SWIFT/BIC codes in Luxembourg: banks starting with D

SWIFT/BIC codes in Luxembourg

Our directory covers 494 banks and financial institutions in Luxembourg, with 1051 SWIFT/BIC codes in total. Every code points to an institution or a specific branch or department, so a payment from abroad reaches the right place.

Every bank is listed with its own page showing its main code and if there are any, branch codes. Below the list we explain how a code from Luxembourg is put together, how to send money there without overpaying and what to check before you pay.

Filter: banks in Luxembourg with :letter

You are looking at a selection: just institutions in Luxembourg whose name begins with :letter. The totals mentioned here apply to all 494 banks, not just the ones under :letter.

If a bank is missing here, try another letter: banks are often registered under their full legal name. Use the full list for Luxembourg when you are not sure how the name is spelled.

How reliable is this list?

The safest source for the BIC is the bank details provided by the recipient. A wrong code can cause delays, a returned payment or extra fees.

The directory on GoldexPay draws on public sources that we update periodically. Banks reorganise, close branches and change codes. Treat our data as a reference, not as the final word. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers regularly use fake invoices carrying new bank details from what looks like a familiar address. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

Euro payments to Luxembourg: is a BIC needed?

Within the SEPA zone, euro transfers to Luxembourg follow the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional for those payments.

A SWIFT code still come into play for payments in other currencies and when the money comes from outside SEPA. Instant euro transfers are widely supported within SEPA, though not every bank offers them for every account. Fees are generally low provided no currency is converted – conversion is what costs money.

When does money sent to Luxembourg arrive?

A SWIFT payment to Luxembourg typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made late in the day or just before a weekend or public holiday usually start the next business day.

Many banks use SWIFT gpi. Each payment gets a unique reference, the UETR that banks can use to see where the money is. Money transfer services often provide tracking in their app so you can follow the payment.

Receiving money in Luxembourg from abroad

To receive an international payment in Luxembourg, the sender needs not just the SWIFT code. Share your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

Find your bank in the list above to check its code, but take the code from your own bank details when in doubt. Some banks also ask for your bank’s address, so keep it at hand.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments differ per bank. For business payments, state who bears the costs, so nobody is left short.

The Euro (EUR) and conversion costs

The local currency in Luxembourg is the Euro (EUR). If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or the receiving bank.

Who converts the money makes a difference: every bank has its own margin. Compare what EUR arrives with several services; the difference between options can be larger than you expect. Exchange rates change during the day – some providers let you lock in a rate.

Bank or transfer service for Luxembourg?

If you transfer money to Luxembourg through your bank, the stated fee is rarely all of what you pay. On top of the fee, intermediary banks may take a cut, and when the money is converted the bank often applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate – the bank builds a margin into its rate. A simple test: put the offered rate against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the exchange rate. GoldexPay compares the amount that arrives in Luxembourg across services, so you can pick the cheapest route.

Recognising a SWIFT code from Luxembourg

A BIC is 8 or 11 characters long. It starts with a four-letter bank code, then two letters for the country and two characters for the location.

For banks in Luxembourg, letters five and six show the ISO country code of Luxembourg. Codes with a different country code belong to a bank abroad, even if the bank name looks familiar.

The optional last three characters identify a specific branch; XXX means the head office. In most cases the head office code is fine, unless the recipient gives you a branch code.

BNP Paribas Securities Services and its SWIFT codes

Among the 494 institutions we list, BNP Paribas Securities Services has the largest number of SWIFT/BIC codes of all banks in Luxembourg. The head office of BNP Paribas Securities Services has PARBLU21XXX.

Practice differs in how many codes they register – a high count is not a measure of size. Paying someone at BNP Paribas Securities Services? Go with PARBLU21XXX unless a specific branch code is requested.