SWIFT / BIC Code
SBANFIHH
SEPA MemberS-Bank
SBANFIHH is the BIC (SWIFT code) of S-Pankki Oyj, registered in S-Ryhmä. It holds 2 bank codes, 36 among them; an IBAN at S-Bank carries its code in positions 5 to 6. Its IBANs are 18 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from S-Bank
Paste an IBAN from Finland to check its check digits and see which bank it belongs to.
BIC Breakdown
SBAN: institution identifier (4 letters)
FI: country code per ISO 3166-1
HH: location code (city / timezone)
Bank Details
Payments it can receive
S-Bank'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.
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IBAN format for 🇫🇮 Finland
Finland IBANs are 18 characters long.
Frequently Asked Questions
What is the SWIFT code for S-Bank?
SBANFIHH. Written with the head-office branch code it is SBANFIHHXXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does SBANFIHH mean?
"SBAN" identifies S-Bank, "FI" is the country code for Finland, "HH" is the location code.
What is S-Bank's bank code?
S-Bank holds 2 of them; 36 is one. The code sits in positions 5 to 6 of an IBAN from Finland, so the IBAN itself shows which one an account uses.
How long are S-Bank IBANs?
18 characters, like every IBAN from Finland: the country code FI, two check digits, the bank code (3 digits) and the account number (11 digits).
Can I send an instant transfer to S-Bank?
Yes. The European Payments Council lists S-Bank in SEPA Instant Credit Transfer since 10 February 2022, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does S-Bank confirm the payee's name?
Yes. It answers Verification of Payee requests (since 3 August 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 S-Bank's registered office?
PL 77, FI-00088 S-Ryhmä, according to GLEIF.