Skandinaviska Enskilda Banken SWIFT/BIC code

ESSENOKX – the SWIFT/BIC code of Skandinaviska Enskilda Banken

The short code ESSENOKX and the 11-character code ESSENOKXXXX identify the same bank: Skandinaviska Enskilda Banken in Oslo, Norway. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the right bank. In practice you usually see it on invoices from abroad, in your banking app and on the account details that Skandinaviska Enskilda Banken provides.

On this page you can read what the code means, when you need it and which other details a transfer to or from Skandinaviska Enskilda Banken requires. The BIC names an institution, not a specific account; the IBAN or account number does that.

Sending money abroad from Skandinaviska Enskilda Banken

An international bank payment can cost rather more than the listed fee. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup when the money is converted.

The markup on the rate tends to be the biggest cost. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. You can always keep your account at Skandinaviska Enskilda Banken.

8 or 11 characters: ESSENOKX versus ESSENOKXXXX

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, characters five and six show the country and characters seven and eight mark the location. That gives you ESSENOKX for Skandinaviska Enskilda Banken.

The long version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

Type the code in one piece, in capitals and without spaces, exactly as shown here. A wrong letter can send the money to a different institution.

Paying into Skandinaviska Enskilda Banken in NOK

Accounts at Skandinaviska Enskilda Banken are typically held in NOK, the local currency of Norway. When you pay another currency it has to be converted at some point – by your bank, by Skandinaviska Enskilda Banken or by a bank in between. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, since every bank sets its own rate. In many cases it is cheaper to send NOK directly via a transfer service with a good rate.

The NOK rate fluctuates constantly, so the amount you see is usually only valid for a short time. On larger amounts, a seemingly small gap in the rate adds up quickly.

Head office or branch code at Skandinaviska Enskilda Banken?

Our database contains 3 SWIFT/BIC codes for Skandinaviska Enskilda Banken. Next to the head office code ESSENOKXXXX, there are codes for regional offices and specialised units.

Usually there is no need to look up a branch: transfers addressed to ESSENOKXXXX reach Skandinaviska Enskilda Banken correctly. Only use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to change than the head office code.

When will the money arrive at Skandinaviska Enskilda Banken?

There is no single answer for every transfer: some arrive the same day or the next. Payments made late in the day or just before weekends and holidays often start the next business day. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer seems delayed, contact the sending bank for the status and the transaction reference. Money transfer services often provide tracking online so you can see how far the payment has got.

If a payment has not arrived after a few business days, the sender needs to contact the bank that sent it, not the receiving bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Incoming international payments to Skandinaviska Enskilda Banken

For an international payment into your account at Skandinaviska Enskilda Banken, the person paying you needs more than the SWIFT code. Give them your name as the bank knows it, the IBAN or account number, SWIFT code ESSENOKXXXX and your address.

You can add the bank name and Oslo as well, since some forms ask for it. Check each detail before you share them.

What lands in your account is often lower than the amount sent. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees, especially for larger amounts.

Watch out for payment fraud

One of the most common tricks works like this: an email arrives with a message saying that a contact now has a new bank account and that the next payment should go there. A correct SWIFT code tells you nothing about who owns the account.

Do not rely on contact details from the same email that announces the new account. Watch out for time pressure, odd spelling or an email address that differs by one letter. When a payment has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. Do not act before the money has really arrived.

Before you send: check the Skandinaviska Enskilda Banken code

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. Compare it with ESSENOKX on this page and ask if anything does not match.

An incorrect BIC can cause a delay, a returned payment or additional charges for investigation. A mistake in the IBAN or account number can be more serious because it can reach the wrong person; check it just as carefully.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. When you pay someone new, many people start with a small amount first and wait for confirmation.

Euro transfers to Skandinaviska Enskilda Banken: is a BIC needed?

Within the SEPA zone, euro transfers to Skandinaviska Enskilda Banken use the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

A SWIFT code like ESSENOKX does matter for payments in other currencies and when the money comes from outside SEPA. Some forms also ask for the BIC out of habit; in that case, fill in ESSENOKX.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, a SEPA transfer tends to be cheap; it is the conversion that costs money.

How up to date is this code?

Our SWIFT/BIC directory is based on public sources. It can happen that a code here is no longer current after a merger or reorganisation. Figures such as the number of codes come from our directory and are not confirmed by Skandinaviska Enskilda Banken.

See our directory here as a helpful check, and let the details from the recipient or Skandinaviska Enskilda Banken have the final say. GoldexPay is a comparison site for money transfers and not affiliated with Skandinaviska Enskilda Banken. Should you notice something that is out of date, we appreciate a message via the contact page.