SWIFT/BIC codes in Sweden: banks starting with N

Finding a SWIFT code in Sweden

Here you will find codes for 421 banks in Sweden. A SWIFT code shows every bank in the chain exactly which bank should receive the money.

Search for the recipient’s bank below and open its page for all codes we have and what else a transfer requires. Below the list we explain how codes from Sweden are built, how to send money there without overpaying and how to check a code before you pay.

The Swedish Krona (SEK) and conversion costs

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

Which bank converts the payment matters, because each party uses its own rate. Check how much SEK arrives with different providers. Rates for SEK move all the time.

Incoming international payments in Sweden

If you expect a payment from another country in Sweden, send the payer all details at once. Give them your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Your bank’s code is in the list on this page. It helps to include the name and city of your bank because some forms have separate fields for it.

The amount you receive is often lower than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. On invoices, agree who bears the costs to avoid a shortfall.

The structure of a Sweden SWIFT/BIC code

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

In every code from Sweden, letters five and six show the ISO country code of Sweden – that is the quickest way to spot one. A code with a different country code belong to another country – a quick way to catch mistakes.

If the last three are XXX, it refers to the main office, and the 8-character version leads to the same place. Choose a branch code only when the recipient explicitly gives you one – otherwise stick with the head office.

How reliable is this list?

The most reliable place for the right code remains a document from the bank itself. If the code you have differs from the code listed here, do not guess: check with the recipient or the bank.

This list is compiled from publicly available sources. Banks reorganise, close branches and change codes – a directory can be a step behind. Use this list as a reference. GoldexPay is not a bank and has no link to the banks in this list.

Fraudsters often send payment requests with changed bank details from what looks like a familiar address. Always confirm a change of bank details by phone, using a number you already had.

Paying in euros to Sweden

Sweden is a member of the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, the IBAN is usually enough.

You still need a SWIFT code when sending payments in other currencies or money from outside the SEPA area. Instant euro transfers are increasingly supported within SEPA, though not every bank offers them for every account. Costs stay low provided no currency is converted; the conversion is where it gets expensive.

Filter: banks in Sweden with :letter

This page only shows banks in Sweden beginning with :letter. The counts in the introduction always refer to all banks in Sweden.

If a bank is missing under :letter, check the full list: banks are often registered under their full legal name. The complete list is one click away when you cannot find the bank here.

How long does a transfer to Sweden take?

How fast a payment arrives in Sweden depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or just before weekends and holidays usually start a business day later.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which the sending bank can use to trace it. Save the payment confirmation until the money has arrived; a bank needs it to start a trace.

The largest SWIFT network in Sweden: Nasdaq Omx Broker Services Aktiebolag

Of the 421 banks in Sweden, Nasdaq Omx Broker Services Aktiebolag has the most codes. Its head office code is OMBSSESSXXX, which is the code to use when no branch is specified.

A large number of codes usually reflects separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Paying someone at Nasdaq Omx Broker Services Aktiebolag? Use OMBSSESSXXX except when a specific branch code is requested.

What a transfer to Sweden really costs

If you transfer money to Sweden with a regular bank, the fee you see is rarely all of what you pay. On top of the fee, intermediary banks can take a cut, and when the money is converted the bank often applies a rate below the real market rate.

The real cost is often in the rate, not in the fee. Compare the rate you are offered with the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer. GoldexPay compares transfer services side by side, showing the amount that reaches the recipient for the same amount sent.