SWIFT/BIC codes in Luxembourg: banks starting with K

Bank SWIFT codes for Luxembourg

In Luxembourg we have 1051 SWIFT/BIC codes from 494 banks. You need such a code mainly for payments across borders and for payments in a foreign currency.

Each bank has its own page showing the head office code and, where available, codes for branches and departments. Below the list we explain how a code from Luxembourg is put together, how to send money there at a fair price and what to check before you pay.

Transfer times to Luxembourg

How quickly a payment arrives in Luxembourg is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country add a day or more.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR. Keep the payment confirmation until the money has arrived; a bank needs it to start a trace.

The largest SWIFT network in Luxembourg: BNP Paribas Securities Services

In our directory, BNP Paribas Securities Services holds the largest number of SWIFT/BIC codes of all banks in Luxembourg. Its main office uses PARBLU21XXX.

The number of codes says more about how it registers branches and services than about how big it is. Paying someone at BNP Paribas Securities Services? Use PARBLU21XXX unless a specific branch code is requested.

The Euro (EUR) and conversion costs

The local currency in Luxembourg is the Euro (EUR). Money sent in a different currency will be converted into EUR before it reaches the account – and the bank that does it picks the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Compare what EUR arrives via different services before choosing one. Rates for EUR move during the day, so a quote is usually valid only briefly.

Sending money to Luxembourg for less

What you pay for a payment to Luxembourg has several parts – not only the fee you see. There is the transfer fee, possibly fees from correspondent banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate – the bank builds a margin into its rate. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites.

Specialised transfer providers often offer a rate near the mid-market rate and lower fees. GoldexPay compares what recipients in Luxembourg receive across services.

What the letters in a Luxembourg BIC mean

Bank identifier codes follow one international format: eight characters plus an optional three-character extension. First comes four letters for the bank, then a two-letter country code and a two-character location code.

For banks in Luxembourg, characters five and six show the two-letter ISO code of Luxembourg, which makes these codes easy to recognise. When those two letters do not match Luxembourg, the code belongs to a bank in another country – worth double-checking.

The long version ends in three characters for a branch – XXX stands for the head office. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

About our data and how to check a code

The best place to find the right code remains a document from the bank itself, such as a statement or the account page in online banking. If the code you have differs from the code listed here, do not guess.

We collect bank codes from publicly available data and update them from time to time. Institutions reorganise, change names and retire codes – a directory can be a step behind. For any payment that matters, confirm the code with the recipient’s bank. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Be wary of invoices with changed bank details. Before paying, verify a change of bank details through a separate channel.

SWIFT codes in Luxembourg: banks under :letter

You are looking at a selection: just institutions in Luxembourg whose name begins with :letter. The figures for Luxembourg mentioned here apply to every bank we list, not just the ones under :letter.

Cannot find the bank? The registered name may start with a different letter. The full overview for Luxembourg remains available if you cannot find the bank here.

SEPA transfers to Luxembourg

Inside SEPA, euro transfers to Luxembourg follow common rules and in most cases need only the IBAN. The BIC field is often optional in that case.

You still need the BIC when sending non-euro payments or money from outside the SEPA area. Euro payments within SEPA normally land by the next business day or faster with instant payments. Provided the payment stays in euros, a SEPA transfer is usually cheap.

Receiving money in Luxembourg from abroad

If you are waiting for a payment from another country on an account in Luxembourg, send the payer all details at once. In practice that means: your full name as your bank knows it, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Your bank’s code is in the list on this page, yet the version on your own statement or in your banking app is leading. You can include your bank’s name and city because some forms have separate fields for it.

Expect that the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank; check the price list of your bank. Make clear with the sender who pays which costs before the money is sent.