SWIFT/BIC codes in Finland: banks starting with K

SWIFT/BIC codes in Finland

On this page you find the SWIFT/BIC codes of 569 institutions in Finland – 602 codes altogether. Every code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Choose a bank below to view the head office code and any branch codes along with tips for payments to and from that bank. Below the list you can read how codes from Finland are built, how to send money there at a fair price and how to check a code before you pay.

What a sender needs to pay you in Finland

For an international payment into a Finland account, the sender has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC of your bank and sometimes your address.

The code of your bank appears in our list. Some sending banks may also ask for your bank’s address.

The amount you receive can be lower than the amount sent. Correspondent banks can take a fee, and when currencies differ, a markup on the rate comes on top. On invoices, agree who bears the costs to avoid a shortfall.

Finland and the SEPA area

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

A SWIFT code does come into play for payments in other currencies and for transfers from outside SEPA. Euro payments within SEPA usually arrive within one business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, a SEPA transfer is usually cheap.

The cheapest way to send money to Finland

What you pay for a payment to Finland has several parts – not only the fee you see. Besides a fixed fee, intermediary banks can take a cut, and when the money is converted the bank usually applies a less favourable rate than the actual market rate.

That exchange rate margin tends to be the biggest cost item because it is hidden in the rate. An easy check: put the rate you get against the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank. GoldexPay lists transfer services next to each other, showing the amount that reaches the recipient before you commit.

Verifying a SWIFT code from Finland

Have the recipient copy their bank details straight from a recent statement. An incorrect BIC may lead to a delay, a returned payment or extra fees.

The directory on GoldexPay is compiled from publicly available sources that we update periodically. Even so, banks merge or change codes and our data may lag behind. For any payment that matters, confirm the BIC with the recipient. GoldexPay is not a bank.

Be wary of invoices containing a new account. A real SWIFT code says nothing about who owns the account.

Banks in Finland starting with :letter

This page shows only the banks in Finland beginning with :letter in alphabetical order. The figures for Finland on this page apply to all 569 banks.

If a bank is missing under :letter, try another letter. The full overview for Finland is one click away if the letter filter does not help.

Most SWIFT codes in Finland: Suomen Pankki - Finlands Bank

Of all banks in Finland, Suomen Pankki - Finlands Bank is listed with the largest number of SWIFT codes. The head office uses SPFBFIHHXXX.

How many codes a bank has says something about how it organises its payments than about its size. Unless the recipient asks for a branch, SPFBFIHHXXX is fine for a payment to Suomen Pankki - Finlands Bank.

The structure of a Finland SWIFT/BIC code

SWIFT/BIC codes use the same format worldwide: 8 characters, sometimes followed by three more. Characters one to four identify the bank, the fifth and sixth characters form the country code and the next two mark the location.

You can spot a bank code from Finland from letters five and six: they always show the ISO country code of Finland. If those two letters point to another country, you are looking at a bank somewhere else, so check again.

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

Transfer times to Finland

How fast a payment arrives in Finland depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Bank holidays in Finland or in the sending country add extra days, because banks do not process payments on those days.

If the money is late, the sender should contact the sending bank. Specialist transfer services often show a status online so you can follow the payment.

Sending EUR to Finland

The local currency in Finland is the Euro (EUR). Money sent in a different currency is exchanged into EUR – and the bank that does it picks the rate.

Which bank converts the payment makes a difference, because each party uses its own rate. Check how much EUR the recipient gets with different services; the difference between options can be larger than you expect. Rates for EUR change all the time – some providers let you lock in a rate.