Swedbank AB SWIFT/BIC code

SWIFT/BIC code of Swedbank AB

FISANOKK and FISANOKKXXX are two spellings of the same bank identifier, and both point to Swedbank AB in Oslo. Every bank on the SWIFT network uses these codes to route payments between countries to the correct institution. In practice you usually come across the code on international invoices, in your banking app and on the account details of Swedbank AB customers.

We wrote this page to help people who receives money at an account at Swedbank AB. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

Watch out for payment fraud

Stay alert when someone suddenly wants you to send money to another account abroad. That FISANOKK is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Never trust contact details in the same message that contains the new account. Urgency or secrecy tend to be warning signs. If money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also target the receiver: someone sends more than agreed and asks you to refund the difference via a different route. A payment confirmation from the sender is no proof – check your own account.

Sending money abroad from Swedbank AB

An international bank payment costs more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may take a cut, and if currencies are converted, the bank often uses a rate below the real market rate.

Banks do not list their exchange rate markup as a cost – you only notice it if you compare. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares the amount that arrives across providers, so you can pick the cheapest route. You can still keep your account at Swedbank AB as the source of the money; only the conversion and sending happen elsewhere.

Verifying the SWIFT code of Swedbank AB

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. Check it with FISANOKK on this page; if they differ, ask before you pay.

Mistakes in the SWIFT code tend to be annoying more than fatal. Do not forget the account number: a mistake there is harder to correct than a wrong code.

Many banking apps validate the structure of IBANs and some suggest the matching BIC. Where available, a payee name check on the recipient adds an extra layer of safety. A small test payment is worth it for a large first payment, even if it costs an extra fee.

Incoming international payments to Swedbank AB

If you are waiting for a payment from another country, send the payer all details at once. What they need is: your name, account number or IBAN, FISANOKKXXX or FISANOKK and often your postal address.

It helps to add Swedbank AB and Oslo as well. A mistake in the IBAN can be harder to fix than you might think, so copy the details from your online banking.

Money from abroad will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. Agree with the sender who pays which costs before the money is sent.

Which of the 2 codes of Swedbank AB do you need?

We have 2 SWIFT/BIC codes for Swedbank AB, spread over 1 cities. Next to the head office code FISANOKKXXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code FISANOKKXXX works fine. A branch code only makes sense when the account holder explicitly asks for it.

The safest approach is to take the code straight from the account holder’s bank details. Branch codes can change when banks reorganise.

About this information

We gather bank codes from public sources and update them from time to time. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. The number of codes on this page are based on our own data and not on information from Swedbank AB itself.

For any payment of any size, check the BIC with Swedbank AB or the recipient. We are a comparison site and not part of Swedbank AB. If you notice a mistake, we appreciate a short note via the contact page.

What the XXX in FISANOKKXXX means

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. The result is FISANOKK.

XXX at the end of FISANOKKXXX does not stand for a placeholder or a mistake: it indicates the head office of Swedbank AB. Some forms insist on 11 characters, and then you can add XXX after FISANOKK.

Do not add spaces when you type FISANOKK or FISANOKKXXX. A wrong character may route a payment to another bank.

The Norwegian Krone and what conversion costs you

Most accounts at Swedbank AB are typically held in NOK, the local currency of Norway. When you pay another currency has to be converted somewhere along the way: by your bank, an intermediary or Swedbank AB itself. There is rarely a separate charge for that conversion.

Which bank converts the payment matters: every bank has its own margin. Transferring the money already in NOK often prevents an extra conversion by Swedbank AB – as long as your own rate is good.

The NOK rate fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, a small difference in the rate adds up quickly.

SEPA payments and the Swedbank AB BIC

Within the SEPA zone, euro transfers to an account in Norway follow the same rules and in most cases need only the IBAN. A field for the BIC is often optional for those payments.

For anything other than euros and from non-SEPA countries, FISANOKKXXX is still required. If a payment form asks for the BIC anyway, adding FISANOKK is fine.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low as long as everything stays in euros.

When will the money arrive at Swedbank AB?

A SWIFT payment usually needs one to a few business days. Payments made late in the day or on weekends and holidays often go out a business day later. Compliance checks on larger or unusual payments may also cause some delay, regardless of the details.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment has to be traced from the sending side, using the payment confirmation. On the receiving end, you can look at your account for a partial amount because fees can reduce the amount.