SWIFT/BIC codes in Luxembourg: banks starting with H

Finding a SWIFT code in Luxembourg

Our directory covers 494 banks and financial institutions in Luxembourg. Every code points to a bank or a specific branch or department, so a payment from abroad reaches the right place.

Select a bank below to view the head office code and its other codes, plus practical notes for sending and receiving money. Below the list we explain how codes from Luxembourg are built, how to send money to Luxembourg without overpaying and how to check a code before you pay.

Sending money to Luxembourg for less

When you transfer money to Luxembourg with your bank, the fee you see is only part of what you pay. You pay the transfer fee, sometimes charges from intermediary banks along the way and, above all, the exchange rate markup when currencies differ.

The real cost is often in the rate, rather than in the fee. Compare the rate you are offered against the mid-market rate that you find on financial sites; the gap is what conversion costs you.

Specialised transfer providers frequently offer a rate near the mid-market rate with clearer fees. GoldexPay compares these providers next to each other, showing the amount that reaches the recipient for the same amount sent.

What the letters in a Luxembourg BIC mean

Each SWIFT/BIC code consists of eight or eleven characters, always in the same order. First comes four letters for the bank, then a two-letter country code and a two-character location code.

You can recognise a code from Luxembourg from the fifth and sixth characters – those always form the country code of Luxembourg. A code with other letters in that position belong to a bank abroad.

If the last three are XXX, it refers to the head office and the short version works just as well. In most cases the head office code is what you need unless the recipient asks for a specific branch.

Transfer times to Luxembourg

There is no single delivery time for transfers to Luxembourg: some land within a day while others need several business days. Transfers sent late in the day or just before a weekend or public holiday often go out a business day later.

When a payment takes longer than expected, the sender should contact their own bank and ask for the status or the UETR – the receiving bank often cannot see a payment that has not arrived. Money transfer services usually provide a status in their app, which makes it easier to see where the money is.

What a sender needs to pay you in Luxembourg

A sender in another country needs several details about your account – incomplete details often cause delays. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address.

Your bank’s code is in the list on this page. You can add your bank’s name and city as well, since some payment forms ask for it.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. On invoices, state who bears the costs to avoid a shortfall.

Most SWIFT codes in Luxembourg: BNP Paribas Securities Services

BNP Paribas Securities Services leads our list for Luxembourg when it comes to SWIFT/BIC codes. The head office uses PARBLU21XXX – the code most transfers need.

A large number of codes often means separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Making a payment to BNP Paribas Securities Services? Use PARBLU21XXX except when the recipient gives you a branch code.

Luxembourg and the SEPA area

Because Luxembourg is in SEPA, a euro transfer to an account in Luxembourg normally requires just an IBAN. Many banks no longer ask for the BIC in that case.

You still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. Instant payments in euros are widely available 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.

Paying in EUR: what conversion costs you

Luxembourg pays in the Euro. If you send another currency, it gets converted at some point.

Who does the conversion affects the final amount, since every bank sets its own rate. Check what EUR arrives via different providers. With bigger transfers, a seemingly small gap in the rate adds up quickly.

Banks in Luxembourg beginning with the letter :letter

Here you see a selection: only banks in Luxembourg with a name starting with :letter. The totals mentioned above still cover the whole country and not only this selection.

Many institutions appear under their legal name. Try the full list for Luxembourg if you are not sure the exact name.

About our data and how to check a code

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account page in online banking. When the code you were given does not match our list, stop and ask: check with the recipient or the bank.

The directory on GoldexPay is compiled from public sources. Still, banks merge, rename themselves or change codes, so information can be out of date. Before any payment that matters, confirm the BIC with the recipient’s bank. GoldexPay is not a bank and is not affiliated with the banks listed.

Fraudsters regularly use fake invoices with changed 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.