Horisont Kapitalforvaltning AS SWIFT/BIC code

What HOKANOK1 means for a payment to Horisont Kapitalforvaltning AS

HOKANOK1 and HOKANOK1XXX are the short and the long form of the same bank identifier, and both lead to Horisont Kapitalforvaltning AS in Oslo. A BIC does one job: it ensures that money from abroad ends up at the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

On this page you can read how the code is put together, when you need it and which other details a transfer to or from Horisont Kapitalforvaltning AS requires. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Tracking a transfer to or from Horisont Kapitalforvaltning AS

A SWIFT payment usually takes anywhere from one to several business days. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Extra checks by one of the banks can also cause some delay.

Many banks are connected to SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt – you will need it for any trace request.

If a payment has not arrived within the expected time, the sender needs to contact the bank that sent it, not the receiving bank. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

About this information

We collect bank codes from public sources and check our list from time to time. Still, banks merge or retire codes, so information can be out of date. Figures such as the number of codes are from our own dataset and may differ from what Horisont Kapitalforvaltning AS publishes.

See the information on this page as a handy check, and let the details from the recipient or Horisont Kapitalforvaltning AS have the final say. GoldexPay is a comparison service and not affiliated with Horisont Kapitalforvaltning AS. Found outdated information? Tell us via our contact form.

Sending money abroad from Horisont Kapitalforvaltning AS

An international bank payment costs more than the listed fee. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup if the currency changes.

Many banks rarely list their exchange rate markup as a cost, but you pay it all the same. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay we compare the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not mean closing your account at Horisont Kapitalforvaltning AS: you simply pay the service from your account.

Euro transfers to Horisont Kapitalforvaltning AS: is a BIC needed?

Within the SEPA zone, euro transfers to Horisont Kapitalforvaltning AS use common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. Some banks and apps still show a field for the BIC; if so, enter HOKANOK1.

SEPA transfers usually arrive by the next business day. Charges on SEPA payments are generally low.

Watch out for payment fraud

A common scam goes like this: you receive a message saying that a supplier now has new bank details. That HOKANOK1 is a real code does not mean that a request mentioning it is legitimate.

Do not rely on a phone number from the same email that contains the new account. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. When a payment was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone sends more than agreed and asks you to refund the extra via a different route. A payment confirmation from the sender proves nothing.

What to give a sender who pays you at Horisont Kapitalforvaltning AS

To receive a transfer from abroad at Horisont Kapitalforvaltning AS, the person paying you has to have more than the BIC. In practice that means: your full name as registered with Horisont Kapitalforvaltning AS, your IBAN or account number, the BIC HOKANOK1XXX and usually your postal address.

The sender’s bank might request the bank address of Horisont Kapitalforvaltning AS. A mistake in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

Money from abroad does not always land for the full amount. Fees for incoming transfers vary per bank. Agree with the sender who covers the fees before the money is sent.

Sending NOK to Horisont Kapitalforvaltning AS

The national currency in Norway is the Norwegian Krone (NOK). When you pay money in a different currency it has to be converted somewhere along the way. Every conversion costs the amount.

Which bank converts the money matters. Check how much NOK the recipient gets via different services before choosing one.

Exchange rates change during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate add up over time.

What the XXX in HOKANOK1XXX means

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six show the country and the two after that mark the location. That gives you HOKANOK1 for Horisont Kapitalforvaltning AS.

Most banks and apps work with either length. If yours asks for eleven characters, enter HOKANOK1XXX.

In practice the code is typed in capitals, without spaces or dashes. A single letter can send a payment to another bank, so check it twice.

Before you send: check the Horisont Kapitalforvaltning AS code

The most reliable source for the BIC is the bank details provided by the recipient. Check that code with HOKANOK1 here.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges along the way. Remember the account number: an error there is more difficult to undo than a wrong BIC.

A validity check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending adds an extra layer of safety. For a first payment, many people send a small amount first and wait for confirmation.

Choosing between the 2 SWIFT codes of Horisont Kapitalforvaltning AS

Horisont Kapitalforvaltning AS uses 2 separate SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments.

For most incoming transfers, the head office code HOKANOK1XXX works fine. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

When in doubt, check with the recipient which code their bank gave them. Branch codes can change when banks reorganise, so a code from an old document is not always valid.