Lombard Odier and Cie (Gibraltar) LTD SWIFT/BIC code

Lombard Odier and Cie (Gibraltar) LTD SWIFT code: LOCYGIGI

If an invoice shows LOCYGIGI or LOCYGIGIXXX, you are looking at the same address for Lombard Odier and Cie (Gibraltar) LTD in Gibraltar. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money. In daily life you usually see the code on international invoices, in your banking app and on the account details that Lombard Odier and Cie (Gibraltar) LTD provides.

On this page you can read how the code means, when it matters and what else a transfer to or from Lombard Odier and Cie (Gibraltar) LTD requires. The SWIFT code alone cannot identify a personal account; that is what the IBAN or account number is for.

How to check LOCYGIGI before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details. Compare it against LOCYGIGI here; if they differ, ask before you pay.

If the code is wrong, the transfer may be delayed, bounce back or end up costing more, and tracing it can take weeks. An error in the IBAN or account number can be more serious because it can reach the wrong person.

An automatic check by your bank merely tells you that the code exists, not that it is the right account. Where available, a name check on the recipient adds extra certainty. A small test payment is worth it for large sums.

Which of the 2 codes of Lombard Odier and Cie (Gibraltar) LTD do you need?

We have 2 SWIFT/BIC codes for Lombard Odier and Cie (Gibraltar) LTD, spread over 1 locations. Next to the head office code LOCYGIGIXXX, you will find codes for individual branches and departments.

In most cases you do not need to pick a branch: transfers addressed to LOCYGIGIXXX reach Lombard Odier and Cie (Gibraltar) LTD correctly. When you receive a specific code, use it as it is instead of swapping it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more likely to change than LOCYGIGIXXX when a bank merges or closes offices.

International transfers from Lombard Odier and Cie (Gibraltar) LTD: the real cost

If you send money to another country via Lombard Odier and Cie (Gibraltar) LTD, the visible fee is rarely all of the cost. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

That exchange rate margin tends to be the largest item. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer. On GoldexPay you can compare the amount that arrives across providers, which makes the cheapest option easy to spot. You can still use your account at Lombard Odier and Cie (Gibraltar) LTD; only the conversion and sending happen elsewhere.

What to give a sender who pays you at Lombard Odier and Cie (Gibraltar) LTD

For an international payment into your account at Lombard Odier and Cie (Gibraltar) LTD, the sender has to have not just the BIC. Give them your name as the bank knows it, the IBAN or account number, the BIC LOCYGIGIXXX and your address.

You can include the bank name and its city too. A typo in your account number is harder to fix than you might think, so copy the details from your online banking.

The amount you receive can be lower than what was sent. Fees for incoming transfers vary per bank. Make clear with the sender who covers the fees before the money is sent.

Changed bank details? Be careful

Scammers often send payment requests containing changed bank details. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Never rely on contact details in the same message that announces the new account. Pressure or requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. If money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

8 or 11 characters: LOCYGIGI versus LOCYGIGIXXX

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. The result is LOCYGIGI.

XXX at the end of LOCYGIGIXXX does not stand for a missing value or a mistake: it indicates the main office of Lombard Odier and Cie (Gibraltar) LTD. Certain payment forms insist on 11 characters, in which case you simply enter XXX behind LOCYGIGI.

In practice the code is typed in capitals, without spaces or dashes. A single character can send a payment to another bank.

When will the money arrive at Lombard Odier and Cie (Gibraltar) LTD?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Bank holidays in either country can add extra days. Extra checks on larger or unusual payments may also cause some delay.

If the money is delayed, contact the sending bank about the tracking status or the UETR. Money transfer services usually show a status online so you can see where the money is.

The bank that sent the money can request a trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Where our SWIFT data comes from

The codes on this page come from publicly available data that we update regularly. Institutions merge, close branches and change codes. Counts and locations are from our directory and are not confirmed by Lombard Odier and Cie (Gibraltar) LTD.

Treat this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Lombard Odier and Cie (Gibraltar) LTD. Found outdated information? Let us know via our contact form and we will look into it.