- BIC, 8 characters
- RIKOEE22
- BIC, 11 characters
- RIKOEE22XXX
- Country
- Estonia
- Address
- 45, Liivalaia Tallinn 10145 Estonia
Source: ISO 9362 BIC registry, head-office codes only, no branch codes. Check the code with the bank before sending a large transfer.
How RIKOEE22 is built
| Positions | Length | Meaning |
|---|---|---|
| 1–4 | 4 | RIKO Bank code |
| 5–6 | 2 | EE Country |
| 7–8 | 2 | 22 Location |
| 9–11 | 3 | XXX Branch · XXX or omitted = head office |
How to use RIKOEE22 for a transfer
Give the sender two things: the BIC RIKOEE22 (or RIKOEE22XXX if the form asks for 11 characters) and your account number at Luminor Bank AS. In Estonia the account number is the IBAN, 20 characters starting with EE. Check both on your bank statement before sending a large amount: a wrong code delays the transfer or sends it back with fees.
The BIC (Business Identifier Code), commonly called SWIFT code, identifies a bank or institution in international payments. It has 8 or 11 characters: 4 letters for the institution, 2 for the country, 2 for the location, and an optional 3 for the branch. XXX, or no branch code at all, means the head office.
Questions
What is the SWIFT code of Luminor Bank AS?
The SWIFT/BIC code of Luminor Bank AS is RIKOEE22. In the 11-character form it is RIKOEE22XXX, where XXX stands for the head office.
Is RIKOEE22 a SWIFT code or a BIC?
Both: BIC is the ISO 9362 name of the code, SWIFT the network that assigns it. RIKOEE22 is the same code under either name.
Do I also need the IBAN to receive money at Luminor Bank AS?
Estonia uses the IBAN: the account number to give with the BIC is the IBAN, 20 characters long and starting with EE. See the IBAN format of Estonia.
Can I receive international transfers with iSwiss Pay?
Yes. The iSwiss Pay euro, US dollar and pound accounts each come with their own coordinates, including the BIC where applicable, and receive SWIFT and local transfers.
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