Nordfyns Bank SWIFT/BIC code

Nordfyns Bank SWIFT code: NSBKDK21

The 8-character code NSBKDK21 and the 11-character code NSBKDK21XXX refer to the same bank: Nordfyns Bank in Bogense, Denmark. Banks worldwide use these codes to direct payments between countries to the right institution. It comes up mostly for transfers between countries.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to check the code before you hit send. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

SEPA payments and the Nordfyns Bank BIC

Denmark is a member of the SEPA area, the zone for uniform euro payments. For a standard euro transfer within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

For anything other than euros and for senders outside SEPA, NSBKDK21XXX remains required. If your banking app asks for the BIC regardless, adding NSBKDK21 does no harm.

Instant payments in euros have become widely available across SEPA. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

Danish Krone (DKK) and conversion costs

The local currency of Denmark is the Danish Krone (DKK). A payment in a foreign currency will be converted into DKK on its way to Nordfyns Bank. You rarely see a separate line for that conversion – the cost sits in the rate.

Who converts the money makes a difference, because each party uses its own rate. Sending the amount already in DKK often avoids a second conversion, provided the rate you get is fair.

The DKK rate fluctuates constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over time.

Receiving money from abroad at Nordfyns Bank

If you expect money from abroad, send the payer all details at once. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC NSBKDK21XXX and, often, your address.

It helps to add Nordfyns Bank and its city too, since some forms ask for it. Check every detail before you send them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ from bank to bank; check the price list of Nordfyns Bank. Make clear with the sender who pays which costs.

Head office or branch code at Nordfyns Bank?

We have 4 SWIFT/BIC codes for Nordfyns Bank in 4 places. Next to the head office code NSBKDK21XXX, you will find codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code NSBKDK21XXX works fine. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

The safest approach is to take the code directly from the recipient’s invoice. Codes for branches are more prone to be retired than NSBKDK21XXX when a bank merges or closes offices.

Why Nordfyns Bank has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that indicate the location. That gives you NSBKDK21 for Nordfyns Bank.

Most banks and apps accept either length. If a form requires eleven characters, enter NSBKDK21XXX.

Enter the code as one block, in capitals and without separators. Pasting the code beats retyping it.

Where our SWIFT data comes from

We gather bank codes using publicly available data and update our list regularly. Institutions reorganise, change names and change codes. The figures we show reflect what is in our directory, not official figures from Nordfyns Bank.

For a payment of any size, always confirm the code with Nordfyns Bank or with the recipient. We are an independent comparison service for money transfers and not affiliated with Nordfyns Bank. Spotted outdated information? Let us know via our contact form.

How to check NSBKDK21 before you pay

The most reliable place for the correct BIC is a document from the bank itself. Compare that code against NSBKDK21 on this page; if they differ, ask before you pay.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees. A mistake in the account number is a bigger problem because it can reach the wrong person.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically. Where available, a payee name check on the recipient adds extra certainty. A small test payment is a sensible step for large sums despite the extra fee.

Protect yourself against fake payment requests

Scammers often send payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Before paying, confirm a change of bank details by phone. Urgency and requests to keep it quiet are red flags – a real supplier can wait a day. Already paid? Contact your bank straight away and have them try to recall the payment.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. Wait until the money is actually in your account.

Transfer times and tracking a payment to Nordfyns Bank

An international transfer usually takes one to a few business days. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Compliance checks on larger or unusual payments may also add a delay, even when all details are correct.

If the money is late, ask your bank for the status or the UETR so they can trace it along the chain. Money transfer services usually show a status in their app showing how far the payment is.

If a payment has not arrived within the expected time, the sender should start with the bank that sent it, not the receiving bank. As a recipient, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

Sending money abroad from Nordfyns Bank

What you pay for an international transfer is made up of several parts, and the transfer fee is only the most visible one. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. Choosing a specialist does not mean closing your account at Nordfyns Bank: you simply pay the service from your account.