SWIFT Code KAOKFI21 — KAINUUN OSUUSPANKKI, KAJAANI

About SWIFT Code KAOKFI21 — KAINUUN OSUUSPANKKI, KAJAANI

SWIFT code KAOKFI21 is the official 8-character head-office BIC (Bank Identifier Code) for KAINUUN OSUUSPANKKI in KAJAANI, 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 KAINUUN OSUUSPANKKI for all outward international remittances from KAJAANI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code KAOKFI21

The code KAOKFI21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code KAOKFI21

Receiving International Wire Transfers

To receive money from abroad at your KAINUUN OSUUSPANKKI account in KAJAANI, share SWIFT code KAOKFI21 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 KAINUUN OSUUSPANKKI, KAJAANI must provide SWIFT code KAOKFI21. 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 KAINUUN OSUUSPANKKI in KAJAANI rely on SWIFT code KAOKFI21 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 KAINUUN OSUUSPANKKI →

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

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

How SWIFT Code KAOKFI21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code KAOKFI21 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 KAINUUN OSUUSPANKKI.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: KAINUUN OSUUSPANKKI receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code KAOKFI21

• Spaces or lowercase letters — Always enter KAOKFI21 uppercase with no spaces.
• Using the wrong city — This code is for KAJAANI 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 KAOKFI21 directly with KAINUUN OSUUSPANKKI's KAJAANI branch or via the SWIFT BIC Directory.