Sparebank 1 Smn SWIFT/BIC code

Sparebank 1 Smn SWIFT code: SPTRNO22

If an invoice shows SPTRNO22 or SPTRNO22XXX, you are looking at the identical address for Sparebank 1 Smn in Norway. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, a bit like a postal address for banks. In daily life you usually see it on invoices from abroad, in your banking app and on the account details of Sparebank 1 Smn customers.

On this page you can read what the code means, when it matters and what else you need for a transfer to or from Sparebank 1 Smn. The SWIFT code on its own does not identify an individual account holder; that is what the IBAN or account number .

Before you send: check the Sparebank 1 Smn code

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare that code with SPTRNO22 here; if they differ, ask before you pay.

If the code is wrong, the transfer may get stuck, be returned or cost extra. Remember the IBAN: an error there is more difficult to undo than a wrong BIC.

An automatic check in your banking app merely confirms that the IBAN exists, not that it is the right account. If your bank offers it, a name check before sending adds an extra layer of safety. Sending a small amount first is worth it for a large first payment, even if it costs an extra fee.

Which of the 2 codes of Sparebank 1 Smn do you need?

Having 2 codes, Sparebank 1 Smn is one of the banks that register individual codes for branches. The main code is SPTRNO22XXX.

For most incoming transfers, the head office code SPTRNO22XXX works fine. Only use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more prone to change than SPTRNO22XXX.

Do you need SPTRNO22 for a SEPA transfer?

Norway belongs to the SEPA area. For a standard euro transfer from another SEPA country, you normally only need the IBAN.

For anything other than euros and for senders outside SEPA, SPTRNO22XXX is still required. A few banks and apps still show a field for the BIC out of habit; if so, fill in SPTRNO22 or SPTRNO22XXX.

Instant euro transfers have become increasingly supported within SEPA. Charges on SEPA transfers are generally low as long as everything stays in euros.

Paying into Sparebank 1 Smn in NOK

Most accounts at Sparebank 1 Smn are typically held in NOK, the local currency. A payment in a foreign currency is exchanged into NOK. Each conversion eats into something.

Who does the conversion affects the final amount. In many cases you pay less if you send NOK directly through a provider that converts near the mid-market rate.

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

How up to date is this code?

We gather bank codes from public sources and check them regularly. Institutions merge, close branches and change codes, and a directory never catches every change immediately. The number of codes on this page are based on what is in our directory and not on information from Sparebank 1 Smn itself.

See the information on this page as a handy check. We are an independent comparison site and not affiliated with Sparebank 1 Smn. Spotted outdated information? Tell us through the contact page.

What to give a sender who pays you at Sparebank 1 Smn

When you expect money from abroad, send the payer all details at once. Share your name as the bank knows it, your account number or IBAN, SWIFT code SPTRNO22XXX and your address.

The sender’s bank might also ask for the address of your bank; the head office in Trondheim is usually fine. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

Money from abroad will not always land for the full amount. Charges on incoming payments vary from bank to bank; check the price list of Sparebank 1 Smn. Make clear with the sender who pays which costs, especially for larger amounts.

Tracking a transfer to or from Sparebank 1 Smn

How fast a transfer reaches Sparebank 1 Smn is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks by one of the banks may also cause a delay.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often show a status in their app so you can see how far the payment has got.

If a payment has not arrived after a few business days, the person who paid should contact their own bank, not the receiving bank. On the receiving end, you can look at your account to see a slightly lower amount because fees can reduce the amount.

8 or 11 characters: SPTRNO22 versus SPTRNO22XXX

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. The result is SPTRNO22, the short form of the code.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office.

In practice the code is typed in capitals, without spaces or dashes. A wrong character may route a payment to another bank, so check it twice.

Watch out for payment fraud

A common scam works like this: you receive a request saying that a company now has new bank details. That SPTRNO22 is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Verify new bank details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Urgency or secrecy tend to be warning signs; a genuine business can wait for you to check. Already paid? Call the bank you paid from straight away and ask them to start a recall.

Scams can also work the other way. Someone sends more than agreed and asks you to return the difference to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Sending money abroad from Sparebank 1 Smn

The price of an international transfer has several parts – not just the fee on your screen. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

Many banks do not show their exchange rate markup separately – you only notice it if you compare. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists these services next to each other, showing what actually arrives for the same amount sent. You can still keep your account at Sparebank 1 Smn as the source of the money; only the conversion and sending happen elsewhere.