Jpmorgan Asset Management (Europe) S.a.r.l. SWIFT/BIC code

SWIFT/BIC code of Jpmorgan Asset Management (Europe) S.a.r.l.

The short code RFLCLULX and the 11-character code RFLCLULXXXX refer to the same bank: Jpmorgan Asset Management (Europe) S.a.r.l.. Banks worldwide use BIC codes to route international transfers to the correct bank. In daily life you mostly come across it on invoices from abroad, in payment forms and on the account details of Jpmorgan Asset Management (Europe) S.a.r.l. customers.

Below you will find the practical side: receiving money at Jpmorgan Asset Management (Europe) S.a.r.l., paying someone in another country and how to verify the code before you confirm a payment. The BIC names an institution, never a specific account, which is why you always need the account number too.

Which of the 2 codes of Jpmorgan Asset Management (Europe) S.a.r.l. do you need?

With 2 codes in 1 cities, Jpmorgan Asset Management (Europe) S.a.r.l. is one of the banks that register individual codes for branches and departments. The head office code remains RFLCLULXXXX.

If nobody asks you for a branch code, go with RFLCLULXXXX or its short form RFLCLULX. Only use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

The safest approach is to take the code directly from the recipient’s bank details. Codes are sometimes changed or retired over time.

RFLCLULX or RFLCLULXXXX – which one to use?

The structure of a BIC never changes: four characters for the institution, two for the country and a two-character location code. For Jpmorgan Asset Management (Europe) S.a.r.l., that core is RFLCLULX.

The long version has a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, so RFLCLULXXXX and RFLCLULX are interchangeable.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. A wrong character may route a payment to another bank, so copy it carefully.

The Euro and what conversion costs you

The currency of Luxembourg is the Euro (EUR). When you pay money in a different currency it gets converted somewhere along the way. There is rarely a separate line for the conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Sending the amount already in EUR often prevents a second conversion at the receiving end, provided the rate you get is fair.

Rates for EUR move during the day. On larger amounts, a seemingly small gap in the rate adds up quickly.

Protect yourself against fake payment requests

Scammers regularly use payment requests with new bank details. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never rely on a phone number from the same email that announces the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank without delay and ask them to start a recall; also report it to the police.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

What to give a sender who pays you at Jpmorgan Asset Management (Europe) S.a.r.l.

Someone abroad who wants to pay you will ask for several details from you. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC RFLCLULXXXX (or RFLCLULX) and, often, your postal address.

Their bank may also ask for the address of your bank, in which case the Luxembourg head office is the usual answer. Double-check the details before you send them, because the sender’s bank usually copies them as is.

What lands in your account can be less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, you can agree how the fees are split to avoid a shortfall.

Before you send: check the Jpmorgan Asset Management (Europe) S.a.r.l. code

The most reliable source for a SWIFT code is the bank details provided by the recipient. Check it against RFLCLULX on this page.

Mistakes in the SWIFT code tend to be costly more than fatal: often the payment comes back, minus fees. Remember the IBAN: an error there can be more difficult to correct than a wrong BIC.

A format check in your banking app merely tells you that the IBAN exists. If your bank offers it, a name check on the recipient gives an extra layer of safety. When you pay someone new, many people start with a small test amount before sending the rest.

Where our SWIFT data comes from

The details here come from publicly available data that we update regularly. Banks merge, close branches and change codes. The number of codes on this page reflect what is in our directory, not official figures from Jpmorgan Asset Management (Europe) S.a.r.l..

Use this page as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is a comparison site for money transfers and not affiliated with Jpmorgan Asset Management (Europe) S.a.r.l.. Found outdated information? Tell us via our contact form and we will look into it.

Transfer times and tracking a payment to Jpmorgan Asset Management (Europe) S.a.r.l.

An international transfer usually needs one to a few business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or on a weekend or public holiday usually go out the next business day. Compliance checks by one of the banks may also cause a delay.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the sender needs to start with the bank that sent it rather than Jpmorgan Asset Management (Europe) S.a.r.l.. As a recipient, you can check your statements for a partial amount.

Sending money abroad from Jpmorgan Asset Management (Europe) S.a.r.l.

When you transfer money to another country through Jpmorgan Asset Management (Europe) S.a.r.l., the fee you see is rarely all of the cost. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency, the bank usually uses a rate below the actual market rate.

Banks do not show the margin on the rate separately – you only notice it if you compare. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers side by side, showing what actually arrives before you commit. You can still use your account at Jpmorgan Asset Management (Europe) S.a.r.l. to fund the transfer, while a cheaper service handles the conversion.

SEPA payments and the Jpmorgan Asset Management (Europe) S.a.r.l. BIC

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

You will still need RFLCLULXXXX for non-euro payments or transfers from countries outside SEPA. A few forms also show a field for the BIC; in that case, enter RFLCLULX.

Euro payments within SEPA normally land by the next business day. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.