SWIFT/BIC codes in Finland: banks starting with H

Finland: banks and their SWIFT/BIC codes

This overview lists 569 banks and other institutions in Finland, with 602 SWIFT/BIC codes in total. You need a SWIFT/BIC code mainly for payments across borders.

Pick a bank below to view its head office code and any branch codes. The rest of this page covers the structure of the codes, the cost of transfers and the checks worth doing.

Paying in EUR: what conversion costs you

The national currency in Finland is the Euro (EUR). When you pay another currency, the amount has to be converted somewhere along the way.

Which bank converts the payment makes a difference. Check what EUR arrives with several providers. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

Suomen Pankki - Finlands Bank and its SWIFT codes

Of the 569 banks in Finland, Suomen Pankki - Finlands Bank has the most SWIFT codes. The head office of Suomen Pankki - Finlands Bank has SPFBFIHHXXX; that is usually the right code for a transfer.

A large number of codes usually reflects separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Paying someone at Suomen Pankki - Finlands Bank? Use SPFBFIHHXXX unless a specific branch code is requested.

SEPA transfers to Finland

Finland is part of the SEPA area, the zone for uniform euro payments. For a standard euro transfer from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You will still need the BIC for payments in other currencies or transfers from countries outside SEPA. Euro payments within SEPA normally land within one business day or faster with instant payments. Costs stay low as long as no currency is converted.

Sending money to Finland for less

The price of a transfer to Finland is made up of more than one component. You pay a transfer fee, possibly charges from intermediary banks and, above all, the exchange rate markup if the money is converted.

The real cost is often in the rate, rather than in the fee – the bank builds a margin into its rate. An easy check: set the offered rate next to the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is cheaper than a traditional bank transfer. Before your next transfer to Finland, take a minute to compare what arrives via GoldexPay.

Filter: banks in Finland with :letter

This list shows only the banks in Finland whose name starts with :letter. The totals on this page cover every bank we list and not only this letter.

Many institutions appear under their official name, which may start with words like Bank or Banco. The complete list remains one click away when you cannot find the bank here.

How reliable is this list?

The safest source for the BIC is the bank details provided by the recipient. When the code you were given does not match the code listed here, stop and ask: check with the recipient or the bank.

We collect SWIFT/BIC codes using public sources and update our list regularly. Still, banks merge, rename themselves or change codes, so information can be out of date. For a payment that matters, check the BIC with the recipient. GoldexPay is not a bank and is not affiliated with the banks listed.

Be wary of payment requests containing changed bank details, especially when they come by email. Before paying, confirm changed details through a separate channel.

Transfer times to Finland

A SWIFT payment to Finland usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday often start a business day later.

Many banks use SWIFT gpi. Each payment carries a unique reference, the UETR, which the sending bank can use to trace it. Save your transfer receipt; a bank needs it to start a trace.

What a sender needs to pay you in Finland

A sender in another country needs several details from you, 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.

Find the bank in the list on this page, but take the code from your own bank details when in doubt. It helps to add your bank’s name and city, since some payment forms ask for it.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments differ per bank – your bank’s price list tells you what applies. On invoices, state how the fees are split.

The structure of a Finland SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters, always in the same order. It starts with a four-letter bank code, followed by two letters for the country and two characters for the location.

In every code from Finland, characters five and six are the two-letter ISO code of Finland – that is the quickest way to spot one. Codes with a different country code come from a bank abroad, even if the bank name looks familiar.

The optional last three characters stand for a branch or department; XXX means the head office. For most transfers the head office code is what you need unless the recipient asks for a specific branch.