SWIFT/BIC codes in Finland: banks starting with A

Finding a SWIFT code in Finland

On this page you find the SWIFT/BIC codes of 569 banks in Finland, 602 codes in all. Every code identifies a bank or a specific branch or department.

Search for the recipient’s bank in the list and open its page for the full list of codes and the details a transfer needs. Below the list you can read how codes from Finland are built, how to send money there without overpaying and how to check a code before you pay.

What the letters in a Finland BIC mean

Each SWIFT/BIC code has 8 or 11 characters. The first four letters identify the bank, characters five and six form the country code and the next two give the location.

You can spot a bank code from Finland by letters five and six: they always show the ISO country code of Finland. When the country letters point to another country, you are looking at a bank somewhere else – worth double-checking.

The last three characters, if present, identify a specific branch; XXX is used for the head office. Use a branch code only if the recipient explicitly gives you one; otherwise the head office code is the safe choice.

Bank or transfer service for Finland?

The price of a payment to Finland is made up of more than one component – not only the fee you see. On top of a fixed fee, intermediary banks can take a cut, and when the money is converted the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, rather than in the fee. An easy check: put the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a transfer service is cheaper than a bank, mainly because of the rate. On GoldexPay we compare what recipients in Finland receive with different providers, which makes the cheapest option easy to spot.

Most SWIFT codes in Finland: Suomen Pankki - Finlands Bank

Suomen Pankki - Finlands Bank tops the list of Finland banks when it comes to the number of SWIFT/BIC codes. The head office uses SPFBFIHHXXX.

The number of codes tells you more about how it organises its payments than about its size. Unless a branch code is given, the head office code SPFBFIHHXXX works for transfers to this bank.

Getting paid from abroad into an account in Finland

Someone abroad who wants to pay you will ask for several details from you. That means: your full name as your bank knows it, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Look up the bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. You can include the name and city of your bank because some forms have separate fields for it.

The amount you receive is often 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 comes on top. On invoices, state who bears the costs, so nobody is left short.

Transfer times to Finland

There is no single delivery time for transfers to Finland: many arrive the same day or the next, others take several business days. Public holidays in Finland or in the sending country can add a day or more.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR. Keep your transfer receipt; a bank needs it to start a trace.

About our data and how to check a code

Ask the recipient to send you the account details straight from their online banking. If the code you have does not match our list, do not guess – contact the recipient or their bank.

This list is compiled from publicly available sources and is updated regularly. Institutions merge, change names and change codes – a directory can be a step behind. For a payment that matters, check the code with the recipient. GoldexPay is not a bank and has no link to the banks in this list.

Be wary of payment requests with changed bank details – a common fraud method. Before paying, confirm changed details by phone, using a number you already had.

Filter: banks in Finland with :letter

You are looking at a selection: only banks in Finland whose name begins with :letter. The totals mentioned above still refer to the whole country and not only this selection.

If a bank does not appear here, try another letter – the registered name can differ from the name people use. Use the full list for Finland when you do not know how the name is spelled.

The Euro (EUR) and conversion costs

The currency of Finland is the Euro (EUR). A payment in a foreign currency is converted into EUR before it reaches the account.

Which bank converts the payment matters, because each party uses its own rate. Check how much EUR arrives via several providers before choosing one. Exchange rates change all the time.

Euro payments to Finland: is a BIC needed?

Since Finland is in SEPA, a euro transfer to a bank in Finland normally only needs an IBAN. Many banks do not require the BIC in that case.

A SWIFT code still come into play for payments in other currencies and when the money comes from outside SEPA. Instant payments in euros have become increasingly supported within SEPA. Fees are generally low provided no currency is converted; the conversion is where it gets expensive.