Jyske Bank A/S SWIFT/BIC code

JYBADKKK – the SWIFT/BIC code of Jyske Bank A/S

JYBADKKK and JYBADKKKXXX are two spellings of the same SWIFT/BIC code, and both point to Jyske Bank A/S in Copenhagen. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. It comes up mostly for payments that cross a border and payments in foreign currencies.

We wrote this page to help people who sends money to an account at Jyske Bank A/S. The SWIFT code on its own does not identify an individual account holder; for that you need the account number or IBAN .

Incoming international payments to Jyske Bank A/S

If you expect money from abroad, send the payer a complete set of details. Give them the account holder’s name, the IBAN or account number, SWIFT code JYBADKKKXXX and your address.

Certain sending banks want the name and address of Jyske Bank A/S in Copenhagen. Check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is smaller than what the sender paid. Charges on incoming payments differ per bank. On invoices, it is common to state who bears the costs, so that nobody is left short.

Do you need JYBADKKK for a SEPA transfer?

Within the SEPA zone, euro transfers to an account in Denmark use the same rules. The BIC field is usually optional or missing for those payments.

A SWIFT code like JYBADKKK still matter for payments in other currencies and when the money comes from outside SEPA. A few forms also show a field for the BIC; in that case, fill in JYBADKKK.

Euro payments within SEPA usually arrive within one business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, the transfer tends to be cheap; costs rise once a conversion is involved.

Is JYBADKKK still correct? How to check

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from JYBADKKK or JYBADKKKXXX, stop and ask.

Errors in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. An error in the account number is more serious because it can reach the wrong person.

An automatic check by your bank only confirms that the code exists. More and more banks compare the payee name against the account. A small test payment can be worth it for a large first payment despite the extra fee.

Changed bank details? Be careful

Stay wary when a contact suddenly asks you to pay into a different account. The fact that JYBADKKK exists is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Verify changed bank details through a different channel like a call to a number from an earlier contract, not by replying to the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money is actually in your account and check with Jyske Bank A/S if anything seems off.

About this information

The details here are taken from publicly available data. It is possible that a code on this page is no longer current, for example after a merger. The number of codes on this page are based on our own data, not official figures from Jyske Bank A/S.

Treat our data as a starting point, not as the final word: the recipient’s bank details come first. GoldexPay is an independent comparison service for money transfers and not affiliated with Jyske Bank A/S. If you notice a mistake, we appreciate a short note.

What a transfer from Jyske Bank A/S abroad really costs

If you transfer money to another country from Jyske Bank A/S, the visible fee is only part of what you pay. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank often applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate with a margin built in. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate. GoldexPay compares the amount that arrives with different services. Using a transfer service does not require leaving Jyske Bank A/S.

JYBADKKK or JYBADKKKXXX – which one to use?

The layout of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. Together, these eight characters make up JYBADKKK, the code most people search for.

XXX at the end of JYBADKKKXXX does not stand for a placeholder or a mistake: it indicates the head office of Jyske Bank A/S. Certain payment forms ask for 11 characters, and then you can add XXX behind JYBADKKK.

In practice the code is typed in capitals and without spaces. Copying the code beats typing it by hand, because one wrong letter changes the bank.

Sending DKK to Jyske Bank A/S

The currency in Denmark is the Danish Krone (DKK). A payment in a foreign currency is converted into DKK, and whoever converts it chooses the rate. Each conversion eats into the amount, even when no fee is shown.

Which bank converts the payment matters, because each party uses its own rate. In many cases it is cheaper if you send DKK directly via a provider that converts near the mid-market rate.

Exchange rates move during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate make a real difference over a year.

Head office or branch code at Jyske Bank A/S?

Our directory lists 3 SWIFT/BIC codes for Jyske Bank A/S in 2 cities. Next to the head office code JYBADKKKXXX, there are codes for individual branches and departments.

For the vast majority of incoming transfers, the head office code JYBADKKKXXX works fine. When you receive a branch code, use it as it is instead of swapping it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes can change when banks reorganise, so do not rely on old paperwork.

How long does an international transfer to Jyske Bank A/S take?

How fast a transfer arrives at Jyske Bank A/S is determined by several factors: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on weekends and holidays usually start a business day later. Extra checks on larger or unusual payments can also add a delay, regardless of the details.

A growing number of banks use SWIFT gpi. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation – you will need it for any trace request.

The bank that sent the money is able to request a trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your statements for a slightly lower amount.