SWIFT/BIC codes in Luxembourg: banks starting with N

Luxembourg: banks and their SWIFT/BIC codes

In Luxembourg our database holds 1051 SWIFT/BIC codes. You need such a code mainly when making international transfers and for payments in a foreign currency.

Every bank has its own page showing its main code and, where available, codes for branches and departments. Further down you can read how a code from Luxembourg is put together, how to send money to Luxembourg at a fair price and how to check a code before you pay.

Paying in euros to Luxembourg

Luxembourg is part of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

A SWIFT code does matter when the currency is not euros. Instant payments in euros have become widely available within SEPA – check whether your bank supports them. As long as no conversion is involved, a SEPA transfer is usually inexpensive.

Transfer times to Luxembourg

A SWIFT payment to Luxembourg typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Public holidays in Luxembourg or in the sending country can add a day or more.

If the money is delayed, the sender should contact the sending bank. Keep your transfer receipt until the recipient confirms – you will need it if something goes wrong.

Bank or transfer service for Luxembourg?

What you pay for a transfer to Luxembourg is made up of more than one component – not only the fee you see. There is the transfer fee, sometimes charges from intermediary banks and, most importantly, the margin on the exchange rate when currencies differ.

Most of the cost usually sits in the exchange rate, not in the fee: banks convert at a rate with a margin built in. An easy check: set the rate you get against the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate and lower fees. Before your next transfer to Luxembourg, take a minute to compare what arrives via GoldexPay.

How SWIFT codes from Luxembourg are built

SWIFT/BIC codes follow one international format: 8 characters plus an optional three-character extension. Characters one to four identify the bank, characters five and six form the country code and characters seven and eight give the location.

For banks in Luxembourg, characters five and six show the ISO country code of Luxembourg. Codes with other letters in that position come from another country, even if the bank name looks familiar.

An 11-character code adds a branch code, where XXX means the head office. In most cases the head office code is fine, unless the recipient gives you a branch code.

Banks in Luxembourg beginning with the letter :letter

You are looking at a selection: just institutions in Luxembourg with a name starting with :letter. The counts in the introduction still refer to all banks in Luxembourg and not only this selection.

Some banks appear under their legal name, which may start with words like Bank or Banco, so the letter can differ from what you expect. Use the full list for Luxembourg if you do not know the exact name.

How reliable is this list?

The most reliable source for a SWIFT code is the bank details provided by the recipient. A wrong code can cause delays, a payment being sent back or additional charges, so compare it with the list on this page.

This list is compiled from public sources that we update periodically. Still, banks merge, rename themselves or change codes and our data may lag behind. For a payment that matters, check the code with the recipient. We are an independent comparison site and not part of any bank listed here.

Scammers regularly use fake invoices with new bank details from what looks like a familiar address. Before paying, confirm a change of bank details by phone.

Luxembourg and the Euro

The currency of Luxembourg is the Euro (EUR). Money sent in a different currency will be exchanged into EUR.

Which bank converts the money matters, because each party uses its own rate. Often you pay less if you send EUR directly through a transfer service with a good rate so the receiving bank does not need to convert again. On larger amounts, even a small difference in the rate can be worth more than the fee.

Most SWIFT codes in Luxembourg: BNP Paribas Securities Services

BNP Paribas Securities Services leads the list for Luxembourg in the number of SWIFT/BIC codes. Its head office code is PARBLU21XXX – the code most transfers need.

How many codes a bank has tells you something about how it registers branches and services than about how big it is. If not the recipient asks for a branch, PARBLU21XXX is fine for a payment to BNP Paribas Securities Services.

Getting paid from abroad into an account in Luxembourg

For a transfer from abroad into a Luxembourg account, the sender has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your postal 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 add the name and city of your bank as well.

The amount you receive is often less than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. For business payments, state who bears the costs to avoid a shortfall.