Moving to Luxembourg: All the steps you need to know

Are you planning to move to Luxembourg soon? Here's a checklist of the steps you need to take to make your move as a Luxembourg resident a success. new resident.

1. Notify the authorities of your arrival

How to register

As soon as you arrive, you should think about registering with the municipality in which you are moving. This is a compulsory formality here: the Grand Duchy wants to be sure that you are settling legally on its territory, and that you are registered with the authorities.

Here are the steps to follow to register in Luxembourg:

• Visit the website of your municipality of residence to find out what documents you need to bring with you. To register as a new resident, you will generally be asked for a identity documenta employment contract (or a letter of employment) and your personal details. family documents if you are coming with your family or as a couple (marriage contract, family record book, civil partnership contract, etc.). You may be asked to provide additional documents.
• Get your documents ready, go to the town hall and remember to bring some change: some communes charge €5 to register.
• Local council staff will register you and issue you with a registration form. registration certificatein the form of a small card
• You will also receive a residence certificate (this will be very useful for subsequent procedures). You may also be charged a few euros for this certificate (usually €5).

And that's all there is to it! You are now officially a resident of Luxembourg. Congratulations to you!

Health insurance in Luxembourg

In Luxembourg, everyone should be covered by health insurance (the CNS). This is an obligation. The Grand Duchy wants to guarantee access to healthcare for everyone, and that's a good thing.

To qualify for health cover, you must be in one of the following 3 situations:

• Having a Luxembourg employment contract
• Be registered as a job seeker (and therefore have previously worked in the Grand Duchy)
• Paying for health insurance volunteer "(around a hundred euros a month). This is the case if you have a self-employed business, for example. The only condition is that you must not be covered by another country's health insurance scheme at the same time. It is therefore impossible to telework in Luxembourg for a foreign company if you are affiliated to another health scheme.

If you come from abroad and do not yet have a job in Luxembourg

Are you following your partner who has just taken up work in Luxembourg? Haven't found a job here yet? Then here's what you really need to know:

• Your employment contract must be governed by Luxembourg law.. This is in order to pay your contributions here and benefit from health cover (the CNS). To put it plainly: you cannot reside in Luxembourg and work for a company with a contract governed by foreign law. However, certain companies (known as "payroll providers") can help your employer to convert your employment contract into a Luxembourg contract.
• If you are not a Luxembourg employee, you will need to apply for cancellation of your home country's health insurance scheme to pay for "voluntary" health insurance in Luxembourg.
• In some cases, Luxembourg may grant you time to find a job. You will need to prove that you are actively looking for a job (by providing a CV, letters of recommendation and any evidence that you are looking for a job).

Moving to Luxembourg: getting your marriage or civil partnership (PACS) recognised

Luxembourg's tax system is particularly advantageous for residents who are married or in a civil partnership. Have you just arrived in Luxembourg as a couple or with your family? Be aware that you will need to have your marriage or civil partnership recognised by the authorities in order to benefit from these tax deductions.

• To have your marriage contract concluded abroad, all you need to provide is your identity papers and the marriage document. Find the full procedure on this page.
• To have your PACSIf you're interested in becoming a partner, you'll need to provide more documents (birth certificates, partnership agreement with legalised signature), but it's worth it! You could save several thousand euros a year on your taxes. You can find the full procedure at this link.

Please note: if your marriage or civil partnership contract is in a language other than French, English or German, you will need to have it translated by a sworn translator.

2. Open new contracts and subscriptions

Have you found your home on atHome, Immotop or Wortimmo and are you ready to move in? Here are a few recommendations. You can also find our selection of the best subscriptions for your move at this page.

Compulsory insurance

• Home insurance : This is the first policy you will need to take out, even before arriving in the Grand Duchy. Home insurance is compulsory before you move in. It protects your home in the event of a claim (water damage, flooding, natural disaster, theft, burglary, etc). In Luxembourg, cover varies from one insurer to another: we recommend that you analyse all the cover on this page carefully. home insurance comparator.
• Car insurance : In Luxembourg, the car is king. Even though public transport is free, many residents drive to work every morning. Would you like to import your own vehicle, or buy one in Luxembourg? Either way, you'll need to get it insured here. As with home insurance, there are many disparities between the cover on offer. To compare them and find the best deal, consult this ranking.

To find out what your legal obligations are in terms of insurance in Luxembourg, we've put together a list of the most common types of insurance. complete guide.

Energy contracts (gas, electricity)

There are very few gas or electricity suppliers in Luxembourg. You can choose between Enovos, SudStroum and Electris. The tariffs are more or less the same, and some offer special options, depending on your consumption and your wishes:

• You can opt for a fixed price per kWh all year round, or for a difference in price between Peak Hours and Off-Peak Hours
• You can choose to finance a electricity 100% Renewable
• Some suppliers even offer to pay for electricity 100% Renewable and local (with Luxembourg wind turbines)

If you are planning to buy a electric carTo find out more about charging an electric car in Luxembourg, take a close look at the offers: suppliers offer special subscriptions to reduce the cost of charging your Tesla, Hyundai, Volkswagen or other electric model. To find out more about recharging an electric car in Luxembourg, see this article.

Telecom subscriptions (Internet, TV, mobile)

In Luxembourg, there is a real price difference between telecoms providers. Compared with other countries, there are also additional charges, such as Internet fibre installation costs or modem rental charges.

• Internet If you want good speed at the best price, go for a fibre package with a download speed of 500 Mb/s or 1 Gb/s. Prices for such an offer vary greatly from one provider to another. Consult this Internet offers comparator to find the subscription that's right for you.
• Television in LuxembourgTelevision is not included in basic Internet packages. To benefit from it, you will have to pay for an additional option that will give you access to a certain number of channels and recording times. This is the ideal solution if you want to receive foreign television. The comparison of TV and Internet packages is available at here.
• Mobile : Although packages cost a little more than in other European countries, it is essential to have a "+352" number if you want to do business in Luxembourg. Thinking of taking out a subscription here? We advise you to consult our selection of the best mobile packages Luxembourg.

Another important thing to know about Luxembourg: most contracts are taken out for a period of 2 years. You won't be able to cancel before then without paying penalties. So it's vital to take the time to compare offers and choose the one that suits you best.

3. Opening a bank account in Luxembourg

The question divides new residents: should you really open a bank account in Luxembourg?

Yes, for several reasons:

• You can benefit from a token Luxtrust free : is your digital identity in Luxembourg. It is a method of digital authentication that allows you to access all government services online (tax, reimbursement of healthcare costs, family allowance applications, certificates of residence, etc.). Even if having a Luxtrust is not essential in the first few months after you settle in, you will absolutely need one at the end of your first year in Luxembourg. And a Luxtrust token can cost between €50 and €150 if you buy it yourself. We advise you to open a bank account to get one for free!
• You can reclaim money from your tax: In Luxembourg, you can deduct many expenses from your tax returns each year. These include civil liability contributions (home insurance, car insurance). But you can also deduct the interest on your loans, your home savings, or part of the payments into your pension plan. All these products can only be opened with a bank, and require you to open a bank account in Luxembourg.

As with energy suppliers, insurers and telecoms operators, banks offer a wide range of current accounts at very different prices. To make it easier for you to compare, we have drawn up this selection of the best bank accounts in Luxembourg.

4. Carry out your first administrative formalities (health reimbursements, tax)

You've found a job, and now you're wondering how to take the essential steps for your life in the Grand Duchy? Here's the guide.

CNS reimbursements: how does it work?

When you go to the doctor in Luxembourg, you have to pay healthcare costs in advance (unlike France, for example, which practices "tiers-payant").

Here's how to claim reimbursement of your healthcare costs:

1. You pay your doctor after the consultation (by card, cash or bank transfer)
2. You must send the doctor's bill to the National Health Fund Luxembourg to the following address Caisse nationale de santé, Remboursements, L-2980 Luxembourg, Luxembourg. You do not need to affix any postage if you are sending it from Luxembourg. Enclose your IBAN if this is your first claim for reimbursement.
3. The CNS will reimburse your healthcare costs within 1 to 3 months.

The CNS will reimburse the social security part. You will be responsible for the remaining part: the mutual insurance part. If you have a mutual insurance company, you will need to send it a statement of CNS reimbursements. This statement will be sent to you by post after each reimbursement. You can also access it via your Myguichet.luusing a Luxtrust token.

Good to know: You won't have to pay in advance if your expenses relate to...

• buying medicines in pharmacies
• hospitalisation costs
• health laboratory costs (for blood samples, for example).

To find out how to join the CNS and obtain your social security number, visit this article.

Declaring your tax

It is possible to declare your tax online in the Grand Duchy. To declare your income, expenses and deductions, simply complete form 100 provided by the tax authorities.

• If you are a resident : You can file your tax return online via Myguichet.lu, provided you have a Luxtrust. To find out how to obtain it free of charge, we advise you to read this article.
• If you are not a resident : you will need to complete your Form 100 and send it to your tax office. Under certain conditions, you can also send it online. You should remember to declare the income received by your household abroad, as this will determine your tax rate.

In all cases, to complete your declaration, you will need a salary certificate provided by your employer. You can find this document in the online space provided by your employer. If you don't know where to find it, contact your Human Resources team!

Discover our selection of the best online tools for file your taxes easily in 2026 or consult the Luxembourg tax scale.

Possible tax deductions

You can easily save several hundred euros on your tax bill each year. Here's everything you can deduct from your Luxembourg tax return:

• The civil liabilities your car and home insurance (refer to the certificate sent to you each year by your insurer)
• The interest expense your current loans (car loan, consumer credit, mortgage, etc.)
• Part of your home savings
• Part of the payments to your pension plan

Your bank advisor will be the best person to help you optimise your tax situation. If you want to find the best bank to open an account in Luxembourg, see this classification of current accounts.

Family allowances

There are a number of forms of assistance available in the Grand Duchy. The most common are :

• A birth grant
• Family allowance (for children up to the age of 18)
• A back-to-school allowance

To apply for an allowance, you need to fill in a form and send it to the Caisse Nationale des Prestations Familiales (CAE). Further information is available at on the Caisse website.