SWIFT/BIC codes in Luxembourg: banks starting with F

Bank SWIFT codes for Luxembourg

On this page you find codes for 494 institutions in Luxembourg. A BIC shows the banks handling a transfer exactly which bank should receive an international payment.

Every bank is listed with its own page showing the head office code and, where available, branch codes. The rest of this page covers the structure of the codes, what transfers cost and the checks worth doing before you send money.

When does money sent to Luxembourg arrive?

A SWIFT payment to Luxembourg typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before weekends and holidays usually go out the next business day.

If the money seems delayed, the sender should contact the sending bank for a trace; only the sending side can start an official trace. Keep your transfer receipt until the money has arrived; a bank needs it to start a trace.

BNP Paribas Securities Services and its SWIFT codes

In our data, BNP Paribas Securities Services holds the largest number of SWIFT/BIC codes in Luxembourg. Its head office code is PARBLU21XXX – the code most transfers need.

Many codes often means that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Unless the recipient asks for a branch, PARBLU21XXX is fine for transfers to this bank.

Luxembourg and the SEPA area

Since Luxembourg is in SEPA, a euro payment to an account in Luxembourg usually only needs an IBAN. Many banks no longer ask for the BIC for these payments.

You will still need the BIC for payments in other currencies or transfers from countries outside SEPA. Instant euro transfers have become increasingly supported within SEPA. As long as the payment stays in euros, the transfer tends to be inexpensive.

What a transfer to Luxembourg really costs

The price of a transfer to Luxembourg is made up of more than one component. Besides a fixed fee, correspondent banks may take a cut, and when the money is converted the bank usually uses a less favourable rate than the actual market rate.

That exchange rate margin tends to be the largest cost item because it is hidden in the rate. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate and lower fees. On GoldexPay you can compare the amount that arrives in Luxembourg across providers.

Luxembourg and the Euro

Luxembourg uses the Euro. Money sent in a different currency is exchanged into EUR on its way to the recipient.

Who does the conversion has an effect on the final amount. Often it is cheaper if you send EUR straight away via a transfer service with a good rate. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

How SWIFT codes from Luxembourg are built

Bank identifier codes follow the same format worldwide: 8 characters, sometimes followed by three more. Characters one to four stand for the bank, the fifth and sixth characters form the country code and characters seven and eight mark the location.

No matter which bank, every code from Luxembourg share the same country code in positions five and six, namely the ISO code of Luxembourg. If the country letters point to another country, the code belongs to a bank somewhere else.

An 11-character code ends in a branch code – XXX stands for the head office. For most transfers the head office code is fine, unless the recipient gives you a branch code.

Filter: banks in Luxembourg with :letter

This filter limits the list to banks from Luxembourg that begin with :letter to make searching quicker. The totals mentioned above still refer to all banks in Luxembourg, not just this letter.

Bank not listed? The registered name may begin with another word – think of the full legal name instead of the brand. Use the full list for Luxembourg if you are not sure how the name is spelled.

Verifying a SWIFT code from Luxembourg

Ask the recipient to copy their bank details straight from their online banking. An incorrect BIC may lead to delays, a returned payment or additional charges.

Our SWIFT/BIC directory draws on public sources. Still, banks merge or change codes. Use this list as a starting point, not as the final word; the recipient’s bank details are leading. GoldexPay is not a bank and has no link to the banks in this list.

Scammers often use fake invoices with changed bank details that look completely genuine. Before paying, confirm a change of bank details through a separate channel on a number you know.

Receiving money in Luxembourg from abroad

For an international payment in Luxembourg, the person paying you needs more than the BIC. In practice that means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and sometimes your postal address.

Your bank’s code is in the list on this page. Some sending banks may also want your bank’s address.

What lands in your account is often lower than the amount sent. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. Make clear with the sender who pays which costs before the money is sent.