Link Securities Sociedad de Valores S.A. SWIFT/BIC code

SWIFT/BIC code of Link Securities Sociedad de Valores S.A.

LISEESMM and LISEESMMXXX are two ways of writing the same SWIFT/BIC code, and both lead to Link Securities Sociedad de Valores S.A. in Madrid. A SWIFT code shows every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. In practice you usually see the code on international invoices, in payment forms and on the account details that Link Securities Sociedad de Valores S.A. provides.

We wrote this page to help anyone who sends money to an account at Link Securities Sociedad de Valores S.A.. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number is for.

When will the money arrive at Link Securities Sociedad de Valores S.A.?

How quickly a payment arrives at Link Securities Sociedad de Valores S.A. is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Bank holidays in the sending or receiving country can add extra days to the journey. Sometimes a bank asks about the purpose of a payment.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it, not the receiving bank. Ask the sender for the payment receipt; that often settles the question quickly.

Paying into Link Securities Sociedad de Valores S.A. in EUR

Accounts at Link Securities Sociedad de Valores S.A. are usually held in EUR, the local currency. When you pay money in a different currency it has to be converted somewhere along the way. You rarely see a separate charge for the conversion.

Which bank converts the money makes a difference, because each party uses its own rate. Transferring the money directly in EUR often prevents a second conversion at the receiving end – as long as your own rate is good.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, a seemingly small gap in the rate adds up quickly.

Which of the 2 codes of Link Securities Sociedad de Valores S.A. do you need?

Link Securities Sociedad de Valores S.A. has 2 different SWIFT/BIC codes across 1 locations. One of them is the head office code; the rest identify branches.

For most payments to a private or business account, the head office code LISEESMMXXX is what you need. If you have been given a branch code, use it as it is rather than swapping it with the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Protect yourself against fake payment requests

Scammers often send fake invoices with new bank details, sometimes in an email that looks completely genuine. The fact that LISEESMM exists does not mean that the account is genuine; criminals use the codes of real banks too.

Do not rely on contact details from the same email that contains the change. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. If money has already gone to the wrong account, contact your bank immediately.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Sending money abroad from Link Securities Sociedad de Valores S.A.

If you send money to another country through Link Securities Sociedad de Valores S.A., the fee you see is only part of what you pay. You pay the transfer fee, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate and lower fees. Before your next transfer, it is worth to compare the total cost via GoldexPay. Using a transfer service does not require leaving Link Securities Sociedad de Valores S.A. – you pay the provider from your own account.

What the XXX in LISEESMMXXX means

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. For Link Securities Sociedad de Valores S.A., that core is LISEESMM.

XXX at the end of LISEESMMXXX does not stand for a missing value or an error: it indicates the head office of Link Securities Sociedad de Valores S.A.. Some forms ask for 11 characters, in which case you simply add XXX behind LISEESMM.

Leave out spaces, dots when you enter LISEESMM. Look out for O versus 0 and I versus 1, a common source of typos.

Euro transfers to Link Securities Sociedad de Valores S.A.: is a BIC needed?

Inside SEPA, euro transfers to Link Securities Sociedad de Valores S.A. follow common rules. A field for the BIC is often optional for those payments.

The BIC does come into play for payments in other currencies. If your banking app asks for the BIC anyway, entering LISEESMM does no harm.

Instant payments in euros have become widely supported across SEPA – whether Link Securities Sociedad de Valores S.A. offers them for your account is worth checking. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

Is LISEESMM still correct? How to check

Ask the recipient to send you the bank details directly from a recent statement. Compare that code against LISEESMM on this page and ask if anything does not match.

Mistakes in the SWIFT code are costly rather than fatal: often the payment comes back, minus fees. Remember the account number: an error there can be harder to correct than a wrong BIC.

A format check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient adds an extra layer of safety. When you pay someone new, some people start with a small amount first before sending the rest.

Getting paid from abroad into a Link Securities Sociedad de Valores S.A. account

A sender in another country will ask for several details about your account – incomplete details often cause delays. What they need is: your name, account number or IBAN, LISEESMMXXX and, for some countries, your home address.

Certain sending banks also ask for the bank’s address; it does no harm to include it. Double-check each detail before you share them.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers vary from bank to bank; check the price list of Link Securities Sociedad de Valores S.A.. For business payments, you can agree how the fees are split to avoid a shortfall.

Where our SWIFT data comes from

This directory is compiled from publicly available sources and is updated regularly. Banks merge, change names and change codes, and a directory never catches every change immediately. The number of codes we show are based on our own data.

Treat this page as a reference, rather than as the last word. GoldexPay is not affiliated with Link Securities Sociedad de Valores S.A., we only compare transfer services. If you notice something that is out of date, we appreciate a short note.