SWIFT/BIC codes in Luxembourg: banks starting with A

SWIFT/BIC codes in Luxembourg

Our directory contains 494 banks and financial institutions in Luxembourg, with 1051 SWIFT/BIC codes in total. Every code identifies a bank or one of its branches, so a payment from abroad reaches the right place.

Search for the recipient’s bank in the list and open its page to see the full list of codes and the details a transfer needs. The rest of this page covers how the codes work, what transfers cost and the checks worth doing.

Euro payments to Luxembourg: is a BIC needed?

Inside SEPA, euro transfers to Luxembourg follow the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.

A SWIFT code does matter for payments in other currencies. Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Provided no conversion is involved, the transfer is usually cheap.

BNP Paribas Securities Services and its SWIFT codes

BNP Paribas Securities Services leads the list of Luxembourg banks when it comes to the number of SWIFT/BIC codes. Its head office code is PARBLU21XXX – the code most transfers need.

A large number of codes often means separate codes for branches, departments or services – it says nothing about the size of the bank as such. Making a payment to BNP Paribas Securities Services? Use PARBLU21XXX except when the recipient gives you a branch code.

About our data and how to check a code

Have the recipient send you the account details straight from their online banking. If the code you have differs from the code listed here, do not guess.

Our SWIFT/BIC directory is compiled from public sources that we update periodically. Banks merge, change names and retire codes – a directory can be a step behind. Treat this list as a reference; the recipient’s bank details are leading. GoldexPay is an independent comparison site.

Watch out for invoices containing a new account, especially when they come by email. Always verify a change of bank details by phone, using a number you already had.

Banks in Luxembourg beginning with the letter :letter

This list only shows banks in Luxembourg whose name starts with :letter. The figures for Luxembourg mentioned here cover every bank we list and not only this letter.

If the bank you need does not appear under :letter, check another letter. The complete list is available when the letter filter does not help.

Paying in EUR: what conversion costs you

The currency of Luxembourg is the Euro (EUR). When you pay another currency, it has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Which bank converts the money makes a difference: every bank has its own margin. Compare how much EUR the recipient gets with different providers. On larger amounts, even a small gap in the rate adds up quickly.

The cheapest way to send money to Luxembourg

The price of a transfer to Luxembourg has more than one component. On top of a fixed fee, intermediary banks may deduct a charge, and when the money is converted the bank often applies a less favourable rate than the real market rate.

The markup on the rate is often the largest cost item, even though it is not listed as a fee. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the exchange rate. Before your next transfer to Luxembourg, it is worth to compare the total cost via GoldexPay.

Getting paid from abroad into an account in Luxembourg

To receive an international payment into a Luxembourg account, the sender needs not just the SWIFT code. That means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and usually your postal address.

Find your bank in the list on this page, but take the code from your own bank details when in doubt. Certain sending banks may also ask for your bank’s address, so keep it at hand.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. For business payments, agree who bears the costs to avoid a shortfall.

Transfer times to Luxembourg

There is no single delivery time for transfers to Luxembourg: some land the same day or the next while others need several business days. Bank holidays in Luxembourg or in the sending country can add extra days to the journey.

When a payment takes longer than expected, ask the sender to contact their own bank for a trace – the receiving bank often cannot see a payment that has not arrived. Save the payment confirmation until the money has arrived; a bank needs it to start a trace.

What the letters in a Luxembourg BIC mean

Each SWIFT/BIC code consists of eight or eleven characters. The first four letters stand for the bank, characters five and six are the country code and the next two give the location.

Whatever the bank, all Luxembourg codes share the same country code in positions five and six. If the country letters do not match Luxembourg, the code belongs to a bank somewhere else.

An 11-character code ends in a branch code. For most transfers the head office code is what you need unless the recipient asks for a specific branch.