The Bank of New York Mellon (Luxembourg) SA, Luxembourg SWIFT/BIC code

IRVTLULX – the SWIFT/BIC code of The Bank of New York Mellon (Luxembourg) SA, Luxembourg

IRVTLULX and IRVTLULXXXX are two ways of writing the same SWIFT/BIC code, and both lead to The Bank of New York Mellon (Luxembourg) SA, Luxembourg in Luxembourg. The code does one job: it makes sure that a cross-border transfer reaches the right bank. You will need it mainly when dealing with transfers between countries.

This page is meant to help people who receives money at an account at The Bank of New York Mellon (Luxembourg) SA, Luxembourg. Remember that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

What the XXX in IRVTLULXXXX means

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. That gives you IRVTLULX for The Bank of New York Mellon (Luxembourg) SA, Luxembourg.

XXX at the end of IRVTLULXXXX is not a placeholder or an error: it indicates the main office of The Bank of New York Mellon (Luxembourg) SA, Luxembourg. Some banking apps insist on 11 characters, in which case you simply add XXX after IRVTLULX.

Leave out spaces when you type IRVTLULX or IRVTLULXXXX. A wrong character can send a payment to a different institution, so check it twice.

Head office or branch code at The Bank of New York Mellon (Luxembourg) SA, Luxembourg?

The Bank of New York Mellon (Luxembourg) SA, Luxembourg has 3 different SWIFT/BIC codes. One of them is the head office code, IRVTLULXXXX; the others identify branches.

Usually there is no need to look up a branch: payments addressed to IRVTLULXXXX reach The Bank of New York Mellon (Luxembourg) SA, Luxembourg correctly. When you receive a branch code, use it as it is rather than swapping it with the head office code.

Not sure which code applies? Check with the recipient or the bank itself. Codes for branches are more prone to change than the head office code when a bank merges or closes offices.

Transfer times and tracking a payment to The Bank of New York Mellon (Luxembourg) SA, Luxembourg

How quickly a payment arrives at The Bank of New York Mellon (Luxembourg) SA, Luxembourg depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made late in the day or just before a weekend or public holiday usually go out a business day later. Extra checks on larger or unusual payments may also cause some delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the status so they can trace it along the chain. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

A missing payment is traced by the sending bank. As a recipient, it helps to look at your account for a slightly lower amount, since fees may have been deducted.

What to give a sender who pays you at The Bank of New York Mellon (Luxembourg) SA, Luxembourg

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, IRVTLULXXXX and in many cases your home address.

The sender’s bank may also ask for the address of your bank; the head office in Luxembourg is usually fine. A typo in your account number can be harder to fix than it looks.

Expect that the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary from bank to bank; check the price list of The Bank of New York Mellon (Luxembourg) SA, Luxembourg. On invoices, you can agree who bears the costs, so that nobody is left short.

Euro (EUR) and conversion costs

Most accounts at The Bank of New York Mellon (Luxembourg) SA, Luxembourg are typically held in EUR, the national currency of Luxembourg. A payment in a foreign currency will be 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 – the cost sits in the rate.

Who does the conversion affects how much arrives, since every bank sets its own rate. Sending the amount already in EUR usually prevents a second conversion at the receiving end, provided the rate you get is fair.

Rates for EUR move all the time, and some providers let you lock in a rate. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

A note on our data

We collect bank codes using publicly available data and check our list from time to time. Even so, banks merge or retire codes, so information can be out of date. The number of codes on this page are based on what is in our directory.

Treat our directory on this page as a helpful check. GoldexPay is a comparison site for money transfers and not affiliated with The Bank of New York Mellon (Luxembourg) SA, Luxembourg. Found an error? Let us know via our contact form so we can correct it.

Before you send: check the The Bank of New York Mellon (Luxembourg) SA, Luxembourg code

Have the recipient copy their bank details directly from their banking app. When the code you were given differs from IRVTLULX or IRVTLULXXXX, stop and ask.

With a wrong code, the transfer may get stuck, bounce back or cost extra. An error in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

A validity check by your bank merely tells you that the IBAN exists. If your bank offers it, a payee name check on the recipient gives an extra layer of safety. For a first payment, some people send a small amount first and wait for confirmation.

Sending money abroad from The Bank of New York Mellon (Luxembourg) SA, Luxembourg

If you send money abroad via The Bank of New York Mellon (Luxembourg) SA, Luxembourg, the fee you see is only part of what you pay. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate.

The markup on the rate is often the largest cost because it is hidden in the rate. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

Money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive across services, which makes the cheapest option easy to spot. You can still use your account at The Bank of New York Mellon (Luxembourg) SA, Luxembourg.

Paying The Bank of New York Mellon (Luxembourg) SA, Luxembourg in euros within SEPA

Inside SEPA, euro transfers to The Bank of New York Mellon (Luxembourg) SA, Luxembourg use common rules, so the IBAN does the job in most cases. The BIC field is often optional for those payments.

For anything other than euros and for senders outside SEPA, IRVTLULXXXX or IRVTLULX is still required. If a payment form has a field for the BIC anyway, entering IRVTLULX is fine.

SEPA transfers normally land within one business day. Fees for SEPA payments tend to be low as long as everything stays in euros.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message claiming that a supplier has new bank details and that the next payment should go there. A valid SWIFT code says nothing about who owns the account.

Do not rely on contact details from the same email that announces the change. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away.

Recipients are targeted too: one known trick is an overpayment and then sends a request to send back the difference. A payment confirmation from the sender is no proof; only your own account shows what has arrived.