if they refuse the cash I hand them. For an non-white immigrant, telling other people to suck it is not so easy.

[alkonaut]

I think it may be a misconception from someone from e.g the US where there is a threshold for getting a bank account.

[PeterisP]

Yeah, around here any old homeless alcoholic would have a bank account, because that's the only way how they'd get social security payments, and also any student (or working teenager) would have a bank account, because that's the only way how they'd get paid for a summer job or internship or study loan or whatever.

A bank account is a basic thing that's required (at least in come countries) for any participation in the economy and should be available to anyone; IIRC there's an EU directive about a requirement that everybody must be able to access basic banking services.