Purpose -The purpose of this paper is to explore the formation and growth mechanism of bulk Cu 6 Sn 5 intermetallic compounds, selecting Sn-Ag-Cu-Ce solders as specimens. Design/methodology/approach -In order to further enhance the properties of SnAgCu solder, trace amount of rare earth Ce was selected as alloying addition into the alloy; in previous investigations, the enhancements include better wettability, physical properties, creep strength and tensile strength. In this paper, the microstructure of Sn-Ag-Cu-Ce soldered joints and its interfacial intermetallic compounds were investigated. Moreover, different morphologies of Cu 6 Sn 5 IMCs were enumerated and described, and Ostwald ripening theory was employed to interpret the formation mechanism of bulk Cu 6 Sn 5 IMCs. Findings -In addition, based on finite element simulation, it is found that the von Mises stress concentrate around the bulk Cu 6 Sn 5 IMCs inside the Sn-Ag-Cu-Ce soldered joints after three thermal cycling loading (2 55-1258C). From the stress distribution, the failure site was predicted to fracture near the bulk Cu 6 Sn 5 IMCs interface. This coincides with the experimental findings significantly. Originality/value -The results presented in this paper may provide a theory guide for developing novel lead-free solders as well as reliability investigation of lead-free soldered joints.