SWIFT/BIC codes in Finland: banks starting with G

Bank SWIFT codes for Finland

This directory contains 569 banks and financial institutions in Finland. You need such a code mostly when making payments across borders and for payments in a foreign currency.

Each bank has its own page showing its main code and, where available, codes for branches and departments. 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.

SEPA transfers to Finland

Finland is part of the Single Euro Payments Area (SEPA). When you send euros within SEPA, the IBAN is usually enough.

You will still need a SWIFT code when sending payments in other currencies or money from outside the SEPA area. SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Fees are generally low as long as everything stays in euros.

Tracking a payment to Finland

There is no single delivery time for transfers to Finland: some arrive within a day. Payments made after the cut-off time or on a weekend or public holiday usually go out the next business day.

When a payment takes longer than expected, ask the sender to contact their own bank for a trace; only the sending side can start an official trace. Specialist transfer services usually show a status online, which makes it easier to see where the money is.

What the letters in a Finland BIC mean

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

You can recognise a code from Finland by letters five and six. Codes with a different country code come from a bank abroad – a quick way to catch mistakes.

When a code ends in XXX, it refers to the main office. In most cases the head office code is fine, unless the recipient gives you a branch code.

The cheapest way to send money to Finland

An international bank payment to Finland can cost rather more than the fee suggests. You pay a transfer fee, sometimes fees from correspondent banks and, most importantly, the exchange rate markup when currencies differ.

Most of the cost usually sits in the exchange rate, not in the fee – the bank builds a margin into its rate. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service turns out to be less expensive than a bank – mostly thanks to the exchange rate. Before your next transfer to Finland, take a minute to compare the total cost via GoldexPay.

The Euro (EUR) and conversion costs

Finland pays in the Euro (EUR). Money sent in a different currency will be converted into EUR, and whoever converts it chooses the rate.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. In many cases it is cheaper if you send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Exchange rates move all the time – some providers let you lock in a rate.

About our data and how to check a code

Ask the recipient to send you their bank details straight from their banking app. When the code you were given does not match the code listed here, do not guess.

The directory on GoldexPay draws on publicly available sources and is updated regularly. Still, banks merge or change codes, so information can be out of date. Treat our data as a starting point. GoldexPay is an independent comparison site.

Fraudsters regularly use payment requests with changed bank details. Always confirm a change of bank details by phone on a number you know.

What a sender needs to pay you in Finland

For a transfer from abroad into a Finland account, the person paying you needs more than the SWIFT code. That means: your full name as your bank knows it, your account number or IBAN, the SWIFT/BIC code of your bank and sometimes your postal address.

Find the bank in the list above to check its code, but take the code from your own bank details when in doubt. It helps to add your bank’s name and city because some forms have separate fields for it.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary from bank to bank. For business payments, agree who bears the costs to avoid a shortfall.

Banks in Finland starting with :letter

The letter filter limits the list down to banks from Finland that begin with :letter. The figures for Finland on this page cover every bank we list.

Bank not listed? The registered name may start with a different letter. The full overview for Finland is one click away if the letter filter does not help.

Suomen Pankki - Finlands Bank and its SWIFT codes

Suomen Pankki - Finlands Bank tops the list of Finland banks in SWIFT/BIC codes. The head office uses SPFBFIHHXXX, which is the code to use when no branch is specified.

Many codes usually reflects that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Unless a branch code is given, the head office code SPFBFIHHXXX works for transfers to this bank.