J.p. Morgan Bank Luxembourg S.A. SWIFT/BIC code

CHASLULA – the SWIFT/BIC code of J.p. Morgan Bank Luxembourg S.A.

The short code CHASLULA and the 11-character code CHASLULAXXX refer to the same bank: J.p. Morgan Bank Luxembourg S.A. in Luxembourg, Luxembourg. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct institution. It comes up mostly for transfers between countries or a currency.

On this page you will find how the code means, when you need it and what else a transfer to or from J.p. Morgan Bank Luxembourg S.A. requires. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number .

Choosing between the 11 SWIFT codes of J.p. Morgan Bank Luxembourg S.A.

With 11 codes in 2 locations, J.p. Morgan Bank Luxembourg S.A. belongs to the banks that use individual codes for parts of the organisation and departments. The head office code is CHASLULAXXX.

Unless the recipient tells you otherwise, go with CHASLULAXXX. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The safest approach is to take the code straight from the recipient’s statement. Branch codes are more prone to be retired than the head office code.

Is CHASLULA still correct? How to check

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with CHASLULA here and ask if anything does not match.

An incorrect BIC can cause delays, a returned payment or additional charges. Remember the IBAN: a mistake there can be more difficult to correct than a wrong code.

A format check in your banking app only confirms that the code exists. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

Sending money abroad from J.p. Morgan Bank Luxembourg S.A.

When you transfer money abroad via J.p. Morgan Bank Luxembourg S.A., the fee you see is only part of what you pay. Besides a fixed fee, banks in between may take a cut, and if currencies are converted, the bank usually applies a rate below the real market rate.

Banks do not show the margin on the rate as a cost. Compare their rate against the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute to compare the total cost via GoldexPay instead of going straight to your bank. Using a transfer service does not mean closing your account at J.p. Morgan Bank Luxembourg S.A.: you simply pay the service from your account.

Euro (EUR) and conversion costs

Luxembourg uses the Euro. If you send money in a different currency it gets converted at some point – by your bank, by J.p. Morgan Bank Luxembourg S.A. or by a bank in between. There is rarely a separate line for that conversion.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Transferring the money directly in EUR often prevents an extra conversion at the receiving end.

The rate for EUR changes constantly, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate make a real difference over a year.

What the XXX in CHASLULAXXX means

The structure of a BIC never changes: four characters for the institution, a two-letter country code and two for the location, plus an optional branch code. Combined, these eight characters make up CHASLULA, the code most people search for.

The full version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why CHASLULAXXX and CHASLULA lead to the same place.

Leave out spaces, dots when you type CHASLULA; the code is always written in one block. Copying the code is safer than retyping it.

Scams that use SWIFT codes

Be wary if someone unexpectedly asks you to send money to a different account or a bank in another country. That CHASLULA is a real code does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Never trust a phone number in the same message that announces the new account. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call the bank you paid from without delay and have them start a recall and report the fraud.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. Do not act before the money has really arrived.

A note on our data

This directory draws on publicly available sources and is updated regularly. It is possible that information on this page is no longer current, for example after a merger. The number of codes on this page are based on our own data.

See the information here as a handy check, and let the details from the recipient or J.p. Morgan Bank Luxembourg S.A. have the final say. GoldexPay is independent of J.p. Morgan Bank Luxembourg S.A., we only compare transfer services. Should you notice a mistake, we welcome a message.

How long does an international transfer to J.p. Morgan Bank Luxembourg S.A. take?

There is no single answer for every transfer: some land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show a status in their app so you can see where the payment is.

A delayed transfer is investigated by the sending bank on the basis of the transfer details. On the receiving end, it helps to look at your statements to see a slightly lower amount because fees can reduce the amount.

Incoming international payments to J.p. Morgan Bank Luxembourg S.A.

For an international payment at J.p. Morgan Bank Luxembourg S.A., the sender has to have not just the SWIFT code. Give them the account holder’s name, the IBAN or account number, the BIC CHASLULAXXX and your address.

Their bank may also ask for the bank address of J.p. Morgan Bank Luxembourg S.A.; the head office in Luxembourg is usually fine. Double-check the details before you send them.

An incoming payment does not always land in full. Correspondent banks can take a fee, J.p. Morgan Bank Luxembourg S.A. may charge for incoming payments, and if the currency changes, a markup on the rate applies. For business payments, it is common to agree how the fees are split, so that nobody is left short.

Do you need CHASLULA for a SEPA transfer?

Inside SEPA, euro payments to J.p. Morgan Bank Luxembourg S.A. use the same rules. The BIC field is usually optional or missing in that case.

The BIC still matter for payments in other currencies, and for transfers from outside SEPA. If your banking app has a field for the BIC anyway, entering CHASLULA is fine.

SEPA transfers normally land within one business day. Charges on SEPA transfers tend to be low as long as everything stays in euros.