Societe Generale Bank and Trust S.A. SWIFT/BIC code

SGABLULL – the SWIFT/BIC code of Societe Generale Bank and Trust S.A.

SGABLULL and SGABLULLXXX are the short and the long form of the same bank identifier, and both point to Societe Generale Bank and Trust S.A. in Luxembourg. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

On this page you will find what the code means, when you need it and which other details you need for a transfer to or from Societe Generale Bank and Trust S.A.. Remember that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

Scams that use SWIFT codes

Be wary when a contact unexpectedly wants you to pay into another account or a bank in another country. A real SWIFT code says nothing about who owns the account.

Always verify a change of bank details by phone. Watch out for time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money is actually in your account.

What to give a sender who pays you at Societe Generale Bank and Trust S.A.

When you expect a payment from another country, send the payer a complete set of details. The basics are: the account holder’s name, account number or IBAN, SGABLULLXXX and in many cases your postal address.

It helps to include Societe Generale Bank and Trust S.A. and Luxembourg as well, since some forms ask for it. A typo in the IBAN can be harder to fix than it looks, so copy the details from your online banking.

The amount you receive can be less than the amount sent. Charges on incoming payments differ per bank – the price list of Societe Generale Bank and Trust S.A. tells you what applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

A note on our data

The directory on GoldexPay draws on public sources and we update it periodically. Even so, banks merge or retire codes and our data may lag behind. The figures on this page reflect what is in our directory, not official figures from Societe Generale Bank and Trust S.A..

Use our data as a reference, not as the last word. GoldexPay is an independent comparison site for money transfers and not affiliated with Societe Generale Bank and Trust S.A.. Should you notice a mistake, we appreciate a short note.

Paying into Societe Generale Bank and Trust S.A. in EUR

The national currency of Luxembourg is the Euro (EUR). A payment in a foreign currency is converted into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Which bank converts the payment makes a difference: every bank has its own margin. Compare how much EUR the recipient gets with different services; the difference between options can be larger than you expect.

Rates for EUR move all the time. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

Transfer times and tracking a payment to Societe Generale Bank and Trust S.A.

There is no single delivery time: some arrive within a day, others take several business days. Weekends and public holidays in either country add a day or more to the journey. Sometimes a bank wants to know what the payment is for.

If the money is late, ask the sending bank for the tracking status or the UETR so they can trace it along the chain. Money transfer services usually show a status online showing where the payment is.

A missing payment has to be investigated from the sending side. As a recipient, it helps to check your account for a slightly lower amount, since fees may have been deducted.

Head office or branch code at Societe Generale Bank and Trust S.A.?

Our directory lists 3 SWIFT/BIC codes for Societe Generale Bank and Trust S.A.. Next to the head office code SGABLULLXXX, there are codes for individual branches and departments.

For most payments to a private or business account, the head office code SGABLULLXXX works fine. Branch codes are only needed if the recipient’s bank specifically mentions it.

Not sure which code applies? Check with the recipient. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

8 or 11 characters: SGABLULL versus SGABLULLXXX

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. That gives you SGABLULL for Societe Generale Bank and Trust S.A..

Most payment forms accept either length. If yours requires eleven characters, enter SGABLULLXXX.

Do not add spaces, dots when you type SGABLULL. Copying the code is safer than typing it by hand.

Euro transfers to Societe Generale Bank and Trust S.A.: is a BIC needed?

Since Luxembourg is part of the SEPA zone, a euro payment to Societe Generale Bank and Trust S.A. from within the SEPA area usually requires just an IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

You still need SGABLULLXXX when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC regardless, adding SGABLULL does no harm.

Instant euro transfers have become increasingly available across SEPA; check with Societe Generale Bank and Trust S.A. whether it applies to your account. Fees for SEPA payments tend to be low as long as everything stays in euros.

Paying someone abroad from your Societe Generale Bank and Trust S.A. account

The price of an international transfer has more than one component. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider is less expensive than a bank. GoldexPay compares the amount that arrives across services. You can always keep your account at Societe Generale Bank and Trust S.A., while a cheaper service handles the conversion.

Is SGABLULL still correct? How to check

Ask the recipient to send you their bank details directly from their online banking. Compare that code against SGABLULL on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause a delay, a payment being sent back or additional charges. Remember the account number: a mistake there can be harder to correct than a wrong BIC.

A format check by your bank only confirms that the IBAN exists, not that it is the right account. Some banks now check the payee name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is worth it for large sums.