Lombard Odier (Europe) S.A. SWIFT/BIC code

LOCYBEBB – the SWIFT/BIC code of Lombard Odier (Europe) S.A.

Whether you are given LOCYBEBB or LOCYBEBBXXX, it is the same address for Lombard Odier (Europe) S.A. in Belgium. The code does one job: it makes sure that money from abroad reaches the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details of Lombard Odier (Europe) S.A. customers.

This page is meant to help people who receives money at an account at Lombard Odier (Europe) S.A. and wants to get the details right. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN is for.

Watch out for payment fraud

Be alert when someone suddenly wants you to pay into a different account abroad. A real SWIFT code says nothing about whether the request is genuine.

Check changed bank details via a different channel, such as a phone number you already know. Urgency and requests to keep it quiet are warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent too much and asks you to refund the extra via a different route. A payment confirmation from the sender is no proof.

How to check LOCYBEBB before you pay

The best place to find the right code remains paperwork issued by the bank. Check it with LOCYBEBB here; if they differ, ask before you pay.

A wrong SWIFT code may lead to delays, a payment being sent back or additional charges for investigation. An error in the account number is a bigger problem.

A format check in your banking app only confirms that the IBAN is valid, not that it is the right account. Some banks now compare the name against the account before you confirm; take any warning seriously. When you pay someone new, many people start with a small amount first and wait for confirmation.

Head office or branch code at Lombard Odier (Europe) S.A.?

Lombard Odier (Europe) S.A. uses 2 separate SWIFT/BIC codes. One of them is the head office code, LOCYBEBBXXX; the others identify branches.

For most payments to a private or business account, the head office code LOCYBEBBXXX is the right choice. A branch code only makes sense if the account holder explicitly asks for it, which is more common for business accounts and trade services.

The best way is to copy the code straight from the account holder’s bank details. Codes for branches are more prone to be retired than the head office code.

A note on our data

The directory on GoldexPay draws on public sources and we update it periodically. Banks reorganise, close branches and change codes, and a directory never catches every change immediately. The figures we show reflect what is in our directory and not on information from Lombard Odier (Europe) S.A. itself.

Treat our data as a reference, not as the final word: the recipient’s bank details come first. We are an independent comparison site for money transfers and not part of Lombard Odier (Europe) S.A.. Should you notice something that is out of date, we welcome a message via the contact page.

Paying Lombard Odier (Europe) S.A. in euros within SEPA

Because Belgium is in the SEPA zone, a euro transfer into Lombard Odier (Europe) S.A. from within the SEPA area normally requires just the IBAN. Many banks do not require the BIC for these payments or fill it in for you.

For anything other than euros and from non-SEPA countries, LOCYBEBBXXX remains part of the payment details. Some banks and apps also ask for the BIC; in that case, fill in LOCYBEBB.

SEPA transfers usually arrive within one business day; instant payments are faster if both banks offer them. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

Sending EUR to Lombard Odier (Europe) S.A.

The local currency in Belgium is the Euro (EUR). Money sent in a different currency is converted into EUR on its way to Lombard Odier (Europe) S.A.. Each conversion eats into the amount, even when no fee is shown.

Which bank converts the payment matters, because each party uses its own rate. Often it is cheaper to send EUR straight away via a transfer service that converts near the mid-market rate.

The rate for EUR changes throughout the day. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.

What to give a sender who pays you at Lombard Odier (Europe) S.A.

Someone abroad who wants to pay you needs several details from you – incomplete details often cause delays. In practice that means: your full name as registered with Lombard Odier (Europe) S.A., your account number or IBAN, the BIC LOCYBEBBXXX and sometimes your postal address.

It helps to add the bank name and its city as well. Check the details before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. On invoices, you can agree who bears the costs.

Paying someone abroad from your Lombard Odier (Europe) S.A. account

What you pay for an international transfer has several parts, and the transfer fee is only the most visible one. On top of the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency, the bank often uses a rate below the real market rate.

Many banks do not list their exchange rate markup separately. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay lists these services side by side, showing the amount the recipient gets. You can always keep your account at Lombard Odier (Europe) S.A. to fund the transfer, while a cheaper service handles the conversion.

How long does an international transfer to Lombard Odier (Europe) S.A. take?

There is no single answer for international payments: some arrive within a day. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Extra checks by one of the banks can also cause some delay.

Many banks use SWIFT gpi. Every payment gets a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online showing how far the payment is.

If the money does not arrive within the expected time, the person who paid needs to contact the bank that sent it, not the receiving bank. As a recipient, it helps to check your account for a slightly lower amount.

Why Lombard Odier (Europe) S.A. has an 8- and an 11-character code

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. That gives you LOCYBEBB, the short form of the code.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

Do not add spaces when you enter LOCYBEBB or LOCYBEBBXXX. A single character can send a payment to a different institution, so check it twice.