SWIFT/BIC codes in Luxembourg: banks starting with J

Bank SWIFT codes for Luxembourg

In Luxembourg our database holds 1051 SWIFT/BIC codes. Every code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Pick a bank below to view the head office code and its other codes along with tips for payments to and from that bank. The sections below explain how the codes work, what transfers cost and how to avoid mistakes before you send money.

Incoming international payments in Luxembourg

To receive a transfer from abroad in Luxembourg, the person paying you has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address.

The code of your bank appears in our list, yet the version on your own statement or in your banking app is leading. It helps to include your bank’s name and city as well.

Do not be surprised if the amount credited is smaller than what the sender paid. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who pays which costs before the money is sent.

Paying in euros to Luxembourg

Inside SEPA, euro payments to Luxembourg follow common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

You still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. Euro payments within SEPA normally land within one business day or faster with instant payments. Provided the payment stays in euros, the transfer tends to be cheap.

How SWIFT codes from Luxembourg are built

SWIFT/BIC codes use one international format: eight characters. First comes a four-letter bank code, then a two-letter country code and a two-character location code.

You can recognise a code from Luxembourg by the fifth and sixth characters: they always show the ISO country code of Luxembourg. A code with other letters in that position belong to another country, even if the bank name looks familiar.

An 11-character code adds three characters for a branch – XXX stands for the head office. Use a branch code only if the recipient’s bank asks for it – otherwise stick with the head office.

SWIFT codes in Luxembourg: banks under :letter

This list shows only banks in Luxembourg beginning with :letter, sorted alphabetically. The figures for Luxembourg mentioned here cover all 494 banks, not just the ones under :letter.

Many institutions appear under their official name. The complete list remains available when the letter filter does not help.

About our data and how to check a code

The most reliable source for the BIC is the bank details provided by the recipient. A wrong code can cause delays, a payment being sent back or additional charges.

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Even so, banks merge, rename themselves or change codes, so information can be out of date. For any payment that matters, confirm the code with the recipient. GoldexPay is a comparison service for money transfers, not a bank.

Watch out for invoices containing a new account – a common fraud method. Before paying, verify changed details by phone.

Which bank in Luxembourg has the most codes?

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

How many codes a bank has says more about how it organises its payments than about its size. If not a branch code is given, the head office code PARBLU21XXX works for transfers to this bank.

Transfer times to Luxembourg

How fast money arrives in Luxembourg depends on several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Public holidays in Luxembourg or in the sending country add extra days, because banks do not process payments on those days.

When a payment takes longer than expected, ask the sender to contact their own bank for a trace; only the sending side can start an official trace. Money transfer services usually provide tracking in their app, which makes it easier to see where the money is.

Luxembourg and the Euro

Luxembourg uses the Euro (EUR). When you pay another currency, it has to be converted at some point – by your bank, a bank in between or the recipient’s bank.

Who converts the payment makes a difference, because each party uses its own rate. In many cases you pay less to send EUR directly through a provider that converts near the mid-market rate so the receiving bank does not need to convert again. On larger amounts, even a small difference in the rate adds up quickly.

Bank or transfer service for Luxembourg?

If you send money to Luxembourg through your bank, the stated fee is only part of the cost. There is a transfer fee, sometimes charges from intermediary banks and, above all, the margin on the exchange rate.

The real cost is often in the rate – the bank builds a margin into its rate. An easy check: set the offered rate against the mid-market rate and look at the difference.

For many routes, a transfer service turns out to be less expensive than a bank. GoldexPay compares what recipients in Luxembourg receive with different services, which makes the cheapest option easy to spot.