[thekeyper]

SIM swapping is relatively common in the US because it's not difficult to execute via social engineering. I'm not sure what the situation / protections against SIM swapping are in Scandinavia. https://en.wikipedia.org/wiki/SIM_swap_scam

[kwhitefoot]

A replacement SIM card will only be delivered to your registered address. I'm not sure that SIM swapping would even be an effective attack vector because the user will have to register that SIM card with the bank or other institution before it will work. I think, but I;m not sure, that all SIM cards have unique IDs.