SWIFT Code HAOIFI21 — HARTOLAN OSUUSPANKKI, HARTOLA

About SWIFT Code HAOIFI21 — HARTOLAN OSUUSPANKKI, HARTOLA

SWIFT code HAOIFI21 is the official 8-character head-office BIC (Bank Identifier Code) for HARTOLAN OSUUSPANKKI in HARTOLA, Finland. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by HARTOLAN OSUUSPANKKI for all outward international remittances from HARTOLA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HAOIFI21

The code HAOIFI21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code HAOIFI21

Receiving International Wire Transfers

To receive money from abroad at your HARTOLAN OSUUSPANKKI account in HARTOLA, share SWIFT code HAOIFI21 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at HARTOLAN OSUUSPANKKI, HARTOLA must provide SWIFT code HAOIFI21. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using HARTOLAN OSUUSPANKKI in HARTOLA rely on SWIFT code HAOIFI21 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for HARTOLAN OSUUSPANKKI →

For cheque clearing or NACH mandates, use the MICR code for HARTOLAN OSUUSPANKKI →

For TDS challan deposits, find the BSR code for HARTOLAN OSUUSPANKKI →

How SWIFT Code HAOIFI21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code HAOIFI21 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to HARTOLAN OSUUSPANKKI.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HARTOLAN OSUUSPANKKI receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HAOIFI21

• Spaces or lowercase letters — Always enter HAOIFI21 uppercase with no spaces.
• Using the wrong city — This code is for HARTOLA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Finland.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm HAOIFI21 directly with HARTOLAN OSUUSPANKKI's HARTOLA branch or via the SWIFT BIC Directory.