Sunflower Bank N.a. SWIFT/BIC code

Sunflower Bank N.a. SWIFT code: NBFTUS31

NBFTUS31 and NBFTUS31XXX are two spellings of the same SWIFT/BIC code, and both point to Sunflower Bank N.a. in Salina,ks. A BIC does one job: it makes sure that an international payment ends up at the right bank. In practice you mostly come across it on international invoices, in your banking app and in the bank details of Sunflower Bank N.a. customers.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you confirm a payment. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN .

About this information

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Banks merge, change names and change codes. The number of codes we show are based on what is in our directory.

Treat this page as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is independent of Sunflower Bank N.a.. If you notice something that is out of date, we appreciate a message.

When will the money arrive at Sunflower Bank N.a.?

How fast a payment arrives at Sunflower Bank N.a. is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add a day or more. Sometimes a bank wants to know about the purpose of a payment.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR. Keep your transfer receipt – you will need it for any trace request.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

US Dollar (USD) and conversion costs

The local currency in United States is the US Dollar (USD). When you pay money in a different currency has to be converted somewhere along the way: by your bank, an intermediary or Sunflower Bank N.a. itself. Every conversion eats into the amount, even when no fee is shown.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Compare how much USD the recipient gets via different services.

Exchange rates change all the time – some services let you fix a rate in advance. If you pay regularly, small differences in the rate add up over time.

8 or 11 characters: NBFTUS31 versus NBFTUS31XXX

A BIC is made up of fixed blocks: characters one to four identify the bank, characters five and six show the country and the two after that indicate the location. In this case, that core is NBFTUS31.

The long version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office.

Enter the code as one block, in upper case and without spaces. A wrong letter may route the money to another bank.

Choosing between the 2 SWIFT codes of Sunflower Bank N.a.

Having 2 codes, Sunflower Bank N.a. is one of the banks that register individual codes for branches. The main code remains NBFTUS31XXX.

If nobody asks you for a branch code, go with NBFTUS31XXX. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest approach is to take the code directly from the recipient’s bank details. Codes for branches are more likely to change than NBFTUS31XXX when a bank merges or closes offices.

Getting paid from abroad into a Sunflower Bank N.a. account

If you expect money from abroad, give the sender a complete set of details. The basics are: the account holder’s name, IBAN or account number, NBFTUS31XXX or NBFTUS31 and often your home address.

Certain banks want the name and address of Sunflower Bank N.a., so keep it at hand. A typo in the IBAN can be more trouble than you might think.

The amount you receive is often less than what was sent. Correspondent banks can take a fee, Sunflower Bank N.a. may charge for incoming payments, and if the currency changes, an exchange rate margin applies. On invoices, it is common to agree how the fees are split.

International transfers from Sunflower Bank N.a.: the real cost

What you pay for a payment abroad is made up of more than one component. On top of the transfer fee, banks in between can take a cut, and when the money changes currency, the bank usually applies a rate below the actual market rate.

The markup on the rate is often the biggest item, and it is easy to miss. Check the rate you are offered with the mid-market rate.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets before you commit. Choosing a specialist does not require closing your account at Sunflower Bank N.a.: you simply pay the service from your account.

Changed bank details? Be careful

Scammers regularly use payment requests with new bank details sent from what looks like a familiar address. The fact that NBFTUS31 exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Do not rely on contact details in the same message that announces the change. Pressure or requests to keep it quiet tend to be warning signs. Acted too fast? Call your bank without delay and ask them to try to recall the payment and report the fraud.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference to another account. Do not act before the money is actually in your account.

Verifying the SWIFT code of Sunflower Bank N.a.

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have differs from NBFTUS31 or NBFTUS31XXX, do not guess: check with the recipient or with Sunflower Bank N.a. directly.

Errors in the BIC tend to be annoying more than fatal – usually the money comes back, minus fees and time lost. An error in the account number can be a bigger problem; check it just as carefully.

A format check by your bank only tells you that the code is valid – not that it belongs to the person you mean to pay. Some banks now compare the name against the account before you confirm; take any warning seriously. When you pay someone new, many people start with a small test amount.