SWIFT/BIC codes in Luxembourg: banks starting with R

SWIFT/BIC codes in Luxembourg

This overview covers 494 banks and financial institutions in Luxembourg and 1051 SWIFT/BIC codes between them. Each code points to a bank or one of its branches.

Choose a bank below to view its head office code and its other codes. Further down we explain 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.

Sending money to Luxembourg for less

If you transfer money to Luxembourg via your bank, the stated fee is only part of the cost. On top of the fee, correspondent banks can deduct a charge, and when the money is converted the bank often applies a less favourable rate than the real market rate.

That exchange rate margin tends to be the biggest part of the cost. Check the rate you are offered against the mid-market rate that you find on financial sites. The difference is your real cost.

Specialised transfer providers often offer a rate near the mid-market rate with clearer fees. On GoldexPay we compare what recipients in Luxembourg receive across providers, which makes the cheapest option easy to spot.

Paying in euros to Luxembourg

Within the SEPA zone, euro payments to Luxembourg use common rules. A field for the BIC is often optional for those payments.

You still need the BIC for non-euro payments or money from outside the SEPA area. Euro payments within SEPA usually arrive within one business day or faster with instant payments. As long as no conversion is involved, the transfer tends to be cheap.

Transfer times to Luxembourg

There is no single delivery time for transfers to Luxembourg: some arrive the same day or the next, others take several business days. Bank holidays in either country add a day or more, because banks do not process payments on those days.

Many banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR. Keep your transfer receipt until the recipient confirms; a bank needs it to start a trace.

Incoming international payments in Luxembourg

To receive an international payment in Luxembourg, the sender needs not just the SWIFT code. Give them the account holder’s name, the IBAN or account number, the BIC of your bank and your address, which some banks require.

Your bank’s code appears in the list on this page. Certain sending banks also want the name and address of your bank; it does no harm to include it.

What lands in your account can be lower than what was sent. Fees for incoming transfers differ per bank – your bank’s price list tells you what applies. For business payments, agree how the fees are split, so nobody is left short.

The structure of a Luxembourg SWIFT/BIC code

Every SWIFT/BIC code has eight or eleven characters, always in the same order. Characters one to four identify the bank, characters five and six are the country code and characters seven and eight give the location.

No matter which bank, every code from Luxembourg have the same country code in positions five and six, namely the ISO code of Luxembourg. Codes with a different country code come from another country, even if the bank name looks familiar.

If the last three are XXX, it means the main office and the short version works just as well. Use a branch code only if the recipient explicitly gives you one – otherwise stick with the head office.

The largest SWIFT network in Luxembourg: BNP Paribas Securities Services

Of the 494 banks in Luxembourg, BNP Paribas Securities Services is listed with the most codes. The head office of BNP Paribas Securities Services uses PARBLU21XXX; that is usually the right code for a transfer.

Many codes often means that the bank registers branches and departments separately. Unless a branch code is given, PARBLU21XXX is fine for transfers to this bank.

Sending EUR to Luxembourg

Luxembourg uses the Euro (EUR). Money sent in a different currency will be converted into EUR before it reaches the account, and whoever converts it chooses the rate.

Who does the conversion has an effect on the final amount. Check what EUR arrives via different providers; the difference between options can be larger than you expect. On larger amounts, even a small difference in the rate can be worth more than the fee.

SWIFT codes in Luxembourg: banks under :letter

This page shows only the banks in Luxembourg whose name starts with :letter. The totals mentioned here apply to all 494 banks, not just the ones under :letter.

Some banks appear under their legal name. The complete list remains one click away if the letter filter does not help.

About our data and how to check a code

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. An incorrect BIC can cause a delay, a returned payment or extra fees, so compare it with the list on this page.

Our SWIFT/BIC directory draws on public sources and is updated regularly. Banks reorganise, change names and retire codes. For a payment that matters, confirm the BIC with the recipient’s bank. GoldexPay is an independent comparison site.

Fraudsters regularly send payment requests with new bank details that look completely genuine. A real SWIFT code says nothing about whether a request is genuine – scammers use the codes of real banks.