SWIFT/BIC codes in Sweden: banks starting with Z

SWIFT/BIC codes in Sweden

This directory contains 421 banks and financial institutions in Sweden and 523 SWIFT/BIC codes between them. A BIC tells every bank in the chain which institution should receive an international payment.

Every bank has its own page with the head office code and if there are any, codes for branches and departments. Below the list 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.

SEPA transfers to Sweden

Since Sweden is part of the SEPA zone, a euro transfer to a bank in Sweden usually requires just an IBAN. Most banking apps no longer ask for the BIC for these payments.

You still need a SWIFT code when sending non-euro payments or money from outside the SEPA area. Instant payments in euros have become increasingly supported across SEPA – check whether your bank supports them. Fees are generally low provided no currency is converted – conversion is what costs money.

Sweden and the Swedish Krona

Sweden pays in the Swedish Krona, with the currency code SEK. When you pay another currency, the amount has to be converted somewhere along the way.

Where the conversion happens affects the final amount. In many cases it is cheaper to send SEK directly through a transfer service that converts near the mid-market rate so the receiving bank does not need to convert again. With bigger transfers, even a small gap in the rate can be worth more than the fee.

About our data and how to check a code

The safest source for a SWIFT code is the bank details provided by the recipient. When the code you were given does not match the code listed here, do not guess – contact the recipient or their bank.

We collect bank codes using public sources and check our list from time to time. Banks reorganise, change names and change codes. For a payment of any size, check the code with the recipient’s bank. GoldexPay is an independent comparison site and has no link to the banks in this list.

Fraudsters often use payment requests with changed bank details. A valid BIC tells you nothing about whether a request is genuine.

Filter: banks in Sweden with :letter

This page only shows the banks in Sweden beginning with :letter in alphabetical order. The figures for Sweden on this page cover all 421 banks, not just the ones under :letter.

Some banks appear under their official name rather than the name on their app or website, so the letter can differ from what you expect. Try the full list for Sweden if you are not sure the exact name.

Bank or transfer service for Sweden?

The price of a transfer to Sweden has more than one component, and the fee on your screen is only one of them. There is the transfer fee, sometimes fees from correspondent banks and, most importantly, the margin on the exchange rate if the money is converted.

The real cost is often in the rate, rather than in the fee: banks convert at a rate with a margin built in. Compare the bank’s rate with the mid-market rate that you find on financial sites. The difference is your real cost.

Specialised transfer providers frequently use rates closer to the mid-market rate. GoldexPay compares what recipients in Sweden receive across providers, so you can pick the cheapest route.

Transfer times to Sweden

How fast a payment reaches Sweden depends on several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Public holidays in either country can add a day or more, because banks do not process payments on those days.

When a payment takes longer than expected, ask the sender to contact the sending bank for a trace – the receiving bank often cannot see a payment that has not arrived. Keep the payment confirmation until the recipient confirms.

How SWIFT codes from Sweden are built

A SWIFT code is 8 or 11 characters long and follows a fixed pattern. Characters one to four stand for the bank, the fifth and sixth characters are the country code and the next two mark the location.

In every code from Sweden, letters five and six are the ISO country code of Sweden – that is the quickest way to spot one. When those two letters do not match Sweden, the code belongs to a bank somewhere else – worth double-checking.

If the last three are XXX, it refers to the main office. Choose a branch code only when the recipient’s bank asks for it – otherwise stick with the head office.

Incoming international payments in Sweden

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. That means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and sometimes your address.

The code of your bank appears in our list but always compare it with your own bank details. Certain sending banks also want the name and address of your bank, so keep it at hand.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank; check the price list of your bank. Make clear with the sender who pays which costs before the money is sent.

Nasdaq Omx Broker Services Aktiebolag and its SWIFT codes

Of the 421 banks we list for Sweden, Nasdaq Omx Broker Services Aktiebolag has the most codes. Its head office code is OMBSSESSXXX – the code most transfers need.

Many codes often reflects that the bank registers branches and departments separately – it says nothing about the size of the bank as such. If not a branch code is given, the head office code OMBSSESSXXX works for a payment to Nasdaq Omx Broker Services Aktiebolag.