SWIFT/BIC codes in Finland: banks starting with F

Finding a SWIFT code in Finland

On this page you find the SWIFT/BIC codes of 569 banks in Finland, 602 codes in all. Each code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Each bank has its own page with its main code and, where available, branch codes. Further down we explain how codes from Finland are built, how to send money to Finland without overpaying and what to check before you pay.

Sending EUR to Finland

Finland pays in the Euro. A payment in a foreign currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate.

Which bank converts the payment makes a difference, because each party uses its own rate. In many cases it is cheaper if you send EUR straight away via a provider with a good rate rather than letting the receiving bank convert. Exchange rates move all the time.

The cheapest way to send money to Finland

When you transfer money to Finland with your bank, the stated fee is only part of what you pay. On top of the fee, correspondent banks may deduct a charge and, if currencies are converted, the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: banks convert at a rate with a margin built in. Compare the rate you are offered with the mid-market rate.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the exchange rate. GoldexPay lists transfer services next to each other so you can see what actually arrives in Finland before you commit.

Getting paid from abroad into an account in Finland

A sender in another country needs several details about your account, and missing ones are a common cause of delays. Give them your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address.

Your bank’s code is in the list on this page. You can include your bank’s name and city.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank. For business payments, agree how the fees are split.

Recognising a SWIFT code from Finland

SWIFT/BIC codes follow one international format: eight characters plus an optional three-character extension. The first four letters identify the bank, characters five and six are the country code and the next two give the location.

For banks in Finland, characters five and six are the ISO country code of Finland – that is the quickest way to spot one. When the country letters point to another country, the code belongs to a bank in another country, so check again.

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

Banks in Finland beginning with the letter :letter

You are looking at a filtered list: only banks in Finland whose name begins with :letter. The totals on this page cover every bank we list, not just the ones under :letter.

Cannot find the bank? The registered name might begin with another word – think of the full legal name instead of the brand. The complete list is available if the letter filter does not help.

Verifying a SWIFT code from Finland

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

This list is compiled from publicly available sources. Even so, banks merge, rename themselves or retire codes. Before any payment of any size, confirm the BIC with the recipient’s bank. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers often use fake invoices with changed bank details. Before paying, verify changed details by phone on a number you know.

Which bank in Finland has the most codes?

Of all banks in Finland, Suomen Pankki - Finlands Bank is listed with the most SWIFT codes. Its main office uses SPFBFIHHXXX and that code covers most payments.

The number of codes says something about how it registers branches and services than about its size. Making a payment to Suomen Pankki - Finlands Bank? Use SPFBFIHHXXX unless a specific branch code is requested.

When does money sent to Finland arrive?

A SWIFT payment to Finland typically needs anywhere from one to several business days. Bank holidays in Finland or in the sending country add extra days.

When a payment takes longer than expected, the sender should contact their own bank and ask for the status or the UETR. Keep your transfer receipt until the recipient confirms.

Paying in euros to Finland

Because Finland is part of the SEPA zone, a euro transfer to a bank in Finland normally only needs an IBAN. Most banking apps do not require the BIC in that case.

You will still need a SWIFT code for non-euro payments or money from outside the SEPA area. Instant payments in euros are widely supported within SEPA – check whether your bank supports them. Fees are generally low provided everything stays in euros – conversion is what costs money.