Union Bancaire Privee (Europe) S.A. SWIFT/BIC code

What DBSALULL means for a payment to Union Bancaire Privee (Europe) S.A.

DBSALULL and DBSALULLXXX are two ways of writing the same SWIFT/BIC code, and both lead to Union Bancaire Privee (Europe) S.A. in Luxembourg. A SWIFT code shows every bank in the chain which institution should receive the money, a bit like a postal address for banks. You will need it mainly when dealing with payments that cross a border.

We wrote this page to help anyone who sends money to an account at Union Bancaire Privee (Europe) S.A. without mistakes. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN is for.

What a transfer from Union Bancaire Privee (Europe) S.A. abroad really costs

What you pay for a payment abroad has several parts – not just the fee on your screen. On top of the transfer fee, banks in between may deduct a fee, and if the money changes currency the bank often applies a rate below the actual market rate.

Banks do not show the margin on the rate as a cost – you only notice it if you compare. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay we compare what recipients receive across services, which makes the cheapest option easy to spot. You can always keep your account at Union Bancaire Privee (Europe) S.A.; only the conversion and sending happen elsewhere.

When will the money arrive at Union Bancaire Privee (Europe) S.A.?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or on a weekend or public holiday usually start the next business day. Occasionally a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask your bank about the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often show tracking online so you can see how far the payment is.

The bank that sent the money is able to request a trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

About this information

The codes here are taken from public sources that we update regularly. Banks reorganise, close branches and change codes – a directory can be a step behind. The number of codes we show are based on our own data, not official figures from Union Bancaire Privee (Europe) S.A..

Use this page as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Union Bancaire Privee (Europe) S.A.. Should you notice a mistake, we appreciate a message via the contact page.

What the XXX in DBSALULLXXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. Combined, those parts form DBSALULL – the version you usually see online.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is typed in capitals. Pasting the code beats typing it by hand.

Union Bancaire Privee (Europe) S.A.: head office code versus branch codes

Union Bancaire Privee (Europe) S.A. uses 2 separate SWIFT/BIC codes across 1 cities. One of them is the head office code, DBSALULLXXX; the rest belong to branches, and sometimes internal departments.

For most payments to a private or business account, the head office code DBSALULLXXX works fine. Just use a branch code when the recipient explicitly asks for it.

The best way is to take the code directly from the recipient’s statement. Codes can change over time, so do not rely on old paperwork.

Do you need DBSALULL for a SEPA transfer?

Inside SEPA, euro transfers to Union Bancaire Privee (Europe) S.A. follow common rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.

The BIC still come into play when the currency is not euros, and for transfers from outside SEPA. A few banks and apps also ask for the BIC out of habit; in that case, fill in DBSALULL.

SEPA transfers usually arrive within one business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low as long as everything stays in euros.

Watch out for payment fraud

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

Before paying, confirm a change of bank details through a phone call. Watch out for time pressure, unusual wording or a sender address that is slightly off. Already paid? Contact the bank you paid from straight away and ask them to start a recall and report the fraud.

Scams can also target the receiver. Someone claims to have sent too much and asks you to refund the difference via a different route. Wait until the money is actually in your account.

Receiving money from abroad at Union Bancaire Privee (Europe) S.A.

Someone abroad who wants to pay you will ask for a few details from you. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code DBSALULLXXX and usually your postal address.

You can include Union Bancaire Privee (Europe) S.A. and its city as well, because some payment forms have separate fields for them. A typo in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, Union Bancaire Privee (Europe) S.A. may charge for incoming payments, and if the currency changes, a markup on the rate applies. Agree with the sender who pays which costs, especially for larger amounts.

The Euro and what conversion costs you

The national currency of Luxembourg is the Euro (EUR). Money sent in a different currency is exchanged into EUR before it reaches the account. You rarely see a separate charge for that conversion; it is built into the rate.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Often you pay less to send EUR straight away through a provider with a good rate, so that the receiving bank does not need to convert again.

The rate for EUR fluctuates constantly. If you pay regularly, a slightly better rate add up over a year.

Verifying the SWIFT code of Union Bancaire Privee (Europe) S.A.

The most reliable place for the right code remains a document from the bank itself. Check that code with DBSALULL here and ask if anything does not match.

Errors in the BIC are annoying rather than fatal. An error in the account number can be a bigger problem, because the money may be credited to someone else.

An automatic check in your banking app merely tells you that the code exists – not that it belongs to the person you mean to pay. Where available, a payee name check before sending adds extra certainty. Sending a small amount first is worth it for large sums.