Nordea Bank AB (Publ), Finnish Branch SWIFT/BIC code

Nordea Bank AB (Publ), Finnish Branch SWIFT code: NDEAFIHH

If an invoice shows NDEAFIHH or NDEAFIHHXXX, it is the same address for Nordea Bank AB (Publ), Finnish Branch in Finland. A SWIFT code tells the sending bank exactly which bank is meant to get the money. It comes up mostly when dealing with payments that cross a border.

This page is meant to help people who sends money to an account at Nordea Bank AB (Publ), Finnish Branch and wants to get the details right. Remember that the SWIFT code just identifies the bank, not the person: the IBAN or account number takes care of that.

Where our SWIFT data comes from

The codes here come from public sources that we update regularly. Still, banks merge, rename themselves or change codes. The number of codes on this page are based on what is in our directory and not on information from Nordea Bank AB (Publ), Finnish Branch itself.

Before any payment of any size, always confirm the code with the recipient’s bank or with the recipient. We are a comparison site for money transfers and not affiliated with Nordea Bank AB (Publ), Finnish Branch. Spotted outdated information? Tell us through the contact page.

Transfer times and tracking a payment to Nordea Bank AB (Publ), Finnish Branch

How quickly a transfer reaches Nordea Bank AB (Publ), Finnish Branch is determined by several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Occasionally a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, contact your bank for the tracking status. Specialist transfer services usually provide a status online showing where the payment is.

If the money does not arrive within the expected time, the person who paid needs to start with their own bank. Request from the sender the payment receipt – it helps your own bank look for the money.

Paying Nordea Bank AB (Publ), Finnish Branch in euros within SEPA

Finland is a member of the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

You will still need NDEAFIHHXXX for payments in other currencies or transfers from countries outside SEPA. Some banks and apps still show a field for the BIC out of habit; if so, enter NDEAFIHH or NDEAFIHHXXX.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

Head office or branch code at Nordea Bank AB (Publ), Finnish Branch?

Nordea Bank AB (Publ), Finnish Branch uses 9 separate SWIFT/BIC codes across 1 cities. Only one is the head office code; the others belong to branches, and sometimes specific services.

Usually there is no need to look up a branch: payments addressed to NDEAFIHHXXX are routed within Nordea Bank AB (Publ), Finnish Branch without problems. When you receive a specific code, stick to it rather than swapping it for the head office code.

Unsure which code to use? Ask the recipient. Branch codes are sometimes changed or retired when banks reorganise.

Incoming international payments to Nordea Bank AB (Publ), Finnish Branch

A sender in another country will ask for several details about your account – incomplete details often cause delays. Give them the account holder’s name, your account number or IBAN, the BIC NDEAFIHHXXX and your address.

The sender’s bank might also ask for the bank address of Nordea Bank AB (Publ), Finnish Branch, in which case the Helsinki head office is the usual answer. Check each detail before you send them.

The amount you receive can be less than the amount sent. Correspondent banks can take a fee, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

International transfers from Nordea Bank AB (Publ), Finnish Branch: the real cost

When you transfer money abroad via Nordea Bank AB (Publ), Finnish Branch, the visible fee is rarely all of what you pay. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Compare their rate against the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer. Next time you send money, it is worth to compare the total cost on GoldexPay. Using a transfer service does not require closing your account at Nordea Bank AB (Publ), Finnish Branch – you pay the provider from your own account.

Euro (EUR) and conversion costs

The currency in Finland is the Euro (EUR). If you send another currency has to be converted at some point. There is rarely a separate charge for that conversion.

Who does the conversion affects how much arrives. Often you pay less if you send EUR straight away via a provider that converts near the mid-market rate.

The EUR rate fluctuates throughout the day. For recurring payments, a slightly better rate add up over time.

Changed bank details? Be careful

Stay alert if a contact unexpectedly wants you to pay into another account or a bank in another country. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Never trust contact details from the same email that announces the new account. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also work the other way. Someone claims to have sent too much and wants you to refund the difference to a new account. A payment confirmation from the sender is no proof – check your own account.

Why Nordea Bank AB (Publ), Finnish Branch has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. For Nordea Bank AB (Publ), Finnish Branch, the 8-character core is NDEAFIHH.

Many banks and apps accept either length. If a form requires eleven characters, use NDEAFIHHXXX, otherwise NDEAFIHH is fine.

Leave out spaces or dashes when you enter NDEAFIHH. Look out for O versus 0 and the letter I and the digit 1.

Is NDEAFIHH still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it against NDEAFIHH on this page.

If the code is wrong, the payment might get stuck, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

A validity check in your banking app merely tells you that the IBAN is valid. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for a large first payment.