SWIFT/BIC codes in Sweden: banks starting with L

Finding a SWIFT code in Sweden

Our directory covers 421 banks and other institutions in Sweden and 523 SWIFT/BIC codes between them. Each code points to a bank or one of its branches and tells other banks where an international payment should go.

Select a bank below to see its head office code and any branch codes, plus practical notes for sending and receiving money. The sections below covers how the codes work, what transfers cost and how to avoid mistakes before you send money.

What the letters in a Sweden BIC mean

A SWIFT code is 8 or 11 characters long. First comes a four-letter bank code, then a two-letter country code and a two-character location code.

You can spot a code from Sweden by the fifth and sixth characters. If those two letters point to another country, you are looking at a bank in another country – worth double-checking.

When a code ends in XXX, it refers to the head office. In most cases the head office code is fine unless the recipient asks for a specific branch.

The cheapest way to send money to Sweden

An international bank payment to Sweden often costs rather more than you think. Besides the fee, intermediary banks may take a cut, and when the money is converted the bank usually applies a less favourable rate than the real market rate.

The markup on the rate tends to be the largest part of the cost because it is hidden in the rate. A simple test: put the offered rate next to the mid-market rate and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay lists transfer services side by side, showing what actually arrives in Sweden for the same amount sent.

Tracking a payment to Sweden

There is no fixed answer for transfers to Sweden: some arrive within a day while others need several business days. Bank holidays in Sweden or in the sending country add a day or more.

When a payment takes longer than expected, ask the sender to contact the sending bank for a trace; only the sending side can start an official trace. Save the payment confirmation until the recipient confirms; a bank needs it to start a trace.

Sweden and the Swedish Krona

Sweden pays in the Swedish Krona (SEK). A payment in a foreign currency will be exchanged into SEK before it reaches the account.

Who does the conversion has an effect on the final amount. Check what SEK the recipient gets via several services. Exchange rates move all the time – some providers let you lock in a rate.

Receiving money in Sweden from abroad

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC of your bank and usually your address.

Look up your bank in the list on this page to check its code, but take the code from your own bank details when in doubt. It helps to include the name and city of your bank.

What lands in your account is often lower than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate applies. On invoices, agree who bears the costs, so nobody is left short.

Which bank in Sweden has the most codes?

Of the 421 banks we list for Sweden, Nasdaq Omx Broker Services Aktiebolag has the largest number of codes. Its head office code is OMBSSESSXXX, which is the code to use when no branch is specified.

Many codes usually means separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Making a payment to Nasdaq Omx Broker Services Aktiebolag? Use OMBSSESSXXX unless a specific branch code is requested.

SEPA transfers to Sweden

Inside SEPA, euro payments to Sweden follow common rules, so the IBAN does the job in most cases. A field for the BIC is often optional in that case.

You still need a SWIFT code when sending payments in other currencies or money from outside the SEPA area. Euro payments within SEPA normally land within one business day. Fees are generally low as long as no currency is converted – conversion is what costs money.

How reliable is this list?

Have the recipient send you the account details straight from their banking app. A wrong code may lead to delays, a payment being sent back or additional charges, so compare it with the list on this page.

The directory on GoldexPay is compiled from public sources. Still, banks merge or retire codes. Treat our data as a starting point rather than the last word. GoldexPay is not a bank and is not affiliated with the banks listed.

Be wary of invoices containing a new account, especially when they come by email. A valid BIC tells you nothing about who owns the account: criminals use real codes too.

Banks in Sweden beginning with the letter :letter

This page shows only the banks in Sweden beginning with :letter, sorted alphabetically. The figures for Sweden on this page cover all 421 banks and not only this letter.

If a bank is missing under :letter, try the full list: banks are often registered under their full legal name. Use the full list for Sweden if you are not sure the exact name.