SWIFT/BIC codes in Norway: banks starting with S

SWIFT/BIC codes in Norway

Our directory contains 306 banks and financial institutions in Norway and 731 SWIFT/BIC codes between them. A SWIFT code shows the banks handling a transfer which institution is meant to get the money.

Select the bank below to see the head office code and any branch codes along with tips for payments to and from that bank. The rest of this page covers the structure of the codes, what transfers cost and the checks worth doing before you send money.

Euro payments to Norway: is a BIC needed?

Since Norway is part of the SEPA zone, a euro transfer to an account in Norway usually only needs an IBAN. Most banking apps do not require the BIC for these payments.

You still need a SWIFT code when sending payments in other currencies or money from outside the SEPA area. Euro payments within SEPA usually arrive within one business day, and instant transfers in seconds where both banks support them. Fees are generally low as long as everything stays in euros; the conversion is where it gets expensive.

Check the code before you pay

Have the recipient send you their bank details straight from their banking app. When the code you were given differs from the code listed here, do not guess – contact the recipient or their bank.

We gather SWIFT/BIC codes using public sources and check them regularly. Institutions reorganise, close branches and change codes, and no directory catches every change immediately. For any payment that matters, check the BIC with the recipient. GoldexPay is an independent comparison site.

Be wary of invoices containing changed bank details, especially when they come by email. A valid BIC says nothing about who owns the account.

SWIFT codes in Norway: banks under :letter

This filter narrows the list to banks in Norway starting with :letter to make searching quicker. The counts in the introduction still cover all banks in Norway and not only this selection.

Some banks appear under their legal name, which may start with words like Bank or Banco. The full overview for Norway is available when you cannot find the bank here.

The largest SWIFT network in Norway: Storebrand Kapitalforvaltning

Of all banks in Norway, Storebrand Kapitalforvaltning is listed with the most SWIFT codes. Its main office has STKTNOK1000.

A large number of codes usually means separate codes for branches, departments or services – it says nothing about the size of the bank as such. Unless a branch code is given, the head office code STKTNOK1000 works for a payment to Storebrand Kapitalforvaltning.

Receiving money in Norway from abroad

A sender in another country will ask for several details from you – incomplete details often cause delays. In practice that means: your full name as your bank knows it, your IBAN or account number, the BIC of your bank and usually your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. Certain sending banks may also ask for the name and address of your bank, so keep it at hand.

The amount you receive can be lower than what was sent. Fees for incoming transfers vary from bank to bank – your bank’s price list tells you what applies. Make clear with the sender who covers the fees before the money is sent.

How long does a transfer to Norway take?

There is no single delivery time for transfers to Norway: some arrive the same day or the next. Public holidays in either country can add extra days to the journey.

If a transfer is late, ask the sender to contact the sending bank for a trace. Money transfer services usually show a status in their app.

Bank or transfer service for Norway?

The price of a payment to Norway has several parts – not only the fee you see. Besides the fee, intermediary banks may deduct a charge and, if currencies are converted, the bank usually applies a rate below the real market rate.

That exchange rate margin tends to be the largest cost item because it is hidden in the rate. A simple test: put the offered rate next to the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the rate. GoldexPay compares transfer services next to each other, showing what actually arrives in Norway for the same amount sent.

Sending NOK to Norway

Norway uses the Norwegian Krone. When you pay money in a different currency, the amount gets converted at some point: by your bank, an intermediary or the receiving bank.

Where the conversion happens affects the final amount, since every bank sets its own rate. Check how much NOK the recipient gets with different services; the difference between options can be larger than you expect. On larger amounts, even a small difference in the rate adds up quickly.

Recognising a SWIFT code from Norway

Each SWIFT/BIC code consists of eight or eleven characters in a fixed order. It starts with a four-letter bank code, then two letters for the country and two characters for the location.

You can spot a code from Norway by the fifth and sixth characters – those always form the country code of Norway. Codes with other letters in that position come from a bank abroad.

When a code ends in XXX, it refers to the head office and the short version works just as well. Choose a branch code only when the recipient explicitly gives you one – otherwise stick with the head office.