SWIFT / BIC Code
RIKOEE22
SEPA MemberLuminor Bank Estonia
RIKOEE22 is the BIC (SWIFT code) of Luminor Bank AS, registered in Tallinn. It holds 2 bank codes, 17 among them; an IBAN at Luminor Bank Estonia carries its code in positions 5 to 6. Its IBANs are 20 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from Luminor Bank Estonia
Prefilled with an illustrative Luminor Bank Estonia IBAN, not a real account. Paste any IBAN from Estonia to check it.
BIC Breakdown
RIKO: institution identifier (4 letters)
EE: country code per ISO 3166-1
22: location code (city / timezone)
Bank Details
Payments it can receive
Luminor Bank Estonia's participation in the European payment schemes, from the EPC register of participants.
Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.
Sending money to an account at Luminor Bank Estonia?
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IBAN format for 🇪🇪 Estonia
Estonia IBANs are 20 characters long.
Frequently Asked Questions
What is the SWIFT code for Luminor Bank Estonia?
RIKOEE22. Written with the head-office branch code it is RIKOEE22XXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does RIKOEE22 mean?
"RIKO" identifies Luminor Bank Estonia, "EE" is the country code for Estonia, "22" is the location code.
What is Luminor Bank Estonia's bank code?
Luminor Bank Estonia holds 2 of them; 17 is one. The code sits in positions 5 to 6 of an IBAN from Estonia, so the IBAN itself shows which one an account uses.
How long are Luminor Bank Estonia IBANs?
20 characters, like every IBAN from Estonia: the country code EE, two check digits, the bank code (2 digits), the branch code (2 digits), the account number (11 digits) and the check (1 digit).
Can I send an instant transfer to Luminor Bank Estonia?
Yes. The European Payments Council lists Luminor Bank Estonia in SEPA Instant Credit Transfer since 31 August 2021, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does Luminor Bank Estonia confirm the payee's name?
Yes. It answers Verification of Payee requests (since 5 October 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.
Where is Luminor Bank Estonia's registered office?
Liivalaia TN 45, 10145 Tallinn, according to GLEIF. The European Payments Council lists Liivalaia 45, Tallinn as its address.