Banque Carnegie Luxembourg S.A. SWIFT/BIC code

SWIFT/BIC code of Banque Carnegie Luxembourg S.A.

The short code CARNLULL and the full code CARNLULLXXX refer to one and the same institution: Banque Carnegie Luxembourg S.A. in Luxembourg, Luxembourg. A SWIFT code shows the sending bank which institution should receive the money, a bit like a postal address for banks. You will need it mostly when dealing with payments that cross a border.

We wrote this page to help anyone who receives money at an account at Banque Carnegie Luxembourg S.A.. Remember that the BIC just identifies the bank, not the person: the IBAN or account number does that part.

8 or 11 characters: CARNLULL versus CARNLULLXXX

The layout of a BIC never changes: four characters for the institution, two for the country and a two-character location code. The result is CARNLULL for Banque Carnegie Luxembourg S.A..

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so CARNLULLXXX and CARNLULL are interchangeable.

Leave out spaces, dots when you type CARNLULL; the code is always written in one block. Pasting the code beats retyping it.

How long does an international transfer to Banque Carnegie Luxembourg S.A. take?

There is no single delivery time for every transfer: many arrive within a day while others need several business days. Weekends and public holidays in the sending or receiving country add extra days. Occasionally a bank wants to know what the payment is for before releasing it.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually provide tracking in their app so you can see where the payment has got.

The bank that sent the money is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

Euro (EUR) and conversion costs

Luxembourg uses the Euro, with the currency code EUR. A payment in a foreign currency is converted into EUR, and whoever converts it chooses the rate. There is rarely a separate line for that conversion.

Which bank converts the payment makes a difference, because each party uses its own rate. In many cases it is cheaper if you send EUR straight away through a provider that converts near the mid-market rate.

The rate for EUR fluctuates throughout the day. If you pay regularly, a slightly better rate add up over a year.

Euro transfers to Banque Carnegie Luxembourg S.A.: is a BIC needed?

Because Luxembourg is in SEPA, a euro payment into Banque Carnegie Luxembourg S.A. from within the SEPA area normally only needs the IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

You will still need CARNLULLXXX for non-euro payments or money from outside the SEPA area. Some forms still ask for the BIC; if so, enter CARNLULL or CARNLULLXXX.

Instant euro transfers have become widely available across SEPA. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

Choosing between the 2 SWIFT codes of Banque Carnegie Luxembourg S.A.

Banque Carnegie Luxembourg S.A. uses 2 different SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments.

If nobody asks you for a branch code, go with CARNLULLXXX or its short form CARNLULL. When you receive a branch code, use it as it is rather than swapping it with the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more likely to be retired than CARNLULLXXX.

Watch out for payment fraud

Criminals often send fake invoices containing changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about who owns the account – scammers simply use real codes.

Before paying, confirm a change of bank details through a phone call on a number you know, not one from the message. Watch out for time pressure, unusual wording or an email address that differs by one letter. If money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone claims to have sent too much and wants you to return the difference to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

About this information

The directory on GoldexPay is compiled from publicly available sources. Even so, banks merge or retire codes, so information can be out of date. Figures such as the number of codes come from our directory and are not confirmed by Banque Carnegie Luxembourg S.A..

Treat our data as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Banque Carnegie Luxembourg S.A., we only compare transfer services. Spotted an error? Tell us via our contact form so we can correct it.

Incoming international payments to Banque Carnegie Luxembourg S.A.

If you are waiting for a payment from another country, send the payer a complete set of details. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code CARNLULLXXX and sometimes your address.

Their bank may also ask for the bank address of Banque Carnegie Luxembourg S.A.; the head office in Luxembourg is usually fine. A typo in the IBAN can be more trouble than you might think, so copy the details from your online banking.

Do not be surprised if the amount credited is below what the sender paid. Charges on incoming payments differ from bank to bank – the price list of Banque Carnegie Luxembourg S.A. tells you what applies. Make clear with the sender who covers the fees before the money is sent.

How to check CARNLULL before you pay

Have the recipient copy the bank details straight from their online banking. When the code you were given does not match CARNLULL or CARNLULLXXX, do not guess – contact the recipient or Banque Carnegie Luxembourg S.A..

If the code is wrong, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. Remember the IBAN: an error there can be harder to undo than a wrong code.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. A small test payment is a sensible step for large sums, even if it costs an extra fee.

Paying someone abroad from your Banque Carnegie Luxembourg S.A. account

When you transfer money to another country via Banque Carnegie Luxembourg S.A., the visible fee is rarely all of the cost. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank often uses a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest cost even though it is not listed as a fee. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, it is worth to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Banque Carnegie Luxembourg S.A. to fund the transfer; only the conversion and sending happen elsewhere.