Luminor Bank Estonia Simplifies SWIFT Transfers for Clients

This article provides a detailed overview of the SWIFT/BIC code (RIKOEE22XXX) for Luminor Bank AS in Estonia and explains how to correctly use it for cross-border transfers in various situations. It also offers essential bank information, instructions on how to find branch locations, and useful tips for ensuring secure remittances. The aim is to guide readers in completing transfers to Luminor Bank easily and safely, providing practical advice and clarifying the process for international transactions involving this specific bank.

The Essential SWIFT/BIC Code: RIKOEE22XXX

For international transfers to Luminor Bank AS (formerly AS DNB PANK) in Estonia, the primary SWIFT/BIC code is RIKOEE22XXX . This unique identifier serves as the bank's international routing number, ensuring your funds reach the correct destination.

Consider a scenario where you need to send tuition fees to a student studying in Estonia. Instead of navigating complex banking information, simply using this standardized code streamlines the process, reducing potential errors and processing delays.

Branch-Specific Variations

While RIKOEE22XXX serves as the primary identifier, some Luminor Bank branches or specific services may use alternative codes. This system mirrors how multinational corporations maintain both a global headquarters and local offices with distinct identifiers.

To ensure accuracy:

Request the precise SWIFT/BIC code directly from the recipient
Verify with Luminor Bank's customer service before initiating transfers

When to Use the Primary Code

The RIKOEE22XXX code applies in these common situations:

International wire transfers to Luminor Bank accounts in Estonia
Transactions where specific branch information isn't provided
Payments processed through Luminor's central operations
As a default code when no alternative is specified

While this primary code functions as a reliable default, confirming the exact requirements for each transaction remains the most prudent approach.

Bank Information Overview

Key details for Luminor Bank AS:

Bank Name: LUMINOR BANK AS, ESTONIA (FORMER AS DNB PANK)
SWIFT Code: RIKOEE22XXX
Address: LIIVALAIA 45
City: TALLINN
Country: ESTONIA

Local Branch Network

Luminor Bank maintains multiple branches throughout Estonia, offering localized services. Customers can access specific branch information through the bank's official communication channels.

Transfer Security Recommendations

When processing international payments:

Triple-check all recipient details including name, account number, and bank codes
Use only authorized financial institutions for money transfers
Protect sensitive financial information from potential fraud
Retain all transaction documentation for reference

With proper preparation and verification, international transfers to Estonia's Luminor Bank can be completed efficiently and securely. The RIKOEE22XXX code serves as the fundamental routing identifier, though confirming specific requirements for each transaction ensures optimal results.