SWIFT/BIC codes in Finland: banks starting with D

Finland: banks and their SWIFT/BIC codes

Here you will find codes for 569 banks in Finland – 602 codes altogether. Every code identifies an institution or a specific branch or department and tells other banks where an international payment should go.

Look for the recipient’s bank in the list and click through for all codes we have. Further down you can read how codes from Finland are built, how to send money there without overpaying and what to check before you pay.

When does money sent to Finland arrive?

How fast a payment arrives in Finland is determined by a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days to the journey.

If the money seems late, the sender should contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Money transfer services often show tracking in their app so you can follow the payment.

Sending EUR to Finland

The national currency of Finland is the Euro (EUR). A payment in a foreign currency is exchanged into EUR before it reaches the account, and whoever converts it chooses the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. Compare how much EUR the recipient gets with different providers; the difference between options can be larger than you expect. On larger amounts, a seemingly small difference in the rate adds up quickly.

How SWIFT codes from Finland are built

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. 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, characters five and six show the ISO country code of Finland, which makes these codes easy to recognise. Codes with other letters in that position come from a bank abroad.

An 11-character code adds three characters for a branch. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

Incoming international payments in Finland

If you expect a payment from another country in Finland, give the sender a complete set of details. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

The code of your bank is in our list, yet the version on your own statement or in your banking app is leading. It helps to add your bank’s name and city as well because some forms have separate fields for it.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. On invoices, state how the fees are split to avoid a shortfall.

Paying in euros to Finland

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

You still need the BIC for payments in other currencies or transfers from countries outside SEPA. SEPA transfers usually arrive within one business day or faster with instant payments. Fees are generally low as long as everything stays in euros.

Which bank in Finland has the most codes?

Suomen Pankki - Finlands Bank tops the list of Finland banks when it comes to SWIFT/BIC codes. Its main office has SPFBFIHHXXX.

Many codes often means separate codes for branches, departments or services. Making a payment to Suomen Pankki - Finlands Bank? Go with SPFBFIHHXXX except when a specific branch code is requested.

Filter: banks in Finland with :letter

This page only shows banks in Finland beginning with :letter. The figures for Finland mentioned here apply to every bank we list.

Cannot find the bank? The registered name might start with a different letter – think of the full legal name instead of the brand. The complete list is one click away if the letter filter does not help.

Check the code before you pay

Have the recipient send you their bank details directly from their online banking. An incorrect BIC can cause a delay, a returned payment or extra fees.

The directory on GoldexPay draws on publicly available sources. Banks merge, change names and retire codes, and no directory catches every change immediately. Use our data as a reference rather than the last word: the bank details from the recipient come first. We are a comparison site for money transfers.

Watch out for invoices with changed bank details. Before paying, verify changed details by phone.

The cheapest way to send money to Finland

The price of a transfer to Finland is made up of several parts – not only the fee you see. On top of the fee, correspondent banks can take a cut, and when the money is converted the bank often uses a less favourable rate than the real market rate.

That exchange rate margin tends to be the biggest part of the cost, even though it is not listed as a fee. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer. GoldexPay compares the amount that arrives in Finland with different providers.