RBC Investor Services Bank S.A. SWIFT/BIC code

RBC Investor Services Bank S.A. SWIFT code: FETALULL

FETALULL and FETALULLXXX are two ways of writing the same bank identifier, and both point to RBC Investor Services Bank S.A. in Esch-Sur-Alzette. Banks worldwide use these codes to route international transfers to the correct bank. In practice you usually see it on international invoices, in payment forms and on the account details of RBC Investor Services Bank S.A. customers.

Further down you will find the practical side: receiving money at RBC Investor Services Bank S.A., sending money abroad and how to check a SWIFT code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN is for.

Changed bank details? Be careful

A common scam works like this: an email arrives with a request claiming that a company has new bank details and asking you to pay there from now on. A correct SWIFT code tells you nothing about whether the request is genuine.

Check new bank details via a different channel like a call to a number from an earlier contract, not by replying to the message. Pressure or secrecy are red flags – a real supplier can wait a day. When a payment was sent to a fraudster, call your bank right away.

Scams also target the receiver: someone sends too much and wants you to return the extra to a new account. A screenshot of a transfer proves nothing – check your own account.

Incoming international payments to RBC Investor Services Bank S.A.

A sender in another country needs a few details about your account, and missing ones are a common cause of delays. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC FETALULLXXX (or FETALULL) and, often, your postal address.

The sender’s bank may also ask for the bank address of RBC Investor Services Bank S.A., in which case the Esch-Sur-Alzette head office is the usual answer. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be less than what was sent. Correspondent banks can take a fee, RBC Investor Services Bank S.A. may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who covers the fees.

FETALULL or FETALULLXXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. In this case, the 8-character core is FETALULL.

XXX at the end of FETALULLXXX is not a placeholder or a mistake: it stands for the head office of RBC Investor Services Bank S.A.. Some forms insist on 11 characters, in which case you simply enter XXX behind FETALULL.

Do not add spaces or dashes when you enter FETALULL. A wrong character may route the money to another bank.

How long does an international transfer to RBC Investor Services Bank S.A. take?

How quickly a payment reaches RBC Investor Services Bank S.A. depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent late in the day or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Keep the payment confirmation; it contains the details a bank needs to start a trace.

The bank that sent the money can request a trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt.

Do you need FETALULL for a SEPA transfer?

Luxembourg is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a standard euro transfer within SEPA, you normally only need the IBAN.

The BIC does matter when the currency is not euros, and for transfers from outside SEPA. Some forms also ask for the BIC; in that case, fill in FETALULL.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. As long as no currency is converted, the transfer is cheap.

How to check FETALULL before you pay

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. If the code you have does not match FETALULL or FETALULLXXX, do not guess – contact the recipient or RBC Investor Services Bank S.A..

With a wrong code, the transfer may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Do not forget the account number: an error there can be harder to correct than a wrong BIC.

Many banking apps check the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a payee name check on the recipient adds extra certainty. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

The Euro and what conversion costs you

Accounts at RBC Investor Services Bank S.A. are typically held in EUR, the national currency. Money sent in a different currency is exchanged into EUR on its way to RBC Investor Services Bank S.A. – and the bank that does it picks the rate. You rarely see a separate charge for the conversion; it is built into the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. In many cases it is cheaper if you send EUR straight away via a transfer service that converts near the mid-market rate.

Exchange rates change during the day. On larger amounts, a small gap in the rate can be worth more than the fee.

A note on our data

The details here come from public sources which we refresh regularly. It is possible that information on this page is out of date, for example after a merger. Figures such as the number of codes come from our directory.

For any payment that matters, always confirm the BIC with RBC Investor Services Bank S.A. or the recipient. GoldexPay has no connection to RBC Investor Services Bank S.A.; we are a comparison site for money transfers. Found an error? Let us know through the contact page.

Paying someone abroad from your RBC Investor Services Bank S.A. account

A bank transfer abroad costs rather more than the fee suggests. There is the transfer fee, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup when the money is converted.

The real cost is often in the rate, not in the fee: many 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.

Specialised transfer providers frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares transfer providers next to each other, showing the amount the recipient gets before you commit. You can still use your account at RBC Investor Services Bank S.A..

Which of the 6 codes of RBC Investor Services Bank S.A. do you need?

Our directory lists 6 SWIFT/BIC codes for RBC Investor Services Bank S.A. in 1 cities. Besides the head office code FETALULLXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use FETALULLXXX. When you receive a branch code, stick to it instead of replacing it for the head office code.

The safest approach is to copy the code directly from the account holder’s invoice. Codes can change when banks reorganise, so do not rely on old paperwork.