Arla Foods Amba SWIFT/BIC code

What ARDADK21 means for a payment to Arla Foods Amba

The 8-character code ARDADK21 and the full code ARDADK21XXX refer to one and the same institution: Arla Foods Amba in Viby J, Denmark. The code has a single purpose: it makes sure that an international payment ends up at the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details that Arla Foods Amba provides.

We wrote this page to help people who pays into an account at Arla Foods Amba. Remember that the BIC only identifies the bank, not the person: the account number or IBAN does that part.

Transfer times and tracking a payment to Arla Foods Amba

How fast a payment reaches Arla Foods Amba depends on several factors: which currency you send, the number of banks in between, cut-off times and time zones. Weekends and public holidays in the sending or receiving country add extra days to the journey. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact the sending bank for the tracking status or the UETR. Keep the payment confirmation; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the sender should contact their own bank. Ask the sender for the payment receipt; that often settles the question quickly.

Changed bank details? Be careful

A common scam works like this: you receive a request saying that a supplier now has new bank details and that the next payment should go there. The fact that ARDADK21 exists is no guarantee that a request mentioning it is genuine.

Do not rely on a phone number from the same email that announces the new account. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. When money was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Do not act before the money is actually in your account and check with Arla Foods Amba if anything seems off.

Getting paid from abroad into a Arla Foods Amba account

When you are waiting for money from abroad, give the sender everything they need in one go. Give them the account holder’s name, your account number or IBAN, the BIC ARDADK21XXX and your address.

Their bank might request the address of your bank, in which case the Viby J head office is the usual answer. A typo in the IBAN is harder to fix than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. On invoices, you can agree how the fees are split, so that nobody is left short.

ARDADK21 or ARDADK21XXX – which one to use?

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, the next two give the country and the two after that mark the location. In this case, the 8-character core is ARDADK21.

The full version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why ARDADK21XXX and ARDADK21 lead to the same place.

Leave out spaces or dashes when you type ARDADK21 or ARDADK21XXX. Pasting the code beats retyping it: a typo can point to another bank.

What a transfer from Arla Foods Amba abroad really costs

A bank transfer abroad costs rather more than the listed fee. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

The markup on the rate tends to be the largest cost. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive across services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Arla Foods Amba – you pay the provider from your own account.

Head office or branch code at Arla Foods Amba?

With 3 codes in 1 cities, Arla Foods Amba is one of the banks that use individual codes for branches. The main code remains ARDADK21XXX.

In most cases you do not need to look up a branch: payments sent to ARDADK21XXX are routed within Arla Foods Amba without problems. If you have been given a specific code, use it as it is instead of swapping it for the head office code.

The best way is to copy the code directly from the recipient’s statement. Codes for branches are more prone to change than ARDADK21XXX.

Euro transfers to Arla Foods Amba: is a BIC needed?

Within the SEPA zone, euro transfers to an account in Denmark follow the same rules, so the IBAN does the job in most cases. The BIC field is usually optional or missing for those payments.

You still need ARDADK21XXX for payments in other currencies or money from outside the SEPA area. A few banks and apps still ask for the BIC out of habit; in that case, enter ARDADK21 or ARDADK21XXX.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low.

Danish Krone (DKK) and conversion costs

Most accounts at Arla Foods Amba are typically held in DKK, the local currency of Denmark. If you send another currency it gets converted somewhere along the way: by your bank, an intermediary or Arla Foods Amba itself. There is rarely a separate line for the conversion; it is built into the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. In many cases you pay less if you send DKK straight away through a provider with a good rate rather than letting the receiving bank convert.

The DKK rate fluctuates constantly. For recurring payments, a slightly better rate make a real difference over time.

Before you send: check the Arla Foods Amba code

The most reliable source for the BIC is the recipient’s own bank details. Check that code with ARDADK21 here and ask if anything does not match.

Errors in the BIC tend to be costly more than fatal. Remember the account number: an error there is harder to undo than a wrong code.

Many banking apps check the structure of IBANs and sometimes look up the BIC automatically. More and more banks check the name against the account. For a first payment, many people start with a small test amount before sending the rest.

About this information

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. Even so, banks merge, rename themselves or change codes. The number of codes we show are based on our own data, not official figures from Arla Foods Amba.

For a payment of any size, confirm the BIC with Arla Foods Amba or the recipient. GoldexPay has no connection to Arla Foods Amba. Found an error? Tell us via our contact form so we can correct it.