Luminor Bank AB (Former AB DNB Bankas Lithuania) SWIFT/BIC code

What AGBLLT2X means for a payment to Luminor Bank AB (Former AB DNB Bankas Lithuania)

The 8-character code AGBLLT2X and the 11-character code AGBLLT2XXXX refer to the same bank: Luminor Bank AB (Former AB DNB Bankas Lithuania). A BIC has a single purpose: it ensures that money from abroad ends up at the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and in the bank details that Luminor Bank AB (Former AB DNB Bankas Lithuania) provides.

On this page you will find what the code is put together, when it matters and which other details you need for a transfer to or from Luminor Bank AB (Former AB DNB Bankas Lithuania). Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

What a transfer from Luminor Bank AB (Former AB DNB Bankas Lithuania) abroad really costs

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

That exchange rate margin is often the biggest item even though it is not listed as a fee. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

For many routes, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists transfer providers next to each other so you can see the amount the recipient gets before you commit. You can still use your account at Luminor Bank AB (Former AB DNB Bankas Lithuania) as the source of the money; only the conversion and sending happen elsewhere.

How up to date is this code?

The details on this page are taken from publicly available data. Still, banks merge or change codes and our data may lag behind. The number of codes we show are based on what is in our directory and not on information from Luminor Bank AB (Former AB DNB Bankas Lithuania) itself.

See the information here as a helpful check. We are an independent comparison site and not affiliated with Luminor Bank AB (Former AB DNB Bankas Lithuania). Found an error? Let us know via our contact form and we will look into it.

How long does an international transfer to Luminor Bank AB (Former AB DNB Bankas Lithuania) take?

How fast a transfer reaches Luminor Bank AB (Former AB DNB Bankas Lithuania) is determined by several factors: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent after the cut-off time or on a weekend or public holiday often start the next business day. Occasionally a bank wants to know what the payment is for, which can hold things up.

If the money is delayed, ask your bank about the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services often provide tracking in their app so you can see how far the money is.

The bank that sent the money can start an official trace or a recall. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Choosing between the 2 SWIFT codes of Luminor Bank AB (Former AB DNB Bankas Lithuania)

Luminor Bank AB (Former AB DNB Bankas Lithuania) uses 2 separate SWIFT/BIC codes. One of them is the head office code, AGBLLT2XXXX; the rest belong to branches or departments, and sometimes internal departments.

For most incoming transfers, the head office code AGBLLT2XXXX is the right choice. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

The best way is to copy the code directly from the recipient’s statement. Codes can change when banks reorganise.

Paying into Luminor Bank AB (Former AB DNB Bankas Lithuania) in EUR

Most accounts at Luminor Bank AB (Former AB DNB Bankas Lithuania) are usually held in EUR, the local currency of Lithuania. A payment in a foreign currency is exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money matters: every bank has its own margin. Often you pay less if you send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Exchange rates move during the day, and some providers let you lock in a rate. On larger amounts, even small difference in the rate adds up quickly.

Do you need AGBLLT2X for a SEPA transfer?

Since Lithuania is part of the SEPA zone, a euro payment into Luminor Bank AB (Former AB DNB Bankas Lithuania) from within the SEPA area normally requires just the IBAN. Many banks do not require the BIC in that case or fill it in for you.

You still need AGBLLT2XXXX when sending payments in other currencies or money from outside the SEPA area. A few banks and apps also show a field for the BIC; in that case, enter AGBLLT2X.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA payments are generally low.

Scams that use SWIFT codes

A common scam goes like this: an email arrives with a request claiming that a company has new bank details and that the next payment should go there. The fact that AGBLLT2X exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Verify new payment details via a different channel, such as a phone number you already know, never via the email that asked for the change. Urgency or secrecy are warning signs – a real supplier can wait a day. Acted too fast? Contact the bank you paid from straight away and ask them to start a recall.

Scams can also work the other way. Someone sends too much and asks you to refund the extra to a new account. A screenshot of a transfer proves nothing.

AGBLLT2X or AGBLLT2XXXX – which one to use?

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two show the country and characters seven and eight mark the location. For Luminor Bank AB (Former AB DNB Bankas Lithuania), that core is AGBLLT2X.

Many payment forms work with both lengths. If a form asks for eleven characters, use AGBLLT2XXXX.

Type the code in one piece, in capitals and without separators, exactly as shown here. A single letter may route the money to another bank, so copy it carefully.

Is AGBLLT2X still correct? How to check

Ask the recipient to send you the bank details directly from a recent statement. When the code you were given differs from AGBLLT2X or AGBLLT2XXXX, do not guess: check with the recipient or with Luminor Bank AB (Former AB DNB Bankas Lithuania) directly.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees along the way. Do not forget the IBAN: a mistake there is harder to undo than a wrong code.

Many banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the payee name against the account; take any warning seriously. When you pay someone new, many people send a small amount first before sending the rest.

Incoming international payments to Luminor Bank AB (Former AB DNB Bankas Lithuania)

When you expect a payment from another country, send the payer a complete set of details. Share your name as the bank knows it, the IBAN or account number, SWIFT code AGBLLT2XXXX and your address, which some banks require.

It helps to include Luminor Bank AB (Former AB DNB Bankas Lithuania) and Vilnius as well, since some forms ask for it. A typo in the IBAN can be more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is below what the sender paid. Fees for incoming transfers vary per bank. On invoices, you can state how the fees are split, so that nobody is left short.