Skip to main content

Compare bank accounts
in Luxembourg

Independent ranking of Luxembourg bank accounts · Data updated on 10 June 2026

12 offers
Sort by:Sort:
✦ Featured
BIL
BIL Gold
BIL
9,90€
/ month
Free for ages 18–27
€9.90 with direct deposit ≥ €2,500
Open an account
Debit cardVisa Debit
Credit cardVisa Gold
ATM withdrawals10/month network
InsuranceIncluded
✓Unlimited current accounts
✓1 Visa Debit included
✓1 Visa Gold included
✓10 withdrawals/month bancomat network
✓2 free withdrawals/month outside network
✓Unlimited SEPA + incoming non-SEPA transfers
✓Travel accident insurance (€200,000)
✓Medical expenses abroad (€50,000)
✓Trip cancellation (€5,000)
✓Delayed baggage (€1,000) / stolen (€2,500)
✓In-store purchase protection (€2,500)
✓Online purchase protection (€1,500)
✓Ski equipment insurance (€750)
✓Overdraft: −25 bps
✓−50 % personal loan application fee
Spuerkeess
Zebra Premium
Spuerkeess
9,50€
/ month
4 cards included · flat rate
Flat rate — no conditions
Open an account
Debit card2 Visa Debit
Credit cardVisa Classic + Premier
ATM withdrawals4/month included
Insurance—
✓Unlimited current accounts
✓2 free Visa Debit cards
✓2 free Visa Classic (or 1 Classic + 1 Premier)
✓Miles & More Luxair Visa: preferential rate
✓4 free withdrawals/month other EU ATMs
✓Unlimited SEPA transfers
✓−25 % mortgage application fee
✓Personal loan: free application fee
✓Overdraft ≤ €10,000: preferential rate
✓Rental guarantee: preferential rate
✓Credit-card insurances included
✓Free card replacement
Spuerkeess
Zebra
Spuerkeess
3,50€
/ month
Flat rate — no conditions
Open an account
Debit card1 card of your choice
Credit card—
ATM withdrawals1/month included
Insurance—
✓1 EUR current account
✓1 card of your choice (Visa Debit or Visa Classic)
✓1 free withdrawal/month other EU ATMs
✓Unlimited SEPA transfers
✓S-Net, Payconiq, Apple Pay, Google Pay
✓Free electronic statements
✓Unlimited savings accounts
BGL BNP Paribas
Pack Exclusif
BGL BNP Paribas
9€
/ month
€9 with loyalty bonus (inflows ≥ €1,500/month)
Free international transfers (transfer + exchange)
Open an account
Debit card2 Visa Debit
Credit card2 cards of your choice
ATM withdrawals3/month (other EU)
Insurance—
✓Unlimited multi-currency accounts
✓2 Visa Debit included
✓2 credit cards of your choice (Classic, Gold, or Platinum at −50%)
✓Free withdrawals on BNP Paribas Group ATMs
✓3 free withdrawals/month on third-party EU ATMs
✓Unlimited SEPA transfers
✓Free international transfers (transfer + exchange)
✓Free card payments incl. exchange fees
✓1 savings account (all currencies)
✓Mortgage: fixed application fee €250
✓Personal loan: free application fee
POST Luxembourg
eboo L
POST Luxembourg
10€
/ month
Flat rate — no direct deposit required
Extended insurance included (Visa Gold)
Open an account
Debit cardVisa Debit
Credit cardVisa Gold
ATM withdrawalsFree (worldwide)
InsuranceIncluded
✓1 current account + eboo eBanking
✓1 Visa Debit card included
✓1 Visa Gold credit card included
✓Extended insurance: trip cancellation, baggage, car rental, transport delay, winter sports, theft & phishing
✓Deferred payment up to 10 months (Visa Gold)
✓Authorised overdraft (8%/year)
✓Free payments & withdrawals worldwide
✓Unlimited free online transfers
✓Apple Pay, Google Pay
✓Up to −40% at 60+ partners (eboo benefits)
✓Preferential Raiffeisen credit & OPERA terms
Raiffeisen
OPERA PLUS
Raiffeisen
10,75€
/ month
Partially payable in OPERA points
No direct deposit requirement
Open an account
Debit cardVisa DEBIT
Credit cardVisa Gold
ATM withdrawals1/month included
Insurance—
✓1 main current account included
✓1 Visa DEBIT included
✓1 Visa Gold included (or Platinum +€4.50/month)
✓Unlimited electronic SEPA transfers
✓−25 % on paper transfers to other banks
✓1 free withdrawal/month other banks
✓Free Raiffeisen and POST withdrawals
✓Preferential terms on loan application fees
✓Preferential R-Invest & R-Gestion terms
✓Free card replacement
✓Cumulative OPERA loyalty points (can pay the fee)
BIL
BIL Digital
BIL
3,50€
/ month
Free for 12 months when opened online
€5 without direct deposit
Open an account
Debit cardVisa Debit
Credit card—
ATM withdrawals5/month (bancomat network)
Insurance—
✓1 EUR current account
✓1 Visa Debit included
✓Free for 12 months when opened online (then free if assets ≥ €25,000)
✓5 withdrawals/month bancomat network
✓€2.50 outside bancomat network
✓Unlimited SEPA transfers via BILnet
✓Unlimited instant payments
✓LuxTrust Mobile included
✓Apple Pay, Google Pay
BGL BNP Paribas
Pack Confort
BGL BNP Paribas
4,50€
/ month
Credit card included
€4.50 with loyalty bonus (inflows ≥ €1,500/month)
Open an account
Debit cardVisa Debit
Credit cardVisa Classic or MC Gold
ATM withdrawals1/month (other EU)
Insurance—
✓5 multi-currency current accounts
✓1 Visa Debit included
✓1 Mastercard Gold or Visa Classic credit card
✓Free withdrawals on BNP Paribas Group ATMs
✓1 free withdrawal/month on third-party EU ATMs
✓Unlimited SEPA transfers
✓Fixed mortgage fee €250 (under-30s)
✓Free personal loan application fee (under-30s)
POST Luxembourg
eboo S
POST Luxembourg
5€
/ month
Free for under-26s
Flat rate — no direct deposit required
Open an account
Debit cardVisa Debit
Credit card—
ATM withdrawalsFree (worldwide)
Insurance—
✓1 current account + eboo eBanking
✓1 Visa Debit card included
✓Free for under-26s
✓Free payments worldwide
✓Free withdrawals worldwide (except ATM-stated fees)
✓Unlimited free online transfers
✓Apple Pay, Google Pay
✓Up to −40% at 60+ partners (eboo benefits)
✓Preferential Raiffeisen credit & OPERA terms
POST Luxembourg
eboo M
POST Luxembourg
8€
/ month
Flat rate — no direct deposit required
Everyday insurance included (Visa)
Open an account
Debit cardVisa Debit
Credit cardVisa
ATM withdrawalsFree (worldwide)
InsuranceIncluded
✓1 current account + eboo eBanking
✓1 Visa Debit card included
✓1 Visa credit card included
✓Everyday insurance: in-store & online purchase protection, travel accidents
✓Authorised overdraft (8%/year)
✓Free payments & withdrawals worldwide
✓Unlimited free online transfers
✓Apple Pay, Google Pay
✓Up to −40% at 60+ partners (eboo benefits)
✓Preferential Raiffeisen credit & OPERA terms
BGL BNP Paribas
Pack Essentiel
BGL BNP Paribas
2€
/ month
€4 without loyalty bonus
Loyalty bonus: inflows ≥ €1,500/month
Open an account
Debit cardVisa Debit
Credit card—
ATM withdrawalsBNP Paribas network
Insurance—
✓1 Optiflex EUR account
✓1 Visa Debit card included
✓Credit card optional (Visa Classic €2 or Mastercard Gold €5.50/month)
✓Unlimited SEPA transfers
✓Free withdrawals on BNP Paribas Group ATMs
✓OptiLine overdraft available
✓Online banking free
✓Apple Pay, Google Pay
BIL
BIL Platinum
BIL
19,90€
/ month
€21.90 without direct deposit ≥ €4,000
Premium insurance pack included
Open an account
Debit card2 Visa Debit
Credit cardVisa Platinum
ATM withdrawals99/month network
InsuranceIncluded
✓Unlimited current accounts
✓2 Visa Debit included
✓1 Visa Platinum included
✓99 withdrawals/month bancomat network
✓4 free withdrawals/month outside network
✓Medical expenses abroad (€250,000)
✓Trip cancellation (€15,000)
✓Car rental (€10,000)
✓Smartphone protection (€1,000)
✓2 airport lounge accesses/year (LoungeKey)
✓Smart Delay: lounge if delay ≥ 90 min
✓−50 % personal loan fee
✓Mortgage commission 0.25 %
Switchr methodology. Fees verified on official brochures on 10 June 2026. Required thresholds: ≥ €1,500/month (BGL, BIL Digital), ≥ €2,500/month (BIL Gold), ≥ €4,000/month (BIL Platinum). POST eboo and Spuerkeess: flat rates with no direct-deposit condition. Sources: bil.com · bgl.lu · spuerkeess.lu · raiffeisen.lu · post.lu

Our independent analysis — June 2026

Fees verified on official BIL, BGL, Spuerkeess, Raiffeisen and POST brochures · Data updated on 10 June 2026 by Yacine Sahnoune, CEO Switchr

BGL BNP ParibasBGL BNP Paribas

Pack Essentiel is €2/month with the loyalty bonus (inflows ≥ €1,500/month; €4 without), debit card included and credit card optional. Pack Confort (€4.50/month) adds a credit card, 1 free third-party ATM withdrawal/month and credit perks for the under-30s. Pack Exclusif (€9/month with the loyalty bonus, €12 without) provides 4 cards, 3 free third-party ATM withdrawals/month and free international transfers.

BILBIL

BIL Digital (€3.50/month with deposit, free 12 months online). BIL Gold (€9.90/month, free for ages 18-27) includes Visa Gold and travel insurance: medical expenses up to €50,000, trip cancellation €5,000. BIL Platinum (€19.90/month): medical expenses up to €250,000, LoungeKey, Smart Delay.

SpuerkeessSpuerkeess

Spuerkeess applies flat-rate fees with no direct deposit conditions. Zebra (€3.50/month flat) includes 1 card of your choice, 1 free ATM withdrawal/month. Zebra Premium (€9.50/month flat, no conditions) provides 4 cards (2 Visa Debit + Classic + Premier) and -25% on mortgage fees.

RaiffeisenRaiffeisen Luxembourg

Raiffeisen offers OPERA PLUS at a flat €10.75/month with no conditions. The package includes Visa DEBIT + Visa Gold (or Platinum at +€4.50/month), 1 free ATM withdrawal/month outside the network, preferential terms on loan application fees and -25% on paper transfers. Green Code Job offers OPERA PLUS free for 2 years for young professionals aged 18-30.

POST LuxembourgPOST Luxembourg

POST Luxembourg offers the eboo packs, fully digital accounts with free worldwide payments and withdrawals. eboo S (€5/month, free for under-26s) includes a Visa Debit. eboo M (€8/month) adds a Visa credit card and everyday insurance (purchases, accidents). eboo L (€10/month) includes a Visa Gold and extended travel insurance (trip cancellation, baggage, car rental, winter sports) — no salary direct deposit required.

Switchr recommendations by profile — June 2026

Best price
BGL Pack Essentiel
€2/month with deposit ≥ €1,500
Young / Students
BIL Gold (18-27)
Free + Visa Gold + comprehensive travel insurance
Travel insurance
BIL Gold or BIL Platinum
The only offers with integrated international medical cover
No conditions
Spuerkeess Zebra
€3.50/month — guaranteed flat rate, no conditions
Mortgage
Spuerkeess Zebra Premium
-25% on the mortgage application fee + flat rate
Premium / Traveller
BIL Platinum
€250,000 medical cover + LoungeKey airport lounges
Digital & International
POST eboo L
Free worldwide payments & withdrawals · Visa Gold · €10/month, no conditions

Also on Switchr

Guides and comparisons to manage your finances in Luxembourg

Why open a bank account in Luxembourg?

Whether you are a resident, expat or cross-border worker, here is what you concretely gain from banking with a Luxembourg institution in June 2026.

Free LuxTrust — your key to all online administration
LuxTrust is Luxembourg's digital identity certificate. It is essential for accessing MyGuichet.lu, filing your tax return, or authenticating online payments (Luxembourg's 3D Secure equivalent). By opening an account with BGL, BIL, Spuerkeess or Raiffeisen, your bank sets up your LuxTrust certificate completely free of charge. Without a Luxembourg bank account, LuxTrust costs approximately €25/year.
Tax advantages — up to €3,200 deductible per year
A Luxembourg bank account gives you access to tax-deductible savings products: pension savings plans (up to €3,200/year deductible), home savings plans and preferential mortgage rates. Cross-border workers residing in France, Belgium or Germany can also deduct these products on their Luxembourg tax return, subject to conditions. A Luxembourg bank adviser is best placed to guide you through the specifics of local tax law.
Salary domiciliation — up to 50% off your monthly fee
At BGL BNP Paribas, domiciling your salary (≥ €1,500/month) reduces Pack Essentiel from €4 to €2/month — the cheapest account on the Luxembourg market. At BIL, domiciliation (thresholds: €1,500 for BIL Digital, €2,500 for BIL Gold) reduces the fee by €1.50 to €2/month depending on the package. Spuerkeess and Raiffeisen charge fixed rates with no domiciliation requirements whatsoever.
Cross-border workers — highly recommended in practice
While not legally mandatory, opening a Luxembourg bank account is strongly recommended for anyone working in Luxembourg while living abroad. Some employers require salary domiciliation on a Luxembourg IBAN. You also gain access to LuxTrust, local tax advantages and preferential banking products (mortgages, pension savings). BGL, BIL, Spuerkeess, Raiffeisen and POST all accept European non-residents. Opening an account requires only an ID, proof of address and employment contract.

How to open a joint bank account in Luxembourg

Opening a joint account is straightforward: both account holders visit a branch together by appointment. Each person must bring:

Valid ID card or passport Proof of address or residence certificate Employment contract or recent payslips

The bank creates two LuxTrust certificates (one per person) and opens the joint account in a single appointment. In practice, a joint account is usually opened alongside two individual accounts — one for each person's salary and personal expenses, the other for shared household costs. Your bank card arrives by post within one to two weeks.

The 3 segments of the Luxembourg banking market

Every profile has its matching account. Here is how the Luxembourg banking offer is structured in 2026, from entry-level current accounts to premium packages.

Entry level
€0 — 4 /month
The essentials at the lowest cost
Best suited to cross-border workers and residents looking for a secondary Luxembourg account — primarily to obtain LuxTrust, domicile their salary and access local tax benefits. These accounts include one or two debit cards, unlimited SEPA transfers and typically one free ATM withdrawal per month at third-party cash machines. No Gold card or travel insurance at this tier.
BGL Pack Essentiel — €2/month* Spuerkeess Zebra — €3.50/month BIL Digital — €3.50/month*
* with salary direct deposit
Mid-range
€4 — 10 /month
The best value for money
The most popular segment among Luxembourg residents. These packages include Gold or Premier cards, comprehensive travel insurance (BIL Gold: medical expenses up to €50,000 abroad), mortgage application discounts of −25% (Spuerkeess Zebra Premium), and several free ATM withdrawals per month. BIL Gold is free for ages 18 to 27, while BGL Pack Confort (€4.50/month) bundles a credit card and mortgage perks for the under-30s.
BGL Pack Confort — €4.50/month* Spuerkeess Zebra Premium — €9.50/month BIL Gold — €9.90/month*
* with salary direct deposit
Premium
>€10 /month
Premium services & exclusives
Designed for frequent travellers, senior professionals and families with a property project. These packages include Platinum cards, premium insurance (up to €250,000 in medical expenses abroad with BIL Platinum), LoungeKey airport lounge access, Smart Delay service, and significant reductions on borrowing rates and mortgage fees. Raiffeisen OPERA PLUS uniquely offers a Visa Gold at a fixed price with no conditions.
BGL Pack Exclusif — €9/month Raiffeisen OPERA PLUS — €10.75/month BIL Platinum — €19.90/month*
* with direct deposit ≥ €4,000/month

Key trends in the Luxembourg banking market in 2026

The Luxembourg banking landscape is evolving rapidly. Here are the four structural trends reshaping personal banking this year.

Rising fees — up 30% over two years
The average annual cost of a basic bank account in Luxembourg has climbed from €30 to €40/year over the past two years, as banks pass on rising operational costs. That said, youth accounts remain entirely free, and BGL Pack Essentiel remains the most affordable on the market at just €2/month with salary domiciliation of at least €1,500/month.
Accelerating digitalisation — online opening now standard
BIL (via BILnet) and BGL BNP Paribas now offer a fully online account opening process. Spuerkeess (S-Net) and Raiffeisen (My Raiffeisen) have significantly upgraded their digital interfaces. Apple Pay and Google Pay are now available at all major Luxembourg banks. Everyday banking is increasingly managed entirely via smartphone — a direct response to competition from digital-first challengers.
Neobank competition — Revolut passes 100,000 clients
Revolut claims over 100,000 clients in Luxembourg, attracting expats with competitive exchange rates and low foreign transaction fees. N26 is also active in the market. However, these challengers have a fundamental limitation: they do not provide LuxTrust certificates, do not allow Luxembourg tax deductions, and cannot offer mortgage or personal lending products — making them complementary to, not a replacement for, a traditional Luxembourg account.
Offer consolidation — 2 to 3 packages per bank
Luxembourg banks are streamlining their product ranges: the complex grids of five to seven packages are giving way to two or three clearly differentiated offers. Entry-level V-Pay accounts have virtually disappeared, replaced by Visa Debit offerings — which are more widely accepted online and abroad. While transparency has improved, this consolidation has generally pushed prices upward across the board.

Understanding banking fees in Luxembourg

Beyond the headline monthly fee, here are the six types of charges to examine carefully before opening a current account in Luxembourg in 2026.

🔴
Overdraft charges — interest and fixed fees
7% – 9% p.a.
All Luxembourg banks charge overdraft interest (equivalent to "agios") of between 7% and 9% per annum on outstanding negative balances. Some additionally charge a fixed commission the moment the account enters the red — up to €50 per incident. BIL Gold (−25 bps) and BIL Platinum (−50 bps) offer preferential overdraft rates. Always check the fee schedule before committing.
Check the official fee brochure before signing
🏧
Third-party ATM withdrawal fees
€1.50 – €2.50
Withdrawals within your bank's own network are free and unlimited. At third-party cash machines, expect to pay €1.50 to €2.50 per withdrawal beyond the free monthly allowance (1 to 4 per month depending on the package). POST eboo accounts stand out with fee-free withdrawals worldwide, while Spuerkeess Zebra Premium and the Axxess youth accounts include 4 free third-party withdrawals per month. If you frequently withdraw cash, prioritise accounts with higher free withdrawal allowances.
Check how many free third-party withdrawals are included
↔️
External SEPA transfer fees
Usually included
The vast majority of Luxembourg accounts include unlimited SEPA transfers to any European bank. International transfers outside the SEPA zone are charged — typically 0.20% of the amount (minimum €5 to €9 depending on the bank). Only BGL Pack Exclusif includes free international wire transfers. Currency conversion charges apply in addition for non-euro transactions.
Unlimited SEPA transfers included at all major banks
💳
Bank card fees
€0 – €60 / year
Most Luxembourg accounts include at least one card in the monthly fee. BGL Pack Essentiel remains the cheapest at just €2/month (with the loyalty bonus), with a debit card included and a credit card available as an option. An optional credit card may cost an additional €24 to €66/year. Always calculate the total cost (monthly fee plus any card charges) when comparing accounts.
Factor in card costs when comparing accounts
🌍
Foreign currency charges
0.5% – 3%
Paying in a foreign currency with your Luxembourg bank card triggers conversion fees (typically 0.5% to 3% depending on the bank). Some institutions add fixed per-transaction charges on top. For frequent travel outside the euro zone, the optimal strategy is to pair your Luxembourg account with a neobank such as Revolut for foreign currency spending — the two are complementary, not competing.
Revolut + Luxembourg account: the winning combination
🔧
Miscellaneous fees to watch out for
€0 – €75
One-off charges can apply: card replacement (often free at BGL Exclusif and Raiffeisen), card blocking (generally free), express card reissue (up to €75), written overdraft notifications (up to €20 per letter). These charges are listed in each bank's fee schedule, which is publicly available on their websites — always read it before signing up.
Fee brochures are public — read them before you sign

Full comparison table — 12 personal offers

Data verified on official BGL, BIL, Spuerkeess, Raiffeisen and POST brochures — 10 June 2026

Comparison of personal current accounts in Luxembourg — 10 June 2026. Source: Switchr.
Feature
BGL
Essentiel
BGL
Confort
BGL
Exclusif
BIL
Digital
BIL
Gold
BIL
Platinum
Spuer.
Zebra
Spuer.
Zebra Prem.
Raiff.
OPERA+
POST
eboo S
POST
eboo M
POST
eboo L
Monthly pricing
With salary direct deposit€2€4.50€9€3.50€9.90€19.90€3.50€9.50€10.75€5€8€10
Without direct deposit€4€9€12€5€11.90€21.90€3.50 (same)€9.50 (same)€10.75 (same)€5 (same)€8 (same)€10 (same)
Direct deposit threshold≥ €1,500/mo≥ €1,500/mo≥ €1,500/mo≥ €1,500/mo≥ €2,500/mo≥ €4,000/moNoneNoneNoneNoneNoneNone
Free youth offer————Yes (18-27)————Yes (<26)——
Welcome offer———Free 12 months————————
Bank cards included
Debit card(s)1 Visa Debit1 Visa Debit2 Visa Debit1 Visa Debit1 Visa Debit2 Visa Debit1 of choice2 Visa Debit1 Visa DEBIT1 Visa Debit1 Visa Debit1 Visa Debit
Credit card includedOptionalClassic or MC Gold2 of your choice—Visa GoldVisa PlatinumOptionalClassic + PremierVisa Gold—VisaVisa Gold
Gold / Premium card——Your choice—✓ Gold✓ Platinum—✓ Premier✓ Gold——✓ Visa Gold
ATM withdrawals and transfers
Own network ATMsUnlimitedUnlimitedUnlimited (BNP Global)5/month network10/month network99/month networkUnlimited (S-Bank)Unlimited (S-Bank)Unlimited (Raiff.+POST)Free (worldwide)Free (worldwide)Free (worldwide)
Other banks EU ATMs—1/month free3/month free€2.50/withdrawal2/month free4/month free1/month free4/month free1/month freeFree* (worldwide)Free* (worldwide)Free* (worldwide)
Unlimited SEPA transfers✓✓✓✓✓✓✓✓✓✓✓✓
Insurance and premium services
Travel insurance included————✓✓—————✓
Medical expenses abroad————€50,000€250,000——————
Trip cancellation————€5,000€15,000—————✓
LoungeKey airport access—————2/year + Smart Delay——————
Apple Pay / Google Pay✓✓✓✓✓✓✓✓✓✓✓✓
Credit and financing benefits
Mortgage benefit—€250 fixed (<30)€250 fixed——-25bps + 0.25%—-25% commissionPreferential termsReduced file feesReduced file feesReduced file fees
Personal loan benefit—Free <30Free—-50% fee-50% fee—Preferential rate + freePreferentialReduced file feesReduced file feesReduced file fees
Overdraft rateStandardStandardStandardStandard-25 bps-50 bpsStandardStandardStandard8%/year8%/year8%/year

Frequently asked questions — Luxembourg Banks

Everything you need to know to choose your bank account in Luxembourg in 2026

Which is the cheapest bank in Luxembourg in 2026?

▼
In June 2026, BGL BNP Paribas Pack Essentiel is the cheapest at €2/month with salary direct deposit (≥ €1,500). Without conditions, Spuerkeess Zebra and BIL Digital are both €3.50/month. See our full guide →

Can you get a free bank account in Luxembourg?

▼
Yes. BIL Gold is free for ages 18-27 (Visa Gold + travel insurance). BIL Digital is free for 12 months when opened online. Spuerkeess Axxess (Study/Job) and Raiffeisen Green Code are free for students and young workers under 30. Raiffeisen Green Code Job includes OPERA PLUS free for 2 years.

Which bank offers the best travel insurance in Luxembourg?

▼
BIL Gold (€9.90/month) and BIL Platinum (€19.90/month) offer the most comprehensive medical cover abroad — up to €250,000 with BIL Platinum (cancellation, LoungeKey). POST eboo L (€10/month) also includes travel insurance (trip cancellation, baggage, car rental, winter sports) without medical expenses cover. International banking fees guide →

Is salary direct deposit mandatory for Luxembourg banks?

▼
No. It only reduces fees at BGL and BIL. Spuerkeess and Raiffeisen offer fixed rates with no conditions whatsoever. Understand Luxembourg banking fees →

How to open a bank account in Luxembourg?

▼
Documents required: valid ID or passport, proof of address, employment contract. BIL and BGL offer fully online account opening. Spuerkeess and Raiffeisen generally require a branch visit. The bank provides you with a free LuxTrust digital certificate. Get LuxTrust free →

Which bank to choose for a mortgage in Luxembourg?

▼
Spuerkeess Zebra Premium offers -25% on mortgage application fees. BGL Pack Exclusif: fixed fee €250. BIL Platinum: rate -25bps. Raiffeisen OPERA PLUS offers preferential financing terms. Compare mortgages →

Do cross-border workers need a Luxembourg bank account?

▼
Yes, strongly recommended. A Luxembourg account provides: a free LuxTrust certificate (required for MyGuichet.lu), salary domiciliation for reduced fees, and the ability to deduct pension savings premiums on your Luxembourg tax return. All 5 banks in this comparison (BGL, BIL, Spuerkeess, Raiffeisen and POST) accept European non-residents. Services for cross-border workers →

What is LuxTrust and how to get it free in Luxembourg?

▼
LuxTrust is Luxembourg's digital identity certificate, required for MyGuichet.lu. By opening an account at any Luxembourg bank, LuxTrust is provided free of charge. Without a Luxembourg bank account, it costs around €25/year. Free LuxTrust guide →