Are you preparing to move to Luxembourg in 2025? Insurance, energy, banking, telecoms... Here is our selection of the best suppliers in each service category.
Table of contents
Insurance: the arrival package for all new residents
With theft, incivility and natural disasters on the increase, insurance is becoming more and more essential to protect your property in Luxembourg.
Whether you are moving to the Grand Duchy or changing your place of residence, here are the insurances you will absolutely need in 2025:
- A home insurance to protect the contents of your house or flat
- Insurance for your car (think of the register in Luxembourg if you are arriving from abroad)
In addition to social security reimbursements (CNS), you can also opt for supplementary health cover. This will reduce your out-of-pocket expenses, particularly if you have significant healthcare costs.
In terms of insurance, The two most recognised brands in Luxembourg are Foyer and LALUX. These companies are the country's No. 1 insurer and historical insurer respectively. Two other foreign players (AXA and Bâloise) also offer good cover.
Energy: choosing the ideal supplier in 2025
As soon as you move into your new home in Luxembourg, you will need an energy supplier. Otherwise, you may not have any gas or electricity from day one.
- SUDénergie and Enovos offer the most competitive electricity contracts in Luxembourg. However, SudStroum is also well positioned. Check back regularly this comparison (prices change frequently).
- The same applies to gas contracts where these 2 players dominate the market.
Bank: the ideal account for receiving your salary
If you come from abroad, your employer will probably ask you to open a bank account in Luxembourg. This is so that you can receive your salary every month. You may also need one if you want to borrow money to buy a property in Luxembourg.
In addition, a bank will issue you with a Luxtrust free of charge: this is a certificate that verifies your identity in order to carry out a number of administrative operations in Luxembourg (on guichet.lu).
In terms of value for money, Spuerkeess dominates the market with an entry-level account at €3.50/month. and a Premium account for almost €10/month. However, other players such as BIL, BGL BNP Paribas and Raiffeisen are also well positioned.
-> See the comparison of bank accounts in Luxembourg.
Telecoms: the suppliers to choose in 2025
Compared with other countries, the telecoms market is unique. Prices are generally higher, and the number of suppliers is more limited.
In 2025, if you opt for very high-speed fibre Internet, you'll generally choose Orange or Tango. The same applies if you're looking for a mobile package with no commitment.
These operators are in the top three and are generally offering aggressive rates, particularly around the start of the new school year (from mid-September in Luxembourg).
There are many options with different speeds, data volumes and prices. Other alternative operators may also offer interesting deals. Consult our comparisons to find the ideal offer:
