Liberum Capital Limited SWIFT/BIC code

SWIFT/BIC code of Liberum Capital Limited

LCAPGB21 and LCAPGB21XXX are the short and the long form of the same bank identifier, and both point to Liberum Capital Limited in London. Every bank on the SWIFT network uses BIC codes to route international transfers to the correct institution. It comes up mainly when dealing with payments that cross a border and payments in foreign currencies.

Below you will find the practical side: receiving money at Liberum Capital Limited, sending money abroad and how to check a SWIFT code before you confirm a payment. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

Watch out for payment fraud

Stay wary if a contact unexpectedly asks you to pay into another account or a bank in another country. A valid SWIFT code tells you nothing about whether the request is genuine.

Always confirm a change of bank details by phone on a number you know, not one from the message. Urgency or secrecy tend to be red flags – a real supplier can wait a day. If a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to return the difference to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Head office or branch code at Liberum Capital Limited?

With 2 codes, Liberum Capital Limited belongs to the banks that register separate codes for branches. The main code remains LCAPGB21XXX.

In most cases there is no need to pick a branch: transfers sent to LCAPGB21XXX are routed within Liberum Capital Limited correctly. When you receive a specific code, use it as it is rather than replacing it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change over time.

How long does an international transfer to Liberum Capital Limited take?

An international transfer usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Extra checks on larger or unusual payments can also cause some delay.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide a status online showing how far the money is.

A missing payment has to be traced from the sending side on the basis of the transfer details. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Paying into Liberum Capital Limited in GBP

The currency of United Kingdom is the British Pound (GBP). If you send money in a different currency, the amount gets converted somewhere along the way – by your bank, by Liberum Capital Limited or by a bank in between. Each conversion costs something – usually through the rate rather than a fee.

Which bank converts the payment matters, because each party uses its own rate. Check what GBP the recipient gets with different providers before choosing one.

Exchange rates move all the time. If you pay regularly, a slightly better rate add up over a year.

Paying someone abroad from your Liberum Capital Limited account

What you pay for an international transfer is made up of several parts – not just the fee on your screen. On top of the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted the bank usually uses a rate below the real market rate.

Banks do not list the margin on the rate separately – you only notice it if you compare. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer. On GoldexPay you can compare the amount that arrives with different providers. You can always use your account at Liberum Capital Limited, while a cheaper service handles the conversion.

A note on our data

The codes here are taken from publicly available data. Even so, banks merge, rename themselves or change codes, so information can be out of date. The number of codes we show reflect our own data.

See our directory on this page as a handy check and rely on the recipient or Liberum Capital Limited for the final confirmation. GoldexPay is an independent comparison service and not part of Liberum Capital Limited. Should you notice a mistake, we welcome a message.

Verifying the SWIFT code of Liberum Capital Limited

The best place to find the right code remains paperwork issued by the bank. If the code you have does not match LCAPGB21 or LCAPGB21XXX, stop and ask – contact the recipient or Liberum Capital Limited.

An incorrect BIC may lead to a delay, a returned payment or extra fees for investigation. An error in the IBAN or account number can be a bigger problem.

Most online banking apps check the structure of an IBAN and some suggest the matching BIC. If your bank offers it, a payee name check on the recipient adds extra certainty. Sending a small amount first is a sensible step for large sums.

LCAPGB21 or LCAPGB21XXX – which one to use?

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and the two after that indicate the location. In this case, that core is LCAPGB21.

XXX at the end of LCAPGB21XXX is not a missing value or an error: it stands for the head office of Liberum Capital Limited. Some forms insist on 11 characters, in which case you simply add XXX behind LCAPGB21.

Enter the code as one block, in capitals and without spaces, exactly as shown here. Look out for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Euro transfers to Liberum Capital Limited: is a BIC needed?

Since United Kingdom is part of SEPA, a euro transfer to Liberum Capital Limited from within the SEPA area normally requires just the IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

For anything other than euros and from non-SEPA countries, LCAPGB21XXX or LCAPGB21 is still required. Some forms also ask for the BIC out of habit; in that case, fill in LCAPGB21 or LCAPGB21XXX.

Instant payments in euros are increasingly available across SEPA – whether Liberum Capital Limited offers them for your account is worth checking. Charges on SEPA payments are generally low as long as everything stays in euros.

Getting paid from abroad into a Liberum Capital Limited account

For an international payment into your account at Liberum Capital Limited, the person paying you needs more than the BIC. In practice that means: your name as registered with Liberum Capital Limited, your account number or IBAN, the SWIFT/BIC code LCAPGB21XXX and sometimes your postal address.

You can include Liberum Capital Limited and its city as well, because some payment forms have separate fields for them. A mistake in your account number is more trouble than you might think.

What lands in your account is often less than what was sent. Fees for incoming transfers vary per bank – the price list of Liberum Capital Limited tells you what applies. Make clear with the sender who pays which costs before the money is sent.