You can't do anything in Sweden without a personal number. It's a bit like a tax file number (Aus), social security number (US) or national insurance number (UK). Except more useful. Without it you can't register a car, get a phone line, get a mobile phone contract, connect broadband internet... you can get a bank account but you can't have internet banking, phone banking or a cash card.
I got mine the other day. It's a 10 digit number starting with your date of birth. So now I'm really somebody.
There's a wikipedia article about it here...
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