H and M Hennes and Mauritz Gbc AB SWIFT/BIC code

H and M Hennes and Mauritz Gbc AB SWIFT code: HMHMSESS

The short code HMHMSESS and the 11-character code HMHMSESSXXX refer to one and the same institution: H and M Hennes and Mauritz Gbc AB, with its head office in Stockholm. A SWIFT code shows every bank in the chain which institution should receive the money, a bit like a postal address for banks. In daily life you usually come across the code on international invoices, in your banking app and in the bank details of H and M Hennes and Mauritz Gbc AB customers.

On this page you will find how the code means, when you need it and what else you need for a transfer to or from H and M Hennes and Mauritz Gbc AB. The SWIFT code on its own does not identify an individual account holder; for that you need the account number or IBAN is for.

Swedish Krona (SEK) and conversion costs

Accounts at H and M Hennes and Mauritz Gbc AB are typically held in SEK, the local currency of Sweden. When you pay another currency, the amount has to be converted at some point. You rarely see a separate charge for the conversion; it is built into the rate.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Check what SEK arrives via several providers before choosing one.

The rate for SEK changes constantly. With bigger transfers, a seemingly small difference in the rate adds up quickly.

How up to date is this code?

We collect bank codes from public sources and check them regularly. Banks merge, close branches and change codes, and a directory never catches every change immediately. The number of codes on this page reflect what is in our directory and not on information from H and M Hennes and Mauritz Gbc AB itself.

See the information here as a helpful check and rely on the recipient or H and M Hennes and Mauritz Gbc AB for the final confirmation. GoldexPay is independent of H and M Hennes and Mauritz Gbc AB, we only compare transfer services. Should you notice a mistake, we welcome a message.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a message saying that a company has new bank details and that the next payment should go there. That HMHMSESS is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Do not trust contact details from the same email that announces the new account. Watch out for urgent requests, odd spelling or an email address that differs by one letter. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference abroad. Wait until the money is actually in your account – ask H and M Hennes and Mauritz Gbc AB if something looks wrong.

Tracking a transfer to or from H and M Hennes and Mauritz Gbc AB

An international transfer typically needs one to a few business days. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Occasionally a bank wants to know what the payment is for, which can hold things up.

If a transfer is delayed, contact the sending bank about the status or the UETR; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the person who paid should contact their own bank. On the receiving end, you can check your statements for a partial amount, since fees may have been deducted.

Sending money abroad from H and M Hennes and Mauritz Gbc AB

The price of an international transfer has several parts – not just the fee on your screen. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Many banks rarely show their exchange rate markup separately – you only notice it if you compare. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Money transfer services often offer a rate near the mid-market rate with clearer fees. Before your next transfer, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. You can still use your account at H and M Hennes and Mauritz Gbc AB as the source of the money, while a cheaper service handles the conversion.

Head office or branch code at H and M Hennes and Mauritz Gbc AB?

Having 2 codes in 1 locations, H and M Hennes and Mauritz Gbc AB belongs to the banks that use individual codes for branches and departments. The head office code is HMHMSESSXXX.

For most payments to a private or business account, the head office code HMHMSESSXXX is what you need. If you have been given a specific code, use it as it is rather than replacing it with the head office code.

Not sure which code to use? Check with the recipient, or look at a recent statement from H and M Hennes and Mauritz Gbc AB. Branch codes can change over time, so do not rely on old paperwork.

Do you need HMHMSESS for a SEPA transfer?

Sweden belongs to the SEPA area. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. If your banking app has a field for the BIC regardless, entering HMHMSESS does no harm.

Instant payments in euros are increasingly supported within SEPA. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

Receiving money from abroad at H and M Hennes and Mauritz Gbc AB

When you expect money from abroad, give the sender all details at once. What they need is: your name, IBAN or account number, HMHMSESSXXX or HMHMSESS and in many cases your home address.

Certain sending banks want the bank’s address; it does no harm to include it. Check the details before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Fees for incoming transfers differ from bank to bank – the price list of H and M Hennes and Mauritz Gbc AB tells you what applies. On invoices, you can agree how the fees are split to avoid a shortfall.

Verifying the SWIFT code of H and M Hennes and Mauritz Gbc AB

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. When the code you were given differs from HMHMSESS or HMHMSESSXXX, do not guess – contact the recipient or H and M Hennes and Mauritz Gbc AB.

Errors in the SWIFT code are costly rather than disastrous: often the payment comes back, minus fees. Remember the IBAN: a mistake there is harder to correct than a wrong code.

An automatic check by your bank only tells you that the code is valid, not that it is the right account. More and more banks check the payee name with the account before you confirm. When you pay someone new, many people start with a small test amount before sending the rest.

What the XXX in HMHMSESSXXX means

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. That gives you HMHMSESS for H and M Hennes and Mauritz Gbc AB.

XXX at the end of HMHMSESSXXX does not stand for a placeholder or an error: it indicates the head office of H and M Hennes and Mauritz Gbc AB. Some banking apps insist on 11 characters, in which case you can enter XXX after HMHMSESS.

Leave out spaces or dashes when you enter HMHMSESS or HMHMSESSXXX. A wrong character may route a payment to another bank.