SWIFT/BIC codes in Luxembourg: banks starting with S

Bank SWIFT codes for Luxembourg

On this page you find the SWIFT/BIC codes of 494 banks in Luxembourg, 1051 codes in all. You will need such a code mainly for payments across borders and for payments in a foreign currency.

Pick the bank from the list to view the head office code and any branch codes along with tips for payments to and from that bank. Further down you can read how codes from Luxembourg are built, how to send money to Luxembourg without overpaying and how to check a code before you pay.

About our data and how to check a code

The safest source for the BIC is the recipient’s own bank details: an invoice, a statement or their online banking. An incorrect BIC can cause delays, a returned payment or additional charges, so compare it with the list on this page.

The directory on GoldexPay draws on public sources. Banks merge, close branches and change codes. Use this list as a starting point rather than the last word: the bank details from the recipient come first. GoldexPay is an independent comparison site and has no link to the banks in this list.

Watch out for payment requests containing changed bank details – a common fraud method. A real SWIFT code says nothing about whether a request is genuine.

SWIFT codes in Luxembourg: banks under :letter

This list shows only the banks in Luxembourg beginning with :letter, sorted alphabetically. The totals mentioned above always cover the whole country and not only this selection.

If the bank you need does not appear here, check another letter: banks are often registered under their full legal name. Try the full list for Luxembourg if you do not know how the name is spelled.

The Euro (EUR) and conversion costs

Most accounts in Luxembourg are usually held in EUR. Money sent in a different currency is exchanged into EUR.

Who does the conversion affects the final amount. In many cases you pay less if you send EUR directly via a transfer service that converts near the mid-market rate so the receiving bank does not need to convert again. On larger amounts, even a small gap in the rate can be worth more than the fee.

Euro payments to Luxembourg: is a BIC needed?

Inside SEPA, euro transfers to Luxembourg use common rules. The BIC field is often optional in that case.

You still need a SWIFT code when sending non-euro payments or money from outside the SEPA area. Instant payments in euros are widely available within SEPA, though not every bank offers them for every account. Costs stay low as long as everything stays in euros; the conversion is where it gets expensive.

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. On top of the fee, intermediary banks can take a cut, and when the money is converted the bank usually uses a less favourable rate than the real market rate.

The real cost is often in the rate, rather than in the fee: banks convert at a rate with a margin built in. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For many routes, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the exchange rate. Before your next transfer to Luxembourg, take a minute comparing the total cost on GoldexPay instead of going straight to your bank.

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. Payments made after the cut-off time or on weekends and holidays usually start the next business day.

When a payment takes longer than expected, the sender should contact the sending bank. Keep your transfer receipt; a bank needs it to start a trace.

The structure of a Luxembourg SWIFT/BIC code

Every SWIFT/BIC code has 8 or 11 characters. It starts with four letters for the bank, followed by a two-letter country code and a two-character location code.

For banks in Luxembourg, letters five and six are the two-letter ISO code of Luxembourg, which makes these codes easy to recognise. If those two letters point to another country, the code belongs to a bank in another country, so check again.

The last three characters, if present, identify a branch or department; XXX means the head office. For most transfers the head office code is fine.

BNP Paribas Securities Services and its SWIFT codes

Among the 494 institutions we list, BNP Paribas Securities Services holds the largest number of SWIFT/BIC codes in Luxembourg. Its main office uses PARBLU21XXX.

Banks differ in how many codes they register – a high count is not a measure of size. Paying someone at BNP Paribas Securities Services? Go with PARBLU21XXX except when a specific branch code is requested.

Receiving money in Luxembourg from abroad

Someone abroad who wants to pay you needs several details about your account. In practice that means: your full name as your bank knows it, your IBAN or account number, the BIC of your bank and sometimes your address.

Find the bank in the list above to check its code. Certain banks also want the name and address of your bank; it does no harm to include it.

Expect that the amount credited is below what the sender paid. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. For business payments, state who bears the costs, so nobody is left short.