SWIFT/BIC codes in Luxembourg: banks starting with L

SWIFT/BIC codes in Luxembourg

Our directory lists 494 banks and financial institutions in Luxembourg and 1051 SWIFT/BIC codes between them. You will need such a code mostly when making international transfers and for payments in a foreign currency.

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

Which bank in Luxembourg has the most codes?

Of all banks we list for Luxembourg, BNP Paribas Securities Services has the largest number of SWIFT codes. Its main office has PARBLU21XXX and that code covers most payments.

Practice differs in how many codes they register. If not a branch code is given, the head office code PARBLU21XXX works for a payment to BNP Paribas Securities Services.

Banks in Luxembourg beginning with the letter :letter

This page only shows the banks in Luxembourg whose name starts with :letter. The totals on this page apply to every bank we list and not only this letter.

Many institutions appear under their legal name, which may start with words like Bank or Banco. Use the full list for Luxembourg when you do not know how the name is spelled.

About our data and how to check a code

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given differs from the code listed here, do not guess: check with the recipient or the bank.

We collect bank codes using publicly available data and check our list regularly. Institutions merge, close branches and retire codes – a directory can be a step behind. Treat this list as a reference, not as the final word. GoldexPay is an independent comparison service for money transfers and not part of any bank listed here.

Scammers often use payment requests with new bank details. Before paying, verify a change of bank details by phone, using a number you already had.

The cheapest way to send money to Luxembourg

A bank transfer to Luxembourg can cost more than the fee suggests. Besides the fee, correspondent banks may deduct a charge, and when the money is converted the bank usually applies a less favourable rate than the actual market rate.

The real cost is often in the rate, not in the fee. A simple test: set the offered rate next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. Before you send money to Luxembourg, take a minute to compare the total cost via GoldexPay.

What a sender needs to pay you in Luxembourg

When you expect money from abroad on an account in Luxembourg, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and, often, your address.

Your bank’s code appears in our list but always compare it with your own bank details. It helps to include the name and city of your bank, since some payment forms ask for it.

The amount you receive can be less than what was sent. Charges on incoming payments differ per bank; check the price list of your bank. For business payments, state how the fees are split to avoid a shortfall.

SEPA transfers to Luxembourg

Since Luxembourg is in the SEPA zone, a euro transfer to an account in Luxembourg usually only needs an IBAN. Many banks no longer ask for the BIC in that case.

You will still need a SWIFT code when sending payments in other currencies or money from outside the SEPA area. Euro payments within SEPA usually arrive within one business day or faster with instant payments. Fees are generally low as long as everything stays in euros.

The Euro (EUR) and conversion costs

Luxembourg uses the Euro, with the currency code EUR. A payment in a foreign currency will be converted into EUR on its way to the recipient.

Which bank converts the money matters. Check how much EUR the recipient gets via different providers; the difference between options can be larger than you expect. Rates for EUR change during the day.

The structure of a Luxembourg SWIFT/BIC code

SWIFT/BIC codes use one international format: 8 characters plus an optional three-character extension. The first four letters stand for the bank, the fifth and sixth characters are the country code and the next two mark the location.

No matter which bank, all Luxembourg codes share the same country code in positions five and six. Codes with a different country code come from another country, even if the bank name looks familiar.

An 11-character code adds three characters for a branch. Use a branch code just if the recipient explicitly gives you one.

When does money sent to Luxembourg arrive?

How fast money reaches Luxembourg depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country add a day or more, because banks do not process payments on those days.

Many banks use SWIFT gpi for faster and traceable payments. Each payment carries a unique reference, the UETR, which the sending bank can use to trace it. Keep your transfer receipt until the recipient confirms; a bank needs it to start a trace.