Unless there's some esoteric Swedish law that gives banks special privileges that I'm missing, the bank doesn't have any right to refuse you your money except according to published limits on the timing of withdrawals (and its obligation to freeze accounts under criminal investigation). These limits always can and have existed, and in fact were much worse when the bank genuinely was worried about having to redeem everyone's assets in physically limited gold or currency, instead of being able to pay your money into another account electronically and balance their reserve shortfall with electronic interbank lending and automatically approved loans from the central bank. They've got a lot less motivation to deny access to your funds and little chance of getting away with it, unlike an anonymous overseas intermediary in the trade of some digital asset which is intangible unregulated and not legally recognised as having any monetary value.