SWIFT/BIC codes in Luxembourg: banks starting with W

Finding a SWIFT code in Luxembourg

For Luxembourg our database holds 1051 SWIFT/BIC codes. A BIC tells every bank in the chain exactly which bank is meant to get an international payment.

Select a bank from the list to see its head office code and any branch codes, plus practical notes for sending and receiving money. Further down you can read how a code from Luxembourg is put together, how to send money there without overpaying and what to check before you pay.

Incoming international payments in Luxembourg

To receive an international payment in Luxembourg, the sender needs not just the BIC. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your postal address.

Your bank’s code is in the list on this page, yet the version on your own statement or in your banking app is leading. Some banks also want your bank’s address.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs, especially for larger amounts.

When does money sent to Luxembourg arrive?

There is no single delivery time for payments to Luxembourg: some land within a day while others need several business days. Bank holidays in Luxembourg or in the sending country can add a day or more to the journey.

When a payment takes longer than expected, ask the sender to contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Save your transfer receipt until the recipient confirms – you will need it if something goes wrong.

Sending EUR to Luxembourg

The currency of Luxembourg is the Euro (EUR). When you pay money in a different currency, it gets converted at some point – by your bank, a bank in between or the recipient’s bank.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Often it is cheaper if you send EUR straight away through a provider with a good rate so the receiving bank does not need to convert again. On larger amounts, even a small gap in the rate adds up quickly.

How SWIFT codes from Luxembourg are built

Every SWIFT/BIC code consists of 8 or 11 characters, always in the same order. It starts with four letters for the bank, followed by two letters for the country and a two-character location code.

No matter which bank, all Luxembourg codes have the same fifth and sixth letters, namely the ISO code of Luxembourg. If those two letters do not match Luxembourg, the code belongs to a bank somewhere else – worth double-checking.

The optional last three characters identify a branch or department; XXX means the head office. For most transfers the head office code is fine unless the recipient asks for a specific branch.

About our data and how to check a code

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. An incorrect BIC can cause delays, a payment being sent back or additional charges – compare it with the code in our list.

The directory on GoldexPay is compiled from publicly available sources that we update periodically. Banks merge, change names and retire codes – a directory can be a step behind. Treat this list as a reference. We are an independent comparison site for money transfers.

Be wary of invoices containing changed bank details. Before paying, confirm a change of bank details through a separate channel.

Banks in Luxembourg beginning with the letter :letter

This list shows only banks in Luxembourg whose name starts with :letter in alphabetical order. The counts in the introduction always refer to all banks in Luxembourg.

Many institutions are listed under their official name, so the letter can differ from what you expect. The full overview for Luxembourg remains one click away when you cannot find the bank here.

SEPA transfers to Luxembourg

Luxembourg belongs to the SEPA area, the zone for uniform euro payments. When you send euros from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

The BIC does come into play when the currency is not euros. Instant payments in euros have become increasingly available within SEPA – check whether your bank supports them. Fees are generally low as long as everything stays in euros.

Which bank in Luxembourg has the most codes?

BNP Paribas Securities Services leads the list of Luxembourg banks in SWIFT/BIC codes. Its main office uses PARBLU21XXX; that is usually the right code for a transfer.

Practice differs 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 the recipient gives you a branch code.

Sending money to Luxembourg for less

An international bank payment to Luxembourg can cost more than you think. You pay the transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate if the money is converted.

The markup on the rate is often the largest part of the cost. Compare the bank’s rate with the mid-market rate.

Money transfer services often offer rates closer to the mid-market rate. GoldexPay lists transfer services side by side so you can see what actually arrives in Luxembourg before you commit.