SWIFT/BIC codes in Finland: banks starting with C

Bank SWIFT codes for Finland

Our directory lists 569 banks and other institutions in Finland. A BIC shows the banks handling a transfer exactly which bank is meant to get an international payment.

Search for the recipient’s bank below and click through to see all codes we have and the details a transfer needs. The sections below covers the structure of the codes, the cost of transfers and how to avoid mistakes before a payment.

What a sender needs to pay you in Finland

When you expect money from abroad on an account in Finland, send the payer all details at once. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

The code of your bank appears in the list on this page. You can add the name and city of your bank because some forms have separate fields for it.

Do not be surprised if the incoming amount is below what the sender paid. Charges on incoming payments differ from bank to bank – your bank’s price list tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

Paying in euros to Finland

Within the SEPA zone, euro transfers to Finland use the same rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.

The BIC does come into play when the currency is not euros. Instant payments in euros are widely available across SEPA, though not every bank offers them for every account. Fees are generally low as long as no currency is converted; the conversion is where it gets expensive.

Check the code before you pay

Have the recipient send you their bank details straight from a recent statement. When the code you were given differs from our list, do not guess: check with the recipient or the bank.

We collect SWIFT/BIC codes from public sources and check them regularly. Even so, banks merge or retire codes. Treat this list as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison service and not part of any bank listed here.

Watch out for invoices containing a new account. Always verify a change of bank details by phone, using a number you already had.

Banks in Finland starting with :letter

You are looking at a filtered list: only institutions in Finland with a name starting with :letter. The figures for Finland on this page cover every bank we list, not just the ones under :letter.

Cannot find the bank? Its official name may begin with another word – think of the full legal name instead of the brand. Use the full list for Finland when you do not know the exact name.

How SWIFT codes from Finland are built

Bank identifier codes use the same format worldwide: 8 characters. The first four letters stand for the bank, characters five and six are the country code and the next two mark the location.

In every code from Finland, letters five and six are the ISO country code of Finland. When those two letters point to another country, the code belongs to a bank somewhere else.

The long version adds three characters for a branch. For most transfers the head office code is what you need.

Most SWIFT codes in Finland: Suomen Pankki - Finlands Bank

Of the 569 banks in Finland, Suomen Pankki - Finlands Bank has the largest number of codes. The head office uses SPFBFIHHXXX – the code most transfers need.

Many codes often reflects that the bank registers branches and departments separately. Paying someone at Suomen Pankki - Finlands Bank? Use SPFBFIHHXXX unless a specific branch code is requested.

Bank or transfer service for Finland?

The price of a transfer to Finland is made up of several parts, and the fee on your screen is only one of them. You pay the transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. Compare the rate you are offered with the mid-market rate that you find on financial sites. The difference is your real cost.

For a lot of routes, a specialist provider is cheaper than a bank. Before your next transfer to Finland, take a minute to compare what arrives on GoldexPay.

The Euro (EUR) and conversion costs

Finland pays in the Euro (EUR). If you send money in a different currency, it has to be converted at some point – by your bank, a bank in between or the recipient’s bank.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. In many cases it is cheaper to send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Rates for EUR change during the day.

Transfer times to Finland

An international transfer to Finland typically needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before weekends and holidays usually start the next business day.

When a payment takes longer than expected, the sender should contact the sending bank for a trace; only the sending side can start an official trace. Keep the payment confirmation until the recipient confirms – you will need it if something goes wrong.