Sparebank 1 Hallingdal SWIFT/BIC code

SWIFT/BIC code of Sparebank 1 Hallingdal

HAALNO21 and HAALNO21XXX are two spellings of the same SWIFT/BIC code, and both point to Sparebank 1 Hallingdal in Al. A SWIFT code shows every bank in the chain exactly which bank should receive the money. In practice you mostly see it on invoices from abroad, in payment forms and in the bank details that Sparebank 1 Hallingdal provides.

On this page you will find how the code is put together, when it matters and what else a transfer to or from Sparebank 1 Hallingdal requires. The SWIFT code on its own does not identify an individual account holder; that is what the IBAN or account number is for.

Getting paid from abroad into a Sparebank 1 Hallingdal account

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. Give them the account holder’s name, the IBAN or account number, the BIC HAALNO21XXX and your address.

The sender’s bank may request the bank address of Sparebank 1 Hallingdal; the head office in Al is usually fine. A mistake in your account number is harder to fix than it looks.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, Sparebank 1 Hallingdal may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Agree with the sender who covers the fees before the money is sent.

Before you send: check the Sparebank 1 Hallingdal code

Have the recipient send you their account details straight from a recent statement. If the code you have does not match HAALNO21 or HAALNO21XXX, do not guess – contact the recipient or Sparebank 1 Hallingdal.

Errors in the BIC tend to be annoying more than fatal. Remember the account number: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a name check before sending gives an extra layer of safety. A small test payment can be worth it for large sums.

8 or 11 characters: HAALNO21 versus HAALNO21XXX

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, characters five and six show the country and characters seven and eight mark the location. In this case, the 8-character core is HAALNO21.

The full version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office.

As a rule the code is written in capitals, without spaces or dashes. A wrong letter can send a payment to another bank.

Sending money abroad from Sparebank 1 Hallingdal

When you transfer money abroad from Sparebank 1 Hallingdal, the fee you see is only part of what you pay. You pay the transfer fee, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists these services side by side so you can see the amount the recipient gets before you commit. You can still use your account at Sparebank 1 Hallingdal; only the conversion and sending happen elsewhere.

Euro transfers to Sparebank 1 Hallingdal: is a BIC needed?

Norway belongs to the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need HAALNO21XXX when sending non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC anyway, entering HAALNO21 does no harm.

Instant euro transfers are widely available across SEPA; check with Sparebank 1 Hallingdal whether it applies to your account. Fees for SEPA transfers are generally low.

The Norwegian Krone and what conversion costs you

Most accounts at Sparebank 1 Hallingdal are typically held in NOK, the local currency of Norway. Money sent in a different currency is exchanged into NOK – and the bank that does it picks the rate. Every conversion eats into the amount, even when no fee is shown.

Who converts the money makes a difference. Sending the money directly in NOK often prevents a second conversion, provided the rate you get is fair.

Rates for NOK change during the day, and some providers let you lock in a rate. For recurring payments, a slightly better rate add up over a year.

Tracking a transfer to or from Sparebank 1 Hallingdal

There is no fixed answer for every transfer: some arrive the same day or the next, others take several business days. Weekends and public holidays in either country add a day or more. Compliance checks on larger or unusual payments can also add some delay, regardless of the details.

A growing number of banks use SWIFT gpi. Each gpi transfer gets a unique reference, the UETR. Keep your transfer receipt.

If the money does not arrive within the expected time, the sender should start with their own bank, not the receiving bank. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

Watch out for payment fraud

One of the most common tricks works like this: you receive a request saying that a supplier has new bank details and asking you to pay there from now on. That HAALNO21 is a real code is no guarantee that a request mentioning it is legitimate.

Verify changed bank details through a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of 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.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

About this information

We gather bank codes from public sources and check our list regularly. Still, banks merge or retire codes, so information can be out of date. Counts and locations are from our own dataset and are not confirmed by Sparebank 1 Hallingdal.

Treat this page as a reference, rather than as the final word. GoldexPay is a comparison site and not part of Sparebank 1 Hallingdal. Should you notice a mistake, we appreciate a message via the contact page.

Which of the 3 codes of Sparebank 1 Hallingdal do you need?

We have 3 SWIFT/BIC codes for Sparebank 1 Hallingdal in 3 places. Besides the head office code HAALNO21XXX, there are codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use HAALNO21XXX or its short form HAALNO21. If you have been given a branch code, stick to it rather than replacing it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to be retired than the head office code.