SWIFT Code HESAFI21 — HELMI SAASTOPANKKI OY, LAHTI

About SWIFT Code HESAFI21 — HELMI SAASTOPANKKI OY, LAHTI

SWIFT code HESAFI21 is the official 8-character head-office BIC (Bank Identifier Code) for HELMI SAASTOPANKKI OY in LAHTI, 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 HELMI SAASTOPANKKI OY for all outward international remittances from LAHTI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HESAFI21

The code HESAFI21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code HESAFI21

Receiving International Wire Transfers

To receive money from abroad at your HELMI SAASTOPANKKI OY account in LAHTI, share SWIFT code HESAFI21 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 HELMI SAASTOPANKKI OY, LAHTI must provide SWIFT code HESAFI21. 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 HELMI SAASTOPANKKI OY in LAHTI rely on SWIFT code HESAFI21 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 HELMI SAASTOPANKKI OY →

For cheque clearing or NACH mandates, use the MICR code for HELMI SAASTOPANKKI OY →

For TDS challan deposits, find the BSR code for HELMI SAASTOPANKKI OY →

How SWIFT Code HESAFI21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code HESAFI21 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 HELMI SAASTOPANKKI OY.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HELMI SAASTOPANKKI OY receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HESAFI21

• Spaces or lowercase letters — Always enter HESAFI21 uppercase with no spaces.
• Using the wrong city — This code is for LAHTI 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 HESAFI21 directly with HELMI SAASTOPANKKI OY's LAHTI branch or via the SWIFT BIC Directory.