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Important information: Global banking industry change
During the weekend 18-19th of March the global banking industry will perform a planned change to the global cross-border payments infrastructure. It is an important change to modernise the payment infrastructure. In the event there are service disruptions during week 12 it may be due to this change. Together with the global banking industry, including more than 700 industry players, Nordea has prepared for this change to mitigate risks and ensure a smooth transition process. Read more.
Payments are a vital part of a company's activities with its customers and suppliers and the rapidly changing business environment calls for new methods of payment. By choosing us as your cash management partner, you will benefit from faster and efficient cross-border payments. You will also get access to a wide range of domestic and international payment services well adapted to your way of doing business, now as well as in the future.
Nordea complies with all applicable sanctions, laws and regulations. We want to ensure that our customers do the same. Due to the current sanctions regime and the restrictions in force, Nordea has stopped processing of payments to and from Russia and Belarus.
More available information about sanctions in relation to Russia here.
The Nordea Intercompany Payment is a cross-border payment between companies belonging to the same group and holding accounts with Nordea. The payment is unique as it enables you to move funds in Nordea currencies between your own accounts across borders with same day value. Funds in Nordea currencies are transferred with same day value if the payment order is received by the account-holding Nordea unit not later than at 15.30 CET. Benefits include improved liquidity management, fund transfers without loss of value days, convenient delivery times and funds available on the same business day.
The Nordea Payment is a fast cross-border payment between two companies holding accounts with Nordea. The Nordea Payment is unique as it enables you to transfer funds in Nordea currencies and make them available to the beneficiary's account the next business day, that is two, three or even more days earlier than an ordinary cross-border payment. You can make transfers with or without currency conversion. In order to secure correct value dating the local reporting time for making the Nordea payment should be observed. Benefits of Nordea Payment include improved liquidity management, funds are available on the next business day and fast payment for the price of an ordinary payment.
Request for Transfer is an instruction sent via the electronic banking system of the domestic bank to debit an account held with another bank. The request may include payment instructions, such as Intercompany payments, third party domestic or cross-border payments.
With Request for Transfer you can control your payments centrally. Via your own electronic banking system the solution offers one point of contact and simple access to all your accounts held abroad. Benefits include efficient liquidity management, a single delivery system, improved operating efficiency, cost-effective payment structure, optimised payment administration and late cut-off times and same day value.
When you choose Request for Transfer as a transaction method you have the following possibilities:
More information on cut-off times.
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Domestic payments |
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Payment types |
Comments |
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Transfer between own accounts in Nordea Denmark |
Instruction code: INTC is required. |
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Transfer of 3rd party within Nordea Denmark |
Instruction code: OTHR/DMST is required. |
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Transfer to other Danish banks with advice |
Instruction code: OTHR/DMST is required. |
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Salary transfer with advice |
Instruction code: OTHR/DMST is required. Transfer within Nordea Denmark or other Danish banks. |
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Domestic urgent payment to other Danish banks |
Instruction code: URGP is required. DKK only |
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Domestic intercompany payment to other Danish banks |
Instruction code: INTC is required. DKK |
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EUR, USD, GBP, CAD |
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Financial payment |
Instruction code: CORT is required. DKK |
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GBP |
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USD, EUR To be used only when the beneficiary is a bank. Also available as a cross-border payment. |
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Cross-border payments within Nordea |
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Payment types |
Comments |
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Nordea Intercompany Payment in EUR and USD |
Instruction code: INTC is required. |
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Nordea Intercompany Payment in other Nordea currencies |
Instruction code: INTC is required. Nordea currencies: DKK, EUR, GBP, NOK, SEK and USD |
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Cross-border payments outside Nordea |
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Payment types |
Comments |
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Ordinary payment (Transfer to the remitter's account outside the Nordea Group or other beneficiary) |
Instruction code: OTHR/Ordinary is required. |
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Intercompany payment cross-border |
Instruction code: INTC is required. |
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HUF, PLN, RUB, TRY |
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CZK |
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DKK |
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NOK |
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AED, AUD, HKD, HRK, ILS, ISK, KWD, NZD, RON, SAR, SGD, ZAR |
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CAD, GBP, SEK |
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CHF, JPY, MXN, RSD |
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EUR, USD |
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Other currencies |
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Urgent payment (Transfer to |
Instruction code: URGP is required. |
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HUF, PLN, TRY |
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CZK |
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DKK |
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NOK |
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AED, AUD, HKD, ILS, ISK, KWD, NZD, RON, SAR, SGD, ZAR |
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CAD, GBP, SEK |
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CHF, JPY, MXN, RSD |
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EUR, USD |
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Other currencies |
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Domestic payments |
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Payment type |
Comments |
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Ordinary Payment |
No instruction code required. |
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Urgent Payment |
Instruction code: URGP is required. |
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Intercompany Payment within Nordea, Finland |
Instruction code: INTC is required. |
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(1) The content of the payment order conforms to the regulations of the Single Euro Payments Area (SEPA) |
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*Not applicable |
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Cross-border payments within Nordea |
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Payment type |
Comments |
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Nordea payment |
No instruction code required. |
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Nordea Intercompany Payment |
Instruction code: INTC is required. |
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(2) Nordea currencies: DKK, EUR, GBP, NOK, SEK and USD |
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*Not applicable |
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Cross-border payments outside Nordea |
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Payment type |
Comments |
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Ordinary Payment |
No instruction code required. |
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Urgent Payment |
Instruction code: URGP is required. |
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Intercompany Payments (3) |
Instruction code: INTC is required. |
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PLN |
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CZK |
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DKK |
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NOK |
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CAD, GBP, SEK |
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EUR, USD |
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AED, AUD, CYP, HKD, HKD, HRK, HUF, ILS, ISK, KWD, MXN, NZD, SAR, SGD, SIT, THB, TRY, ZAR |
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CHF, JPY |
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Other currencies |
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(3) Agreement needed |
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*Not applicable |
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Domestic payments |
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Payment type |
Comments |
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Ordinary payment with KID (Customer Identification Code) |
No instruction code required. |
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Ordinary payment with advice |
No instruction code required. |
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Urgent payment |
Instruction code: URGP is required. |
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Intercompany payment within Nordea Norway (1) |
No instruction codes if payment is between own accounts with same company number. |
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Financial payments |
Instruction code: CORT is required. |
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(1) Agreement needed if the accounts do not belong to same company number. |
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Cross-border payments within Nordea |
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Payment type |
Comments |
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Nordea Ordinary Payment - with currency exchange |
No instruction code required. |
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Nordea currencies (2) |
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Other currencies |
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Nordea currencies (2) |
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Other countries |
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Nordea Urgent Payment |
Instruction code: URGP is required. |
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EUR, USD |
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GBP, CAD, SEK |
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NOK |
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DKK |
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CZK |
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PLN, HUF, TRY |
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Other currencies subject to separate agreement. |
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Nordea Intercompany |
Instruction code: INTC is required. |
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EUR, USD |
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Nordea currencies (2) |
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(2) Nordea currencies: DKK, EUR, GBP, NOK, SEK and USD |
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(3) Agreement needed |
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Cross-border payments outside Nordea |
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Payment type |
Comments |
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Ordinary payment
- with currency exchange |
No instruction code required. |
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EUR, USD, GBP, NOK |
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Other currencies |
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All currencies |
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Urgent payment |
Instruction code: URGP is required. |
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EUR, USD |
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GBP, CAD, SEK |
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NOK |
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DKK |
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CZK |
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PLN, HUF, TRY |
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Other currencies subject to separate agreement. |
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Intercompany payment (3) |
Instruction code: INTC is required. |
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Financial payment |
Instruction code: CORT is required. |
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EUR, USD |
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GBP, CAD, SEK |
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NOK |
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DKK |
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CZK |
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PLN, HUF, TRY |
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Other currencies subject to separate agreement. |
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(3) Agreement needed |
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Domestic payments |
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Payment type |
Comments |
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Payment in favour of bankgiro number (7-8 digits). |
Instruction code: OTHR/BANKGIRO is required. SEK only |
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Payment in favour of PlusGiro account (2-8 digits) |
No instruction code required. OCR payments 11:00 CET |
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Payment in favour of a Swedish account |
No instruction code required. |
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Intercompany payment within Nordea Bank Sweden |
Instruction code: INTC is required. |
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Cross-border payments within Nordea |
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Payment type |
Comments |
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Nordea Payment |
No instruction code required. |
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Nordea Intercompany Payment |
Instruction code: INTC is required. |
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Nordea currencies: DKK, EUR, GBP, NOK, and SEK |
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EUR, USD |
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(1) Cut-off time is applicable to straight-through payments |
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Cross-border payments outside Nordea |
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Payment type |
Comments |
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Ordinary |
No instruction code required. |
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Urgent |
Instruction code: URGP is required. |
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EUR, USD |
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CAD, GBP, SEK |
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NOK |
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DKK |
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CZK |
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HUF, PLN, TRY CHF, JPY, MXN |
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AED, AUD, HKD, ILS, KWD, NZD, SAR |
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SGD (no split and ccy exchange), ZAR |
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Other currencies |
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EU Payment |
No instruction code required. |
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Same-day-value and intercompany outside Nordea |
Instruction code: INTC for intercompany payments, CORT for financial payments. |
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EUR, USD |
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CAD, GBP, SEK |
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NOK |
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DKK |
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CZK, PLN |
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HUF, TRY CHF, JPY, MXN |
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AED, AUD, HKD, ILS, KWD, NZD, SAR |
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SGD (no split and ccy exchange), ZAR |
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Other currencies |
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(1) Cut-off time is applicable to straight-through payments |
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For Denmark, Norway and Sweden financial payments will be rejected after cut-off, latest at the end of the day. Ordinary payments may be rolled for three days (executing day + 2 days). This does not apply for Finland where all payments with insufficient cover will be rejected until the next banking day. It is at the Customer Responsible Unit's full discretion to reject a payment earlier than the above stated.
The following will apply if your payment is received on a banking/national holiday or after cut-off time.
Denmark: If we receive a MT101, where the cut-off time has been exceeded or on a banking/national holiday, the payment instruction will be rejected and a new one will have to be made. If a MT101 is received with an execution day in the future, the payment instruction will be stored until execution day and then processed.
Finland: If we receive a MT101 on a banking/national holiday, the payment instruction will be executed on the following banking day with that day’s value.
Norway: If we receive a MT101 on a banking/national holiday, the payment instruction will be executed on the following banking day with that day’s value.
Sweden: If we receive a MT101 on a banking/national holiday, the payment instruction will be executed on the following banking day with that day’s value. Please note that MT101s with instruction codes CORT (financial payment) or RTGS (urgent payment) will be rejected.
For payment instructions that do not meet the Payment requirements for straight-through processing an additional fee will be charged.
The charges are as follows:
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Denmark |
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Finland |
Contact your Nordea representative |
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Norway |
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Sweden |
Rejection handling is automated for the overall majority of transactions. Rejection procedure is being adhered to.
When you order a Request for Transfer, certain payment information is required. Nordea uses the SWIFT standard messages for FIN MT101 (Request for Transfer). If the required information is missing, the payment may be rejected.
In order to see the payment requirements in the different countries, please click the tabs below.
Instruction code (Field 23E)
The instruction code must be included when required. You will find the different instruction code in RfT payment types. If we receive a MT101 with no code in field 23E we will make either standard domestic or standard cross border payments. Other conditions must be correct. Only option 57A is allowed.
Debit account (Field 50H)
Debit account should be in Danish bank account format (minimum 14 digits) or IBAN - International Bank Account Number (18 digits).
For example BBAN format: 21410141123456.
The same in IBAN format: DK8320000141123456.
Account with Institution (Field 57A)
Use the BIC code/SWIFT address to indicate the beneficiary’s bank. BIC code /SWIFT address is preferred for most domestic payments. For Instructions with codeword URGP, CORT, and INTC - BIC Address is required. In case we send a MT103 to the receiving bank BIC address is required. For cross-border payments correct BIC code / SWIFT address must be present.
Beneficiary's account (Field 59)
Beneficiary’s account number, name, and address. Account numbers in all Danish banks are minimum 14 digits or IBAN (18 digits). IBAN (International Bank Account Number) is mandatory on cross border Payments within EU, EEA countries and Switzerland.
Remittance information (Field 70)
Details of the individual transaction to be transmitted to the beneficiary. If a FIK/Giro payment is ordered, Information in Field 70 has to be: /FIK/01 + giro number or /FIK/ 04, 71, 73, 75 + OCR line and creditor number.
Details of charges (Field 71A)
SHA is preferred. If the payment is to a PSD country. SHA is the only option accepted for domestic payments.
Regulatory Reporting (Field 77B)
Specifies codes for statutory and/or regulatory information required by the Central Bank. Nordea DK does not react upon codes from a MT101.
Instruction code (Field 23 E)
The instruction code must be included when required. You will find the different instruction code in RfT payment types
Debit account (Field 50H)
Debit account should be an IBAN - International Bank Account Number (18 digits).IBAN format: FI2112345600000785.
Account With Institution (Field 57A)
This field is used to indicate the beneficiary bank. Use the BIC code option 57A or national clearing code to indicate the beneficiary's bank. This ensures straight through processing and optimal routing of the payment. BIC code is recommended but not mandatory for payments to another financial institution within the Single Euro Payments Area (SEPA), including Finland. If the BIC of the beneficiary's bank is not given, Nordea will derive it from a valid IBAN.
Beneficiary's account (Field 59)
IBAN (International Bank Account Number) is mandatory for all EUR payments to EU and EEA countries in addition to Switzerland. For example: FI2112345600000785 - IBAN format.
Reference payments (Field 70)
Valid domestic reference number should be given in the first line of the Remittance Information (Field 70) pre-ceded with code either /RFB/ or /REF/. Only the reference number will be forwarded to beneficiary. For example: /RFB/12 34561.
Details of charges (71A)
SHA is preferred, but we accept OUR with certain exceptions. For SEPA payments SHA is mandatory.
Instruction code (Field 23E)
The instruction code must be included when required. You will find the different instruction code in RfT payment types.
Debit account (Field 50H)
Debit account should be in the Norwegian bank account format (11 digits BBAN) or International Bank Account Number IBAN (15 digits). For example BBAN format: 60055678910. The same in IBAN format: NO9960055678910
Account with Institution (Field 57A)
Use the BIC code/SWIFT address to indicate the beneficiary's bank. From 1 January 2007 use of BIC code/SWIFT address is mandatory for all EUR payments within EU, to EEA countries and to Switzerland.
Domestic payments: SWIFT address allowed for transactions via the domestic clearing. If SWIFT address and instruction code "URGP" are filled in, domestic transactions will be sent via SWIFT to the beneficiary’s bank if other than NDEANOKK. Name and address of beneficiary's bank are also allowed, but not mandatory if beneficiary's account number is given in Field 59.
Beneficiary's account (Field 59)
Beneficiary's account number, name and address. International Bank Account Number (IBAN) is mandatory for all EUR payments within EU, to EEA countries and to Switzerland.
Remittance information (Field 70)
Details of the individual transaction to be transmitted to the beneficiary. If details specify a Norwegian Customer Identification Code (KID), the field must state: /KID/xxxxxxxxxxxx.
If KID is correct, it will follow the transaction through the domestic clearing. If not, the KID will be deleted before the transaction is sent through the domestic clearing system. Please observe that some domestic payments require a Customer Identification Code. Mandatory for tax payments.
Instruction code (Field 23E)
The instruction code must be included when required. You will find the different instruction code in RfT payment types.
Debit account (Field 50H)
IBAN or BBAN and currency code is accepted when the debit account is in Nordea Bank Sweden. We prefer IBAN format.
Beneficiary's Bank
Use the BIC code and when requested the national clearing code to indicate the beneficiary's bank. This ensures straight through processing and optimal routing of the payment. For example: 57A: NDEASESSXXX, MIDLGB22 or 57: //SC402327
Beneficiary's account
IBAN number is required for payments initiated via MT101 to EU, to EEA countries and to Switzerland (incl. Sweden). For example: SE8830000000030011012345
Exception: There is no IBAN format for Swedish bankgiro numbers. Bankgiro number always contains always contain 7 or 8 digits formatted as: xxx-xxxx or xxxx-xxxx. SWIFT address should be stated as BGABSESS.
Remittance information
If payment is made to a bankgiro number or a PlusGiro account remittance information may contain 140 characters. Some PlusGiro accounts can only receive remittance information in OCR format. OCR is short for Optical Character Recognition, which allows the beneficiary automatic reconciliation. The OCR is usually between 8 and 30 digits.
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The following banks have BBAN account numbers containing 4 character clearing codes and 7 character account numbers: |
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| Bank | Clearing code |
| Nordea Bank Sweden |
1100-1199 NDEASESS |
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Danske Bank (Östgöta Enskilda Bank) |
1200-1399 DABASESX |
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Nordea Bank Sweden |
1400-1448 NDEASESS |
| Nordea Bank Sweden |
1449-1999 NDEASESS |
| Nordea Bank Sweden |
2000-2099 NDEASESS |
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Kaupthing Bank Sverige AB |
2300-2399 JPBKSESS |
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Nordea Bank Sweden (excl personkonto) |
3000-3399 NDEASESS |
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Länsförsäkringar WASA Bank Aktiebolag |
3400-3409 ELLFSESS |
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Nordea Bank Sweden |
3410-3999 NDEASESS |
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Nordea Bank Sweden |
4000-4999 NDEASESS |
| S.E.B. |
5000-5999 ESSESESS |
| Swedbank |
7000-7999 SWEDSESS |
| Länsförsäkringar WASA Bank Aktiebolag | 9020-9029 ELLFSESS |
| Okobanken | 9030-9039 OKOYSESX |
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Citibanken International Plc, Sweden Branch |
9040-9049 CITISESX |
| Danske Bank (former HSB Bank) |
9050-9059 no BIC code |
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Länsförsäkringar WASA Bank Aktiebolag |
9060-9069 ELLFSESS |
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Banque Indosuez Stockholm Branch |
9080-9089 BSUISESS |
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ABN AMRO BANK (Sweden) |
9090-9099 ABNASESS |
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Midland Bank Plc, Stockholm Branch |
9110-9119 MIDLSESX |
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S.E.B. |
9130-9149 ESSESESS |
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Dresdner Bank AG Stockholm Branch |
9125-9129 DRESSESX |
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S.E.B. |
9130-9149 ESSESESS |
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SkandiaBanken |
9150-9169 SKIASESS |
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IKANO Banken |
9170-9179 ? |
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DnB NOR Bank ASA, filial Sverige |
9190-9199 DNBASESX |
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Stadshypotek Bank |
9200-9209 via HANDSESS |
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Bank 2 Bankaktiebolag |
9230-9239 no BIC code |
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SBAB |
9250-9259 ? |
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DnB NOR Bank ASA, filial Sverige |
9260-9269 ? |
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ICA Banken AB |
9270-9279 ? |
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Resurs Bank |
9280-9289 ? |
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Forex Bank |
9400-9449 ? |
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Sampo Bank Abp Finland, filial Stockholm |
9450-9459 ? |
| GE Money Bank |
9460-9469 |
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The clearing number is not included i n the following account numbers: |
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| Bank | Clearing code |
| Nordea personkonto | 3300 |
| Handelsbanken | 6xxx |
| FöreningsSparbanken | 8xxx |
| Danske Bank | 9180-9189 |
| Nordea/Plusgirot | 9500-9549 / 9960-9969 |
The following banks have BBAN account numbers containing 10 characters:
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The following bank has account numbers (BBAN) containing 4 character clearing codes and 9 character account numbers: |
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| Bank |
Clearing code |
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Handelsbanken |
6000-6999 HANDSESS |
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The following bank has account numbers (BBAN) containing 5 character clearing codes and up to 10 character account numbers: |
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| Bank | Clearing code |
| FöreningsSparbanken (If the account number has less than 15 characters, please fill in with zeros after the five character clearing code so that there are 15 characters in total: Ex 80003562355 is stated as 800030000562355) |
8000x SWEDSESS |
For more information about how we can support your business contact your Nordea adviser.