SWIFT/BIC codes in Denmark: banks starting with N

Bank SWIFT codes for Denmark

Our directory contains 322 banks and other institutions in Denmark and 611 SWIFT/BIC codes between them. A SWIFT code tells the banks handling a transfer exactly which bank should receive the money.

Each bank has its own page with the head office code and if there are any, codes for branches and departments. The rest of this page covers how the codes work, the cost of transfers and how to avoid mistakes before a payment.

Incoming international payments in Denmark

For an international payment in Denmark, the person paying you needs not just the BIC. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the BIC of your bank and, often, your address.

Your bank’s code appears in our list but always compare it with your own bank details. It helps to add the name and city of your bank as well, since some payment forms ask for it.

What lands in your account can be lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs before the money is sent.

Tracking a payment to Denmark

How quickly money reaches Denmark is determined by several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Public holidays in Denmark or in the sending country can add extra days to the journey.

When a payment takes longer than expected, ask the sender to contact their own bank – the receiving bank often cannot see a payment that has not arrived. Keep the payment confirmation until the money has arrived; a bank needs it to start a trace.

How SWIFT codes from Denmark are built

Bank identifier codes use one international format: 8 characters plus an optional three-character extension. It starts with a four-letter bank code, followed by two letters for the country and a two-character location code.

For banks in Denmark, characters five and six show the ISO country code of Denmark. Codes with other letters in that position belong to another country – a quick way to catch mistakes.

An 11-character code ends in three characters for a branch, where XXX means the head office. For most transfers the head office code is what you need unless the recipient asks for a specific branch.

Denmark and the SEPA area

Denmark belongs to the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough.

You will still need a SWIFT code when sending non-euro payments or money from outside the SEPA area. Euro payments within SEPA normally land by the next business day. Costs stay low provided everything stays in euros – conversion is what costs money.

Sending DKK to Denmark

Denmark pays in the Danish Krone, with the currency code DKK. If you send money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or the receiving bank.

Who does the conversion has an effect on the final amount. Compare how much DKK arrives via different services; the difference between options can be larger than you expect. Exchange rates change all the time, so a quote is usually valid only briefly.

Sending money to Denmark for less

A bank transfer to Denmark often costs more than the fee suggests. On top of a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee – the bank builds a margin into its rate. A simple test: put the offered rate next to the mid-market rate and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the rate. Before you send money to Denmark, take a minute comparing the total cost on GoldexPay rather than accepting the first rate you see.

Which bank in Denmark has the most codes?

Vp Securities A/S tops our list for Denmark in the number of SWIFT/BIC codes. The head office of Vp Securities A/S uses VPDKDKKKXXX and that code covers most payments.

A large number of codes often reflects separate codes for branches, departments or services – it says nothing about the size of the bank as such. Paying someone at Vp Securities A/S? Use VPDKDKKKXXX unless the recipient gives you a branch code.

Banks in Denmark beginning with the letter :letter

The letter filter limits the list to banks in Denmark starting with :letter. The totals mentioned above always refer to the whole country.

If the bank you need is missing here, try the full list – the registered name can differ from the name people use. The full overview for Denmark is available if you cannot find the bank here.

About our data and how to check a code

The most reliable place for the right code is paperwork issued by the bank. A wrong code can cause a delay, a returned payment or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes using publicly available data and check them regularly. Banks merge, close branches and retire codes – a directory can be a step behind. For a payment of any size, confirm the code with the recipient’s bank. We are a comparison site, not a bank.

Watch out for invoices containing changed bank details. A valid BIC says nothing about whether a request is genuine – scammers use the codes of real banks.