SWIFT/BIC codes in Slovakia

Slovakia: banks and their SWIFT/BIC codes

For Slovakia our database holds 122 SWIFT/BIC codes, spread over 83 banks. A SWIFT code shows every bank in the chain which institution is meant to get an international payment.

Search for the bank you need in the list and click through to see the full list of codes. Below the list we explain how a code from Slovakia is put together, how to send money to Slovakia at a fair price and what to check before you pay.

Receiving money in Slovakia from abroad

When you expect a payment from another country in Slovakia, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and sometimes your address.

Look up the bank in the list on this page to check its code. You can add your bank’s name and city, since some payment forms ask for it.

What lands in your account is often lower than the amount sent. Charges on incoming payments differ from bank to bank – your bank’s price list tells you what applies. For business payments, state who bears the costs, so nobody is left short.

Slovakia and the SEPA area

Since Slovakia is part of the SEPA zone, a euro payment to an account in Slovakia usually only needs the IBAN. Most banking apps no longer ask for the BIC in that case.

You will still need the BIC for payments in other currencies or money from outside the SEPA area. Instant euro transfers have become widely supported within SEPA – check whether your bank supports them. Provided the payment stays in euros, the transfer tends to be inexpensive.

When does money sent to Slovakia arrive?

There is no fixed delivery time for transfers to Slovakia: many arrive within a day while others need several business days. Transfers sent late in the day or on a weekend or public holiday often go out the next business day.

When a payment takes longer than expected, the sender should contact the sending bank – the receiving bank often cannot see a payment that has not arrived. Keep your transfer receipt until the recipient confirms – you will need it if something goes wrong.

Sending EUR to Slovakia

Most accounts in Slovakia are usually held in EUR – the Euro. If you send another currency, it gets converted somewhere along the way.

Where the conversion happens has an effect on the final amount. In many cases it is cheaper to send EUR directly via a provider that converts near the mid-market rate rather than letting the receiving bank convert. With bigger transfers, even a small gap in the rate adds up quickly.

The structure of a Slovakia SWIFT/BIC code

Every SWIFT/BIC code consists of eight or eleven characters. It starts with four letters for the bank, followed by a two-letter country code and a two-character location code.

Whatever the bank, all Slovakia codes share the same fifth and sixth letters: the ISO code of the country. When the country letters do not match Slovakia, you are looking at a bank in another country – worth double-checking.

The optional last three characters stand for a branch or department; XXX is used for the head office. Choose a branch code only if the recipient explicitly gives you one.

Most SWIFT codes in Slovakia: Prima Banka Slovensko, A.s.

Of all banks in Slovakia, Prima Banka Slovensko, A.s. has the most SWIFT codes. The head office uses KOMASK2XXXX, which is the code to use when no branch is specified.

How many codes a bank has tells you more about how it organises its payments than about how big it is. Making a payment to Prima Banka Slovensko, A.s.? Go with KOMASK2XXXX unless a specific branch code is requested.

Verifying a SWIFT code from Slovakia

The safest source for the BIC is the bank details provided by the recipient. A wrong code can cause delays, a payment being sent back or extra fees.

We collect bank codes using public sources and update our list regularly. Banks merge, close branches and retire codes, and no directory catches every change immediately. Use this list as a reference; the recipient’s bank details are leading. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers regularly use payment requests carrying changed bank details from what looks like a familiar address. Before paying, confirm changed details by phone.

The cheapest way to send money to Slovakia

An international bank payment to Slovakia often costs more than you think. You pay a transfer fee, possibly fees from correspondent banks along the way and, most importantly, the margin on the exchange rate if the money is converted.

The markup on the rate is often the largest cost item. An easy check: put the offered rate next to the mid-market rate and look at the difference.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares these providers next to each other, showing what actually arrives in Slovakia.