SWIFT/BIC codes in Luxembourg

Finding a SWIFT code in Luxembourg

Our directory lists 494 banks and other institutions in Luxembourg, with 1051 SWIFT/BIC codes in total. A BIC shows the banks handling a transfer which institution should receive an international payment.

Each bank is listed with its own page showing the head office code and, where available, codes for branches and departments. Further down you can read how codes from Luxembourg are built, how to send money there at a fair price and what to check before you pay.

Getting paid from abroad into an account in Luxembourg

If you are waiting for money from abroad on an account in Luxembourg, send the payer all details at once. Share your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. You can add the name and city of your bank as well, since some payment forms ask for it.

The amount you receive is often lower than what was sent. Charges on incoming payments vary per bank. Make clear with the sender who pays which costs before the money is sent.

The Euro (EUR) and conversion costs

Bank accounts in Luxembourg are typically held in EUR, the local currency. When you pay money in a different currency, the amount has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Who converts the money makes a difference. Compare how much EUR the recipient gets via several services; the difference between options can be larger than you expect. With bigger transfers, even a small difference in the rate adds up quickly.

Check the code before you pay

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account page in online banking. An incorrect BIC can cause delays, a returned payment or extra fees.

We collect bank codes from public sources and update our list regularly. Still, banks merge, rename themselves or change codes. Before a payment of any size, confirm the BIC with the recipient’s bank. We are a comparison service for money transfers.

Watch out for invoices with changed bank details – a common fraud method. Always confirm a change of bank details by phone on a number you know.

Banks in Luxembourg starting with :letter

The letter filter narrows the list down to banks in Luxembourg starting with :letter. The totals mentioned above still cover the whole country and not only this selection.

If a bank is missing under :letter, try the full list: banks are often registered under their full legal name. Try the full list for Luxembourg if you do not know how the name is spelled.

How SWIFT codes from Luxembourg are built

Bank identifier codes use the same format worldwide: eight characters, sometimes followed by three more. First comes four letters for the bank, then a two-letter country code and a two-character location code.

For banks in Luxembourg, letters five and six are the two-letter ISO code of Luxembourg. Codes with other letters in that position come from another country, even if the bank name looks familiar.

The optional last three characters identify a branch or department; XXX is used for the head office. Use a branch code just if the recipient explicitly gives you one – otherwise stick with the head office.

What a transfer to Luxembourg really costs

What you pay for a payment to Luxembourg has several parts – not only the fee you see. There is the transfer fee, sometimes fees from correspondent banks and, most importantly, the margin on the exchange rate if the money is converted.

The real cost is often in the rate. A simple test: put the offered rate next to the mid-market rate and look at the difference.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer – mostly thanks to the exchange rate. Before your next transfer to Luxembourg, take a minute to compare the total cost via GoldexPay rather than accepting the first rate you see.

Tracking a payment to Luxembourg

A SWIFT payment to Luxembourg typically takes one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add extra days to the journey.

If the money is delayed, ask the sender to contact their own bank and ask for the status or the UETR. Money transfer services usually provide a status in their app.

Euro payments to Luxembourg: is a BIC needed?

Luxembourg belongs to the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

You will still need the BIC when sending non-euro payments or money from outside the SEPA area. Instant payments in euros are increasingly available within SEPA, though not every bank offers them for every account. Costs stay low as long as no currency is converted; the conversion is where it gets expensive.

Most SWIFT codes in Luxembourg: BNP Paribas Securities Services

Of the 494 banks we list for Luxembourg, BNP Paribas Securities Services is listed with the largest number of SWIFT codes. Its main office uses PARBLU21XXX; that is usually the right code for a transfer.

Banks differ in whether they register branch codes, so the count is not a ranking of size. If not a branch code is given, the head office code PARBLU21XXX works for transfers to this bank.