SWIFT/BIC code KAOIFI21XXX
KAOIFI21XXX belongs to Kalajoen Osuuspankki in Kalajoki, Finland.
Code details
| SWIFT/BIC code | KAOIFI21XXX |
|---|---|
| 8-character code | KAOIFI21 |
| Branch code | XXX |
| Bank | Kalajoen Osuuspankki |
| Branch | Head office |
| City | Kalajoki |
| Country | Finland |
How the Kalajoen Osuuspankki SWIFT/BIC is structured
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- KAOI Bank code
- 4 letters that identify the bank.
- FI Country code
- 2 letters for the country (ISO 3166).
- 21 Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Check before you send
- Ask the recipient which bank and branch the account is held at.
- Use the head office code (XXX) when no branch is specified.
- Make sure the country in the code matches the country of the account.
Frequently asked questions
What bank uses SWIFT code KAOIFI21XXX?
KAOIFI21XXX identifies the main office of Kalajoen Osuuspankki in Kalajoki, Finland. It is the code to use when you send money to an account at Kalajoen Osuuspankki.
Do I need KAOIFI21XXX for a euro transfer to Finland?
Finland belongs to the SEPA area. When you send euros the IBAN is usually enough and many banks fill in the BIC automatically. If you send another currency you still need KAOIFI21XXX.
How long does it take to send money to Kalajoen Osuuspankki?
Euro transfers within SEPA normally arrive the next business day. Transfers in other currencies can take 2–4 business days.
Is KAOIFI21 and KAOIFI21XXX the same SWIFT code?
Yes. KAOIFI21 is the 8-character version of KAOIFI21XXX. The XXX at the end only means head office, so both routes your payment to Kalajoen Osuuspankki in Kalajoki.
Does Kalajoen Osuuspankki use only one SWIFT/BIC code?
Yes – KAOIFI21XXX is the single SWIFT/BIC code we have for Kalajoen Osuuspankki in Finland, so there is no branch code to choose.
What is the best way to send money to Kalajoen Osuuspankki?
Many banks add 1–3% to the exchange rate on top of a fee. Compare the amount that arrives in Euro with transfer services before you send.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.