ING Luxembourg S.A. (Formerly Credit Europeen S.A.) SWIFT/BIC code

SWIFT/BIC code of ING Luxembourg S.A. (Formerly Credit Europeen S.A.)

Whether a recipient gives you CELLLULL or CELLLULLXXX, it is the same address for ING Luxembourg S.A. (Formerly Credit Europeen S.A.) in Luxembourg. Banks worldwide use BIC codes to route international transfers to the correct institution. In daily life you usually come across the code on international invoices, in payment forms and on the account details of ING Luxembourg S.A. (Formerly Credit Europeen S.A.) customers.

This page is meant to help anyone who receives money at an account at ING Luxembourg S.A. (Formerly Credit Europeen S.A.) without mistakes. Keep in mind that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

Choosing between the 4 SWIFT codes of ING Luxembourg S.A. (Formerly Credit Europeen S.A.)

Having 4 codes in 1 cities, ING Luxembourg S.A. (Formerly Credit Europeen S.A.) belongs to the banks that use separate codes for parts of the organisation and departments. The main code remains CELLLULLXXX.

For most incoming transfers, the head office code CELLLULLXXX is what you need. Only use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than the head office code.

How long does an international transfer to ING Luxembourg S.A. (Formerly Credit Europeen S.A.) take?

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Extra checks by one of the banks may also add some delay.

If the money is delayed, contact your bank about the status so they can trace it along the chain. Save the payment confirmation until the money has arrived.

A delayed transfer has to be traced from the sending side on the basis of the transfer details. Request from the sender the payment receipt with the date and reference.

Euro (EUR) and conversion costs

The currency of Luxembourg is the Euro (EUR). When you pay another currency, the amount gets converted somewhere along the way. You rarely see a separate line for the conversion – the cost sits in the rate.

Which bank converts the payment matters, because each party uses its own rate. Check what EUR the recipient gets via different providers.

Rates for EUR move all the time. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Scams that use SWIFT codes

Be alert if someone unexpectedly wants you to pay into a different account abroad. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never trust a phone number from the same email that announces the change. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank straight away and have them try to recall the payment.

Fraud can also target the receiver: someone sends more than agreed and wants you to return the difference to a new account. A screenshot of a transfer is no proof – check your own account.

CELLLULL or CELLLULLXXX – which one to use?

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. Together, these eight characters make up CELLLULL.

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.

In practice the code is typed in capitals. A single letter may route the money to another bank.

Is CELLLULL still correct? How to check

Ask the recipient to send you their bank details directly from their banking app. When the code you were given differs from CELLLULL or CELLLULLXXX, do not guess – contact the recipient or ING Luxembourg S.A. (Formerly Credit Europeen S.A.).

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

An automatic check by your bank merely tells you that the code exists, not that it is the right account. Some banks now compare the payee name with the account; take any warning seriously. For a first payment, some people start with a small amount first before sending the rest.

Paying someone abroad from your ING Luxembourg S.A. (Formerly Credit Europeen S.A.) account

What you pay for an international transfer is made up of several parts. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency the bank often uses a rate that is less favourable than the real market rate.

Banks rarely list the margin on the rate as a cost. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many currency pairs, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. GoldexPay lists these services side by side, showing the amount the recipient gets before you commit. Using a transfer service does not require leaving ING Luxembourg S.A. (Formerly Credit Europeen S.A.) – you pay the provider from your own account.

Paying ING Luxembourg S.A. (Formerly Credit Europeen S.A.) in euros within SEPA

Luxembourg is part of the SEPA area, the zone for standardised euro payments. When you send euros from another SEPA country, the IBAN is usually enough.

For anything other than euros and for senders outside SEPA, CELLLULLXXX is still part of the payment details. Some forms still ask for the BIC out of habit; if so, fill in CELLLULL or CELLLULLXXX.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, the transfer tends to be inexpensive.

Incoming international payments to ING Luxembourg S.A. (Formerly Credit Europeen S.A.)

If you are waiting for a payment from another country, send the payer everything they need in one go. What they need is: the account holder’s name, account number or IBAN, CELLLULLXXX or CELLLULL and in many cases your postal address.

It helps to include ING Luxembourg S.A. (Formerly Credit Europeen S.A.) and its city as well, since some forms ask for it. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin applies. For business payments, you can state who bears the costs.

About this information

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. Still, banks merge, rename themselves or retire codes. The number of codes we show reflect what is in our directory.

Use this page as a reference, rather than as the last word. GoldexPay is an independent comparison service for money transfers and not affiliated with ING Luxembourg S.A. (Formerly Credit Europeen S.A.). Found an error? Let us know via our contact form and we will look into it.