SWIFT/BIC codes in Finland: banks starting with P

SWIFT/BIC codes in Finland

On this page you find the SWIFT/BIC codes of 569 institutions in Finland. A SWIFT code shows every bank in the chain exactly which bank should receive the money.

Every bank has its own page showing the head office code and if there are any, branch codes. Further down we explain how a code from Finland is put together, how to send money there at a fair price and how to check a code before you pay.

SEPA transfers to Finland

Since Finland is part of SEPA, a euro transfer to a bank in Finland usually only needs an IBAN. Many banks do not require the BIC in that case.

A SWIFT code still come into play for payments in other currencies and for transfers from outside SEPA. Instant payments in euros have become widely available across SEPA. Provided the payment stays in euros, the transfer tends to be cheap.

Paying in EUR: what conversion costs you

Bank accounts in Finland are typically held in EUR, the local currency. If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or the receiving bank.

Who converts the payment makes a difference, because each party uses its own rate. Compare what EUR the recipient gets via several providers before choosing one. On larger amounts, a seemingly small gap in the rate adds up quickly.

How long does a transfer to Finland take?

How quickly money reaches Finland depends on several factors: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or just before a weekend or public holiday usually start a business day later.

If a transfer seems delayed, ask the sender to contact their own bank. Money transfer services often show a status online so you can follow the payment.

The cheapest way to send money to Finland

What you pay for a payment to Finland is made up of several parts, and the fee on your screen is only one of them. Besides a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank usually uses a less favourable rate than the actual market rate.

The markup on the rate is often the largest part of the cost. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer, mainly because of the rate. On GoldexPay we compare what recipients in Finland receive with different providers.

Getting paid from abroad into an account in Finland

A sender in another country needs several details from you, and missing ones are a common cause of delays. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

Your bank’s code is in our list. It helps to add the name and city of your bank as well, since some payment forms ask for it.

The amount you receive can be less than what was sent. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. Agree with the sender who pays which costs before the money is sent.

What the letters in a Finland BIC mean

A BIC is either 8 or 11 characters long and follows a fixed pattern. First comes four letters for the bank, followed by two letters for the country and two characters for the location.

Whatever the bank, every code from Finland share the same country code in positions five and six: the ISO code of the country. If the country letters point to another country, the code belongs to a bank in another country.

An 11-character code ends in three characters for a branch. In most cases the head office code is fine unless the recipient asks for a specific branch.

Most SWIFT codes in Finland: Suomen Pankki - Finlands Bank

Of the 569 banks we list for Finland, Suomen Pankki - Finlands Bank has the most SWIFT codes. Its main office has SPFBFIHHXXX.

Many codes often reflects that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. If not the recipient asks for a branch, SPFBFIHHXXX is fine for a payment to Suomen Pankki - Finlands Bank.

Filter: banks in Finland with :letter

Here you see a filtered list: only institutions in Finland with a name starting with :letter. The totals on this page apply to every bank we list and not only this letter.

If a bank does not appear under :letter, check the full list. Try the full list for Finland when you do not know the exact name.

About our data and how to check a code

Ask the recipient to copy their bank details straight from their online banking. A wrong code may lead to a delay, a returned payment or extra fees, so compare it with the list on this page.

The directory on GoldexPay is based on public sources that we update periodically. Still, banks merge, rename themselves or retire codes, so information can be out of date. Treat this list as a reference rather than the last word: the bank details from the recipient come first. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Watch out for invoices containing changed bank details, especially when they come by email. Always confirm changed details by phone on a number you know.