State Street Bank International GMBH SWIFT/BIC code

SBOSLULX – the SWIFT/BIC code of State Street Bank International GMBH

SBOSLULX and SBOSLULXXXX are the short and the long form of the same SWIFT/BIC code, and both point to State Street Bank International GMBH in Luxembourg. A SWIFT code tells the banks handling a payment exactly which bank should receive the money, much like a postcode for banks. In practice you usually come across the code on invoices from abroad, in your banking app and on the account details of State Street Bank International GMBH customers.

On this page you will find how the code is put together, when you need it and which other details you need for a transfer to or from State Street Bank International GMBH. Remember that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message claiming that a supplier now has a new bank account and asking you to pay there from now on. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check new payment details through a separate channel. Urgency and requests to keep it quiet are warning signs – a real supplier can wait a day. Acted too fast? Contact your bank straight away and have them try to recall the payment and report the fraud.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference to another account. A screenshot of a transfer proves nothing – check your own account.

About this information

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. Banks merge, change names and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory.

See our directory on this page as a helpful check and rely on the recipient or State Street Bank International GMBH for the final confirmation. We are a comparison site for money transfers and not affiliated with State Street Bank International GMBH. If you notice a mistake, we welcome a short note via the contact page.

When will the money arrive at State Street Bank International GMBH?

How quickly a transfer reaches State Street Bank International GMBH depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or on a weekend or public holiday often go out a business day later. Compliance checks on larger or unusual payments may also add a delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR. Keep your transfer receipt – you will need it for any trace request.

The bank that sent the money can start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, it helps to check your account for a partial amount because fees can reduce the amount.

Paying State Street Bank International GMBH in euros within SEPA

Luxembourg is part of the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

For anything other than euros and for senders outside SEPA, SBOSLULXXXX or SBOSLULX remains required. A few forms still ask for the BIC out of habit; if so, enter SBOSLULX or SBOSLULXXXX.

Instant euro transfers have become increasingly supported within SEPA – whether State Street Bank International GMBH offers them for your account is worth checking. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

What the XXX in SBOSLULXXXX means

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six show the country and characters seven and eight mark the location. Together, those parts make up SBOSLULX – the version you usually see online.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so SBOSLULXXXX and SBOSLULX are interchangeable.

As a rule the code is written in capitals and without spaces. Copying the code is safer than retyping it.

Verifying the SWIFT code of State Street Bank International GMBH

Ask the recipient to copy their account details straight from their banking app. Compare that code with SBOSLULX on this page; if they differ, ask before you pay.

Mistakes in the SWIFT code are annoying more than disastrous – usually the money comes back, minus fees and time lost. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person.

Most online banking apps check the format of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Some banks now compare the payee name with the account – do not ignore a mismatch warning. For a first payment, some people start with a small amount first and wait for confirmation.

Paying someone abroad from your State Street Bank International GMBH account

If you send money abroad through State Street Bank International GMBH, the visible fee is rarely all of what you pay. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts at a rate with a margin built in. Compare the rate you are offered with the mid-market rate.

For a lot of currency pairs, a specialist provider is cheaper than a bank. Next time you send money, it is worth comparing what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean closing your account at State Street Bank International GMBH.

Paying into State Street Bank International GMBH in EUR

Most accounts at State Street Bank International GMBH are usually held in EUR, the national currency. If you send another currency, the amount gets converted at some point. You rarely see a separate charge for that conversion; it is built into the rate.

Who converts the money matters. Sending the amount already in EUR usually avoids a second conversion at the receiving end, provided the rate you get is fair.

Exchange rates move during the day. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

State Street Bank International GMBH: head office code versus branch codes

State Street Bank International GMBH has 3 different SWIFT/BIC codes. Only one is the head office code, SBOSLULXXXX; the others belong to branches or departments, and sometimes specific services.

Unless the recipient tells you otherwise, go with SBOSLULXXXX or its short form SBOSLULX. When you receive a specific code, stick to it rather than replacing it with the head office code.

The safest route is to take the code straight from the account holder’s invoice. Codes can change when banks reorganise, so a code from an old document is not always valid.

Incoming international payments to State Street Bank International GMBH

When you are waiting for money from abroad, give the sender a complete set of details. Share the account holder’s name, the IBAN or account number, SWIFT code SBOSLULXXXX and your address, which some banks require.

It helps to include the bank name and Luxembourg as well, because some payment forms have separate fields for them. A mistake in the IBAN is harder to fix than you might think.

Money from abroad does not always arrive in full. Intermediary banks may deduct a fee, State Street Bank International GMBH may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees before the money is sent.