Cardif Lux Vie SWIFT/BIC code

What FTSILULL means for a payment to Cardif Lux Vie

The short code FTSILULL and the full code FTSILULLXXX identify one and the same institution: Cardif Lux Vie. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct bank. In daily life you mostly come across it on invoices from abroad, in payment forms and in the bank details of Cardif Lux Vie customers.

On this page you will find what the code is put together, when it matters and what else you need for a transfer to or from Cardif Lux Vie. A SWIFT code identifies a bank or branch, not a specific account.

Where our SWIFT data comes from

The details here come from publicly available data which we refresh regularly. Still, banks merge or change codes and our data may lag behind. The figures we show reflect what is in our directory, not official figures from Cardif Lux Vie.

Use this page as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay has no connection to Cardif Lux Vie, we only compare transfer services. Spotted an error? Tell us via our contact form so we can correct it.

When will the money arrive at Cardif Lux Vie?

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before a weekend or public holiday usually go out a business day later. Extra checks by one of the banks may also cause some delay.

If the money is delayed, ask the sending bank about the tracking status so they can trace it along the chain. Keep your transfer receipt – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid should contact their own bank. Ask the sender for a copy of the payment confirmation including the reference.

SEPA payments and the Cardif Lux Vie BIC

Luxembourg belongs to the Single Euro Payments Area (SEPA), the zone for uniform euro payments. For a standard euro transfer within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

A SWIFT code like FTSILULL still matter when the currency is not euros, and for transfers from outside SEPA. A few banks and apps still ask for the BIC out of habit; in that case, fill in FTSILULL or FTSILULLXXX.

Instant euro transfers have become increasingly supported across SEPA. As long as no currency is converted, a SEPA transfer is cheap; costs rise once a conversion is involved.

International transfers from Cardif Lux Vie: the real cost

When you transfer money to another country from Cardif Lux Vie, the fee you see is only part of the cost. There is the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

Banks rarely list the margin on the rate separately – you only notice it if you compare. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. On GoldexPay you can compare the amount that arrives across services, so you can pick the cheapest route. You can still keep your account at Cardif Lux Vie to fund the transfer, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

Scammers regularly use payment requests with new bank details. That FTSILULL is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Always verify a change of bank details by phone on a number you know, not one from the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Getting paid from abroad into a Cardif Lux Vie account

When you are waiting for money from abroad, send the payer all details at once. Give them your name as the bank knows it, your account number or IBAN, SWIFT code FTSILULLXXX and your address, which some banks require.

Certain sending banks want the bank’s address in Luxembourg, so keep it at hand. Check every detail before you send them.

What lands in your account can be less than what was sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate applies. For business payments, you can state who bears the costs, so that nobody is left short.

Cardif Lux Vie: head office code versus branch codes

We have 3 SWIFT/BIC codes for Cardif Lux Vie in 1 cities. Besides the head office code FTSILULLXXX, you will find codes for branches, departments or specific services.

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

The best way is to copy the code directly from the recipient’s bank details. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

FTSILULL or FTSILULLXXX – which one to use?

The structure of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. The result is FTSILULL for Cardif Lux Vie.

XXX at the end of FTSILULLXXX is not a placeholder or a mistake: it indicates the head office of Cardif Lux Vie. Some banking apps ask for 11 characters, in which case you simply add XXX after FTSILULL.

Type the code as one block, in capitals and without separators, exactly as shown here. A wrong character can send the money to another bank, so check it twice.

Sending EUR to Cardif Lux Vie

The national currency in Luxembourg is the Euro (EUR). Money sent in a different currency will be converted into EUR on its way to Cardif Lux Vie. You rarely see a separate charge for the conversion.

Where the conversion happens affects how much arrives. Often it is cheaper if you send EUR directly via a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR change during the day – some services let you fix a rate in advance. For regular payments, a slightly better rate add up over time.

How to check FTSILULL before you pay

Have the recipient send you their account details straight from their online banking. Check it with FTSILULL here.

With a wrong code, the payment might get stuck, be returned or cost extra, and tracing it can take weeks. Do not forget the account number: a mistake there can be harder to undo than a wrong BIC.

An automatic check in your banking app only tells you that the IBAN exists. More and more banks compare the payee name with the account. For a first payment, some people start with a small amount first before sending the rest.