SWIFT/BIC codes in Denmark: banks starting with L

Finding a SWIFT code in Denmark

On this page you find the SWIFT/BIC codes of 322 banks in Denmark, 611 codes in all. A SWIFT code tells the banks handling a transfer which institution is meant to get an international payment.

Every bank has its own page showing its main code and if there are any, codes for branches and departments. The rest of this page covers how the codes work, what transfers cost and the checks worth doing before a payment.

The structure of a Denmark SWIFT/BIC code

A BIC is either 8 or 11 characters long and follows a fixed pattern. First comes a four-letter bank code, then two letters for the country and two characters for the location.

Whatever the bank, every code from Denmark have the same fifth and sixth letters: the ISO code of the country. A code with other letters in that position belong to another country, even if the bank name looks familiar.

If the last three are XXX, it refers to the head office. Choose a branch code just when the recipient’s bank asks for it – otherwise stick with the head office.

Which bank in Denmark has the most codes?

Vp Securities A/S tops the list for Denmark when it comes to SWIFT/BIC codes. Its head office code is VPDKDKKKXXX.

The number of codes tells you something about how it registers branches and services than about how big it is. Unless a branch code is given, the head office code VPDKDKKKXXX works for a payment to Vp Securities A/S.

Paying in euros to Denmark

Denmark belongs to the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a standard euro transfer from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

The BIC still matter for payments in other currencies and for transfers from outside SEPA. Instant payments in euros have become widely supported across SEPA – check whether your bank supports them. Provided the payment stays in euros, a SEPA transfer is usually inexpensive.

The cheapest way to send money to Denmark

An international bank payment to Denmark often costs more than the fee suggests. You pay a transfer fee, possibly charges from intermediary banks and, above all, the exchange rate markup if the money is converted.

The real cost is often in the rate, not in the fee: banks convert at a rate with a margin built in. Compare the bank’s rate with the mid-market rate that you find on financial sites. The difference is your real cost.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer, mainly because of the rate. Before you send money to Denmark, take a minute comparing what arrives on GoldexPay.

Banks in Denmark starting with :letter

This page only shows the banks in Denmark whose name starts with :letter, sorted alphabetically. The totals mentioned above still cover the whole country.

If a bank does not appear here, check the full list: banks are often registered under their full legal name. The full overview for Denmark remains available if the letter filter does not help.

Check the code before you pay

Have the recipient send you the account details straight from their banking app. A wrong code may lead to a delay, a returned payment or additional charges.

The directory on GoldexPay is based on public sources and is updated regularly. Even so, banks merge or change codes. Before a payment of any size, check the BIC with the recipient’s bank. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Fraudsters often send fake invoices carrying changed bank details. A real SWIFT code says nothing about whether a request is genuine.

What a sender needs to pay you in Denmark

A sender in another country will ask for several details from you – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and, often, your address.

The code of your bank is in our list but always compare it with your own bank details. It helps to include your bank’s name and city.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate comes on top. For business payments, state how the fees are split.

Denmark and the Danish Krone

Denmark uses the Danish Krone, with the currency code DKK. A payment in a foreign currency will be converted into DKK.

Where the conversion happens affects the final amount, since every bank sets its own rate. Check what DKK arrives with different services. On larger amounts, even a small difference in the rate adds up quickly.

Tracking a payment to Denmark

How quickly a payment reaches Denmark is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made late in the day or on a weekend or public holiday usually start the next business day.

If a transfer seems delayed, ask the sender to contact the sending bank and ask for the status or the UETR. Save the payment confirmation.