{"id":2600,"date":"2022-06-30T08:19:17","date_gmt":"2022-06-30T08:19:17","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=2600"},"modified":"2022-09-25T12:05:11","modified_gmt":"2022-09-25T12:05:11","slug":"bic-og-iban","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/","title":{"rendered":"Hvad er BIC og IBAN?"},"content":{"rendered":"\n

N\u00e5r du overf\u00f8rer penge til udlandet<\/a>, skal du angive BIC- og IBAN-koder. Disse koder g\u00f8r internationale betalinger mere effektive og billigere.<\/p>\n\n\n\n

Hvad er BIC?<\/h2>\n\n\n\n

Hver bank har sin egen bankidentifikationskode (BIC<\/a>). L\u00e6ngden af en BIC er altid 8 eller 11 tegn. De f\u00f8rste seks tegn er bogstaver, og resten er bogstaver og\/eller tal. Denne kode sikrer, at internationale betalingsoverf\u00f8rsler kommer frem til den rigtige bank. BIC kaldes ogs\u00e5 SWIFT-adressen eller SWIFT-koden. For at modtage penge fra udlandet til din betalingskonto bliver du nogle gange bedt om at oplyse din bankadresse.<\/p>\n\n\n\n

Hvad er IBAN?<\/h2>\n\n\n\n

Det internationale bankkontonummer (IBAN<\/a>) identificerer hver enkelt kontohaver, herunder bank og bop\u00e6lsland. Det unikke IBAN giver bankerne mulighed for at behandle betalingen helt automatisk uden yderligere oplysninger. Det er derfor n\u00f8dvendigt, at kontooplysningerne p\u00e5 fakturaen for erhvervsbetalinger viser et korrekt IBAN.<\/p>\n\n\n\n

Obligatorisk<\/h2>\n\n\n\n

Fra den 1. januar 2007 er BIC og IBAN obligatoriske for overf\u00f8rsler til lande inden for Det Europ\u00e6iske \u00d8konomiske Samarbejdsomr\u00e5de. Dette er resultatet af europ\u00e6iske bankregler. Du kan kun f\u00e5 et korrekt IBAN og BIC fra (modtagerens) bank. Uden det relevante IBAN og BIC kan den udenlandske bank afvise din ordre og returnere den til dig efter fradrag af yderligere omkostninger. Din bank udfylder BIC-koden i den almindelige betalingssk\u00e6rm. I sk\u00e6rmbilledet for en verdensbetaling sker dette ikke, og du skal indhente det korrekte IBAN og BIC fra modtageren.<\/p>\n\n\n\n

IBAN \/ BIC-kode for din egen konto<\/h2>\n\n\n\n

Du finder dit IBAN og din BIC-kode p\u00e5 din konto. Dit IBAN er baseret p\u00e5 dit kontonummer. Hertil kommer en bankkode, en landekode og et kontrolciffer.<\/p>\n\n\n\n

Et eksempel p\u00e5 en IBAN-kode er: DK50 0040 0440 1162 43<\/p>\n\n\n\n

IBAN-koden best\u00e5r af en landekode. Denne efterf\u00f8lges af et kontrolciffer. I eksemplet ovenfor er dette 20 og en bankkode. Derefter en bankkode for din bank. Til sidst dit kontonummer (10 tal i alt, eventuelt suppleret med foranstillede nuller).
Hvad er en “filialkode”?<\/p>\n\n\n\n

Nogle lande beder om en “filialkode”. Hvis der er tale om en bankfilial, tilf\u00f8jes der 3 tegn til BICkoden, s\u00e5 den f\u00e5r 11 tegn. Dette er ofte tilf\u00e6ldet med banker i Tyskland, Storbritannien eller Frankrig. For at udligne antallet af tegn i BIC-koden kan XXX tilf\u00f8jes.<\/p>\n\n\n\n

Tips<\/h3>\n\n\n\n
  • Ved betalinger inden for Det Europ\u00e6iske \u00d8konomiske Samarbejdsomr\u00e5de (E\u00d8S)* kan du drage fordel af de europ\u00e6iske betalingsgebyrer. Betingelsen er, at du n\u00e6vner IBAN og BIC sammen med din betalingsordre, og at du v\u00e6lger “vores” som omkostningstype.<\/li>
  • Angiv IBAN og BIC p\u00e5 dit brevpapir og dine fakturaer. P\u00e5 denne m\u00e5de kan udenlandske forbindelser bruge dit IBAN til deres betalinger. T\u00e6nk i hvert fald over dette, n\u00e5r du bestiller nye tryksager.<\/li><\/ul>\n\n\n\n

    FAQs<\/h2>\n\n\n\n
    Kan jeg foretage en betaling uden IBAN?<\/strong>

    Betalinger til EU- og E\u00d8S-landene kan ikke foretages uden IBAN. Det er den afsendende banks ansvar at afvise betalinger fra sine kunder, som ikke har de kr\u00e6vede oplysninger. Betalinger, der sendes fra din bank, skal altid v\u00e6re forsynet med IBAN-nummeret uanset betalingsvalutaen. Dette sikrer, at du ikke p\u00e5f\u00f8res ekstra omkostninger, hvis betalingen fratrukket udgifter og valutatab returneres fra udlandet.<\/p> <\/div>

    Hvordan skal IBAN og BIC angives i betalingsoplysningerne?<\/strong>

    Et IBAN angives altid uden mellemrum og uden ordet IBAN.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"

    N\u00e5r du overf\u00f8rer penge til udlandet, skal du angive BIC- og IBAN-koder. Disse koder g\u00f8r internationale betalinger mere effektive og billigere. Hvad er BIC? Hver<\/p>\n

    L\u00e6s mere Hvad er BIC og IBAN?<\/span><\/p>\n","protected":false},"author":23,"featured_media":2604,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[105],"tags":[162,163],"class_list":["post-2600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kreditkort","tag-bic","tag-iban","entry"],"yoast_head":"\nBIC og IBAN - Hvad er det? - Top5Credits.com<\/title>\n<meta name=\"description\" content=\"BIC - bankidentifikationskode, er en kode som sikrer, at pengene ender det rigtige sted, imens IBAN er et internationalt bankkontonummer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BIC og IBAN - Hvad er det? 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Hendes artikler afmystificerer finansverden og g\u00f8r finans tilg\u00e6ngelig for alle, ved at bygge bro mellem eksperternes viden og l\u00e6sernes behov.","url":"https:\/\/www.top5credits.com\/dk\/author\/kirsten\/"},{"@type":"Question","@id":"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/#faq-question-1656577272215","position":1,"url":"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/#faq-question-1656577272215","name":"Kan jeg foretage en betaling uden IBAN?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Betalinger til EU- og E\u00d8S-landene kan ikke foretages uden IBAN. Det er den afsendende banks ansvar at afvise betalinger fra sine kunder, som ikke har de kr\u00e6vede oplysninger. Betalinger, der sendes fra din bank, skal altid v\u00e6re forsynet med IBAN-nummeret uanset betalingsvalutaen. Dette sikrer, at du ikke p\u00e5f\u00f8res ekstra omkostninger, hvis betalingen fratrukket udgifter og valutatab returneres fra udlandet.","inLanguage":"da-DK"},"inLanguage":"da-DK"},{"@type":"Question","@id":"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/#faq-question-1656577312258","position":2,"url":"https:\/\/www.top5credits.com\/dk\/finansiering\/kreditkort\/bic-og-iban\/#faq-question-1656577312258","name":"Hvordan skal IBAN og BIC angives i betalingsoplysningerne?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Et IBAN angives altid uden mellemrum og uden ordet IBAN.","inLanguage":"da-DK"},"inLanguage":"da-DK"}]}},"_links":{"self":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts\/2600","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/comments?post=2600"}],"version-history":[{"count":0,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts\/2600\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/media\/2604"}],"wp:attachment":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/media?parent=2600"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/categories?post=2600"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/tags?post=2600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}