SWIFT/BIC codes in Finland: banks starting with J

Bank SWIFT codes for Finland

For Finland our database holds 602 SWIFT/BIC codes from 569 financial institutions. Each code points to a bank or a specific branch or department and tells other banks where an international payment should go.

Every bank has its own page showing the head office code and, where available, codes for branches and departments. The sections below explain how the codes work, what transfers cost and how to avoid mistakes.

The Euro (EUR) and conversion costs

Bank accounts in Finland are typically held in EUR. 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 money matters, because each party uses its own rate. Check how much EUR arrives via different providers before choosing one. With bigger transfers, even a small difference in the rate adds up quickly.

Tracking a payment to Finland

There is no single answer for transfers to Finland: many arrive within a day. Transfers sent after the cut-off time or just before weekends and holidays often start the next business day.

Many banks are connected to SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR that banks can use to see where the money is. Money transfer services often provide tracking online so you can follow the payment.

The structure of a Finland SWIFT/BIC code

Bank identifier codes use the same format worldwide: 8 characters plus an optional three-character extension. The first four letters stand for the bank, the fifth and sixth characters are the country code and the next two mark the location.

For banks in Finland, letters five and six are the two-letter ISO code of Finland, which makes these codes easy to recognise. If those two letters do not match Finland, the code belongs to a bank somewhere else, so check again.

The optional last three characters identify a specific branch; XXX is used for the head office. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

Sending money to Finland for less

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

The markup on the rate is often the biggest part of the cost because it is hidden in the rate. Compare the bank’s rate against the mid-market rate that you find on financial sites.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. On GoldexPay you can compare what recipients in Finland receive with different providers, so you can pick the cheapest route.

Finland and the SEPA area

Finland is a member of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. For a regular euro transfer from another SEPA country, you normally only need the IBAN.

The BIC still matter when the currency is not euros. SEPA transfers usually arrive within one business day or faster with instant payments. Costs stay low provided no currency is converted; the conversion is where it gets expensive.

Getting paid from abroad into an account in Finland

To receive a transfer from abroad in Finland, the person paying you has to have more than the BIC. Share the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

The code of your bank is in our list, yet the version on your own statement or in your banking app is leading. Certain sending banks may also ask for your bank’s address, so keep it at hand.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. On invoices, state how the fees are split, so nobody is left short.

Which bank in Finland has the most codes?

Suomen Pankki - Finlands Bank leads the list of Finland banks in the number of SWIFT/BIC codes. The head office uses SPFBFIHHXXX.

Banks differ in whether they register branch codes – a high count is not a measure of size. Paying someone at Suomen Pankki - Finlands Bank? Use SPFBFIHHXXX except when the recipient gives you a branch code.

Banks in Finland starting with :letter

This filter limits the list down to banks from Finland that begin with :letter to make searching quicker. The totals mentioned here apply to every bank we list and not only this letter.

If the bank you need is missing under :letter, check the full list – the registered name can differ from the name people use. Try the full list for Finland if you are not sure the exact name.

How reliable is this list?

The safest source for the BIC is the recipient’s own bank details: an invoice, a statement or their online banking. When the code you were given differs from the code listed here, do not guess.

Our SWIFT/BIC directory draws on public sources and is updated regularly. Institutions merge, close branches and change codes – a directory can be a step behind. Use this list as a reference, not as the final word. GoldexPay is not a bank.

Fraudsters often use payment requests carrying changed bank details that look completely genuine. Always confirm a change of bank details by phone.