SWIFT/BIC codes in Sweden: banks starting with T

Bank SWIFT codes for Sweden

On this page you find the SWIFT/BIC codes of 421 banks in Sweden – 523 codes altogether. Every code points to a bank or one of its branches and tells other banks where an international payment should go.

Every bank has its own page with its main code and, where available, branch codes. Further down you can read how a code from Sweden is put together, how to send money to Sweden at a fair price and how to check a code before you pay.

Sending SEK to Sweden

The local currency of Sweden is the Swedish Krona (SEK). Money sent in a different currency will be exchanged into SEK – and the bank that does it picks the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Often you pay less to send SEK straight away through a provider with a good rate. On larger amounts, even a small difference in the rate can be worth more than the fee.

Recognising a SWIFT code from Sweden

Every SWIFT/BIC code consists of 8 or 11 characters in a fixed order. The first four letters identify the bank, the fifth and sixth characters form the country code and the next two mark the location.

In every code from Sweden, characters five and six show the ISO country code of Sweden. A code with other letters in that position belong to a bank abroad, even if the bank name looks familiar.

The long version adds three characters for a branch, where XXX means the head office. Choose a branch code just when the recipient explicitly gives you one – otherwise stick with the head office.

Incoming international payments in Sweden

For a transfer from abroad into a Sweden account, the person paying you has to have not just the BIC. Share the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up the bank in the list above and compare the code with your own bank details. Certain banks also want the name and address of your bank; it does no harm to include it.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments vary per bank. On invoices, agree who bears the costs, so nobody is left short.

Check the code before you pay

Have the recipient send you the account details directly from their online banking. A wrong code can cause delays, a returned payment or additional charges.

The directory on GoldexPay draws on public sources. Still, banks merge or retire codes. Treat our data as a reference, not as the final word. GoldexPay is not a bank and is not affiliated with the banks listed.

Fraudsters often send payment requests carrying new bank details from what looks like a familiar address. Always confirm a change of bank details through a separate channel, using a number you already had.

Banks in Sweden beginning with the letter :letter

The letter filter narrows the list to banks in Sweden starting with :letter. The counts in the introduction still cover all banks in Sweden, not just this letter.

Bank not listed? Its official name may begin with another word. The complete list remains one click away when you cannot find the bank here.

Most SWIFT codes in Sweden: Nasdaq Omx Broker Services Aktiebolag

Of the 421 banks we list for 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.

Practice differs in whether they register branch codes – a high count is not a measure of size. If not a branch code is given, the head office code OMBSSESSXXX works for transfers to this bank.

Transfer times to Sweden

There is no fixed answer for transfers to Sweden: some arrive within a day, others take several business days. Transfers sent after the cut-off time or on weekends and holidays usually go out a business day later.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR. Specialist transfer services often show a status in their app.

Euro payments to Sweden: is a BIC needed?

Inside SEPA, euro payments to Sweden follow the same rules. A field for the BIC is often optional in that case.

A SWIFT code still come into play when the currency is not euros and for transfers from outside SEPA. Instant euro transfers have become widely available across SEPA, though not every bank offers them for every account. Fees are generally low provided no currency is converted; the conversion is where it gets expensive.

Bank or transfer service for Sweden?

What you pay for a payment to Sweden has several parts, and the fee on your screen is only one of them. On top of a fixed fee, correspondent banks may take a cut, and when the money is converted the bank usually uses a rate below the actual market rate.

That exchange rate margin is often the biggest part of the cost. Check the bank’s rate with the mid-market rate. The difference is your real cost.

Money transfer services frequently offer a rate near the mid-market rate with clearer fees. GoldexPay lists these providers next to each other, showing what actually arrives in Sweden for the same amount sent.