Danske Bank A/S SWIFT/BIC code

DABANO22 – the SWIFT/BIC code of Danske Bank A/S

Whether you are given DABANO22 or DABANO22XXX, it is the identical address for Danske Bank A/S in Norway. Every bank on the SWIFT network uses these codes to direct international transfers to the correct institution. In practice you mostly come across it on invoices from abroad, in your banking app and in the bank details of Danske Bank A/S customers.

On this page we explain how the code means, when it matters and what else you need for a transfer to or from Danske Bank A/S. A SWIFT code names a bank or branch, not a specific account; the IBAN or account number does that.

Getting paid from abroad into a Danske Bank A/S account

When you are waiting for money from abroad, send the payer everything they need in one go. The basics are: the account holder’s name, IBAN or account number, DABANO22XXX or DABANO22 and often your postal address.

The sender’s bank may also ask for the bank address of Danske Bank A/S. Double-check the details before you send them.

What lands in your account is often less than what was sent. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin applies. Make clear with the sender who pays which costs before the money is sent.

Do you need DABANO22 for a SEPA transfer?

Norway is a member of the Single Euro Payments Area (SEPA). For a standard euro transfer from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

The BIC still matter for payments in other currencies, and for transfers from outside SEPA. If a payment form asks for the BIC anyway, adding DABANO22 is fine.

Instant euro transfers are increasingly supported within SEPA. Charges on SEPA payments tend to be low, as long as no currency conversion is involved.

DABANO22 or DABANO22XXX – which one to use?

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that mark the location. In this case, the 8-character core is DABANO22.

XXX at the end of DABANO22XXX does not stand for a missing value or an error: it stands for the main office of Danske Bank A/S. Some forms insist on 11 characters, and then you can add XXX after DABANO22.

Leave out spaces or dashes when you type DABANO22. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Transfer times and tracking a payment to Danske Bank A/S

How quickly a payment reaches Danske Bank A/S depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Extra checks by one of the banks can also cause some delay, even when all details are correct.

If the money seems late, contact your bank about the tracking status and the transaction reference so they can trace it along the chain. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank is able to request a trace; the receiving side usually has nothing to trace yet. Request from the sender a copy of the payment confirmation with the date and reference.

Where our SWIFT data comes from

We gather bank codes from public sources and check our list regularly. It can happen that a code here is no longer current. Figures such as the number of codes come from our directory and may differ from what Danske Bank A/S publishes.

See our directory here as a handy check and rely on the recipient or Danske Bank A/S for the final confirmation. GoldexPay is a comparison service for money transfers and not part of Danske Bank A/S. Found outdated information? Tell us via our contact form and we will look into it.

Scams that use SWIFT codes

Be alert when a contact unexpectedly wants you to send money to a different account or a bank in another country. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never trust a phone number from the same email that contains the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Contact your bank without delay and ask them to try to recall the payment and report the fraud.

Recipients are targeted too: one known trick is an overpayment followed by a request to send back the difference to another account. Wait until the money has really arrived and check with Danske Bank A/S if anything seems off.

Choosing between the 11 SWIFT codes of Danske Bank A/S

Having 11 codes in 10 locations, Danske Bank A/S is one of the banks that use individual codes for branches. The head office code remains DABANO22XXX.

Unless the recipient tells you otherwise, use DABANO22XXX or its short form DABANO22. When you receive a specific code, use it as it is rather than replacing it with the head office code.

Unsure which code applies? Check with the recipient, or look at a recent statement from Danske Bank A/S. Branch codes are more likely to be retired than DABANO22XXX when a bank merges or closes offices.

International transfers from Danske Bank A/S: the real cost

When you transfer money to another country from Danske Bank A/S, the fee you see is only part of what you pay. On top of a fixed fee, banks in between may take a cut, and if the money changes currency, the bank usually applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts at a rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

Money transfer services often use rates closer to the mid-market rate. GoldexPay compares the amount that arrives across providers, which makes the cheapest option easy to spot. Using a transfer service does not mean leaving Danske Bank A/S – you pay the provider from your own account.

Is DABANO22 still correct? How to check

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. If the code you have does not match DABANO22 or DABANO22XXX, stop and ask – contact the recipient or Danske Bank A/S.

An incorrect BIC may lead to delays, a payment being sent back or extra fees for investigation. A mistake in the account number can be a bigger problem; check it just as carefully.

Most online banking apps validate the structure of IBANs and some suggest the matching BIC – that confirms the format, not the owner. If your bank offers it, a payee name check before sending adds extra certainty. When you pay someone new, many people send a small test amount before sending the rest.

The Norwegian Krone and what conversion costs you

Norway uses the Norwegian Krone. If you send another currency it has to be converted at some point. Every conversion eats into the amount, even when no fee is shown.

Who does the conversion affects how much arrives. Sending the money already in NOK usually avoids a second conversion, provided the rate you get is fair.

The NOK rate fluctuates constantly. On larger amounts, a small gap in the rate can be worth more than the fee.