Moving to Luxembourg? Find the best contracts for your move
The first thing to do when you are a new resident of the Grand Duchy is to compare service providers. Most contracts have a commitment period of 1 to 2 years. And given the complexity of changing operators, you might as well say that once you've settled in, you'll never change again! So you might as well choose the best subscriptions right away.
We have therefore selected for you the best services available in Luxembourg. You will find them in three categories:
- "Top"(for the best value for money)
- "Eco"(to save money)
- "Premium"(if you want the best guarantees or features).
Feel free to switch between the tabs to see the best offers in each category and make your choice. If you want more details, you can also check out the full comparators on this site.
Why compare offers when moving to Luxembourg?
Even though there are only a few suppliers in Luxembourg, it is worthwhile comparing offers between them:
- Prices can vary enormously from one provider to another, for the same service. Some providers are known to be expensive and others cheap, even though they offer more or less the same service. This is linked to the fact that there is little competition between the players in the market overall.
- You may be charged a hidden fee. This is the case, for example, with the fibre installation fee for Internet subscriptions. Some providers offer these fees. Others charge them (and they are usually written very small in the contract). Some consumers may discover this fee (€100 to €200) on their first bill. If you can avoid paying them, all the better!
- The terms of engagement may be different. Some providers offer 2-year commitments, others only 1 year. The less time you spend on your contract, the sooner you can switch to a cheaper deal.
- Some providers offer very interesting advantages in their basic offers: such as favourable loan rates for a bank, protection while abroad for a home insurance policy or Internet access from the first day of your contract for an Internet service provider.
For all these reasons, we have created a comprehensive comparison tool that allows you to analyse the majority of offers available on the Luxembourg market. The analysis is independent and the service is free!
When should I take out a subscription?
Insurance
The first thing to do when you arrive in Luxembourg is to insure your belongings. You will need cover from your first day, or even a little earlier if you are renting accommodation.
- Before arriving, take out home insurance first. This is compulsory to cover your future home against various risks, and is usually the first thing you should do.
- Then, if you come with your car, make a change to your car insurance policy. Cancel your foreign policy and choose a Luxembourg insurance policy (this is compulsory if you are a resident of the Grand Duchy).
Energy contracts
On the day you move in, you and the landlord or estate agent will need to read your electricity and/or gas meter. This information will enable you to change the name of your energy contract.
Read these figures and then...
- Open an electricity contractthe number of kWh recorded at the time of the inventory of fixtures
- Open a gas contract (for example, if your heater or hob is gas). If you don't know, ask the owner of the property: he or she will be able to tell you.
Telecom subscriptions
Once in your home, you will need to access the Internet, watch TV and make phone calls.
- Take out an Internet subscription (online or in the shop). If you like to watch television, you can also take out a TV option with your Internet package. Some providers offer Internet access from day one of your contract. You will have a 4G box while you wait for the line to be opened or for the fibre to be installed in your home.
- Take out a mobile package with a Luxembourg operator. It is always better to have a local telephone number, especially if you intend to use it for your work (with business relations or colleagues). It's also an advantage when it comes to getting a job or accommodation: like everywhere else, Luxembourgers are more likely to answer the phone when they see a "+352" number.
The bank account
This is the last thing you will have to open. Unless your employer asked you for a Luxembourg IBAN when you signed your employment contract (in which case, this will be the first thing to do!).
In any case, you will need a Luxtrust certificate to access various digital services provided by the Luxembourg government (health reimbursements, online taxes, family allowances). And only banks offer a Luxtrust (otherwise, you will have to pay more than a hundred euros). So you might as well open an account in Luxembourg.
- Take the time to compare banks on our online bank comparison tool.
- Open a bank account in Luxembourg with the bank of your choice, and benefit from a free Luxtrust.
Steps to take when moving to Luxembourg
If you are arriving in Luxembourg for the first time, you should know that there are a lot of things to do.
For example, you will need to :
- Declaring your arrival to the authorities and to provide proof of their existence.
- Provide your full contact details and your new IBAN to your employer
- Getting your marriage or civil partnership recognised in the Grand Duchy (if this is the case)
- etc.
The guide to moving to Luxembourg
Administrative procedures, taxes, health reimbursements, contracts... Everything is explained in this article.
Are you a resident and moving to Luxembourg? Take advantage of this opportunity to make savings
Comparing offers: a good way to save money
If you are already a Luxembourg resident, you probably have all the services you need in your current home. But Did you know that you can save several hundred euros per year?
In Luxembourg, there are sometimes large price differences between Internet and mobile phone providers, or between energy suppliers (electricity, gas). The same applies to car and home insurance. The differences can amount to several dozen euros per month on a single contract. Over several years, that's a lot of money!
As you change your address and review all your contracts, the move is the ideal time to clean up and choose operators that offer the best value for money.
Which contracts to terminate and how?
If you are moving to Luxembourg and have been a resident for a few years, you are probably no longer committed to most suppliers. You can then easily cancel your subscriptions and take out new ones.
Moving day
Start with the simplest and most obvious of moves: your energy contract. Cancellation of an electricity or gas contract is possible at any time and free of charge.
- Compare energy offers and make sure the supplier you choose has contracts at your new address
- To save as much as possible, cancel your contract on the day you move, and send a meter reading. This way you won't have to pay an extra monthly payment.
- Once you have arrived in your new home, take out a new energy contract.
Once you have moved into your new home
Then, once you have moved, you can take the time to cancel the following contracts:
- Your Internet subscription. You can apply for a new subscription at the new address with a better provider. Please note that you can only cancel the contract if you are no longer committed (the commitment period for an Internet subscription is 2 years). If you took out your subscription more than 2 years ago, that's fine!
- Your mobile subscriptionIf you have completed your commitment period (for a SIM card only, the contract may be without commitment. However, there will be a 2-year commitment if you bought your package with a phone provided by the operator).
- Your bank account : the new bank you choose can take care of the change of bank for you. There is no commitment period: you can close your account at any time (except for some life insurance contracts or pension plans for example).
- Your car and home insurance : insurance policies can only be cancelled within 30 days before the anniversary date of the contract. Otherwise, it is automatically renewed for another year. If the anniversary date of your insurance contract is too far away, set an alert on your phone to remind you to change your insurance at that time.
In all cases, cancellations must be made in writing. They must be sent by registered mail with acknowledgement of receipt, to prove that you have indeed requested the cancellation. You can find the cancellation procedure on the websites of the suppliers concerned.
Moving to Luxembourg: declaring your change of address
There are many declarations to make when you change your place of residence. Communicate your new address...
- to your employer (for sending your pay slips and contact information)
- to your service providers (Internet, mobile, bank, energy, insurance provider). You can write an email to customer service or your account manager informing them of the new address.
- to your bankby writing to your bank advisor
- to the municipal administration once you have moved: register with the authorities in your new commune as soon as you arrive. They will take care of de-registering you from your old commune. The government file will then be updated with your new address (for all tax-related communications, for example).
- to the National Health Fund (to receive your health reimbursement statements). Here is an article explaining how to make this change of address.
The best contracts to settle in Luxembourg
Are you moving house? Compare our selection of offers and settle in with peace of mind!
Things to do for your move
Are you a resident and moving? Here's a checklist with all the things to do until moving day, to make sure you don't forget anything!
3 months before your move
- Give your landlord notice to leave to leave the premises without paying a penalty: send a letter by registered mail with acknowledgement of receipt specifying the date on which you intend to leave the accommodation
- Find out how much it costs to move and book your dates
- Book a van rental if you are going to do the move yourself
- Get quotes from professional movers if you prefer to have everything taken care of
- Put your days off for moving : you are entitled to 2 days per 3-year period. Contact your employer to book these dates in advance. The employer cannot refuse you this leave. Your company's collective agreement may grant you additional days: check with your Human Resources department!
- If you have children, inform their school that you are moving.
1 month before your move
- Make a list of items to be movedYou can also start to dismantle your furniture, if you can, and start to put it away by theme (books, crockery, clothes, etc.). If you can, also start taking apart your furniture.
- Buy your boxes and vacuum bags to save space (if you are moving yourself). Start packing the items into the boxes.
- Transfer or cancel your home insurance.
- Change your Internet providerYou can also transfer your subscription contract if you are still with your old operator. You can do the same with your mobile package.
- Agree on a time slot to carry out the entry inspection with your new landlord (if you are still a tenant after your move)
- Cancel your current energy contract on the date of the move so that you do not have to pay an extra monthly payment. To do this, contact the customer service department of your energy supplier.
2 weeks before the move
- Transfer mail with POST in order to receive your letters and parcels at your new address while waiting to communicate your new address to all suppliers
- Inform your bank of your move and your new address
- Start emptying your fridge and freezer, and clean it well!
Moving day
- Clean up your flat or house
- Take stock of your old home when you leave it
- Take stock of your new home on arrival
- Take meter readings for water, electricity and gas
- Take out a new electricity or gas contract and indicate the meter readings taken
- Get your 4G box back if you have chosen a provider that offers Internet access from day one
After the move
- Declare your arrival to the local authority, and collect your new residence certificate. If you have a car, take the vehicle registration certificate with you and also ask for the change of address on your vehicle registration document
- Send a copy of your new residence certificate to the relevant bodies to ensure that your change of address is taken into account (your employer, the National Health Fund, the National Family Benefits Fund)
- Welcome the Internet technicians for the installation of the fibre or the activation of the line in your home
- Find a new doctor near you
After this checklist, you will have officially moved and can enjoy your new home with peace of mind!
The checklist of steps involved in moving house
3 months before
- 🏠 Sending notice to leave your home by registered mail with acknowledgement of receipt
- 📅 Take 2 days' removal leave (more if the collective agreement allows it)
- 💰 Find out the cost of a move and start booking the truck or get quotes from professional movers
- ⚡ Terminate your energy contract with the effective date of your move
1 month before
- 🛡️ Transfer or cancel your home insurance and take out a new one for the new address, with effect from the date of moving
- 💻 Cancel your Internet subscription or transfer it to your new address
- 📅 Agree on a time slot to carry out the inventory of fixtures on leaving and the inventory of fixtures on entering the new home
- 📦 Buy boxes (if moving yourself) and start putting things away. Start dismantling large pieces of furniture.
2 weeks before
- 🏦 Notify your bank of your change of address
- 📬 Do a mail forwarding with POST to continue receiving letters and parcels
- 🧊 Empty your freezer and clean it. Start sorting through your food.
The day
- 🚚 Finalize the boxes and load them into the truck to move.
- 🧹 Give your home a good cleaning (living room, bedrooms, bathroom, kitchen) and give it a good scrub!
- ⚡ Read water, electricity and gas meters and take out new energy contracts
- 💻 In case of a new Internet subscription, get your 4G box for Internet access on the first day of the contract.
After the move
- 🏛️ Declare arrival in the new town to the local authority (within a week of moving)
- 🚗 Change the address on your car registration certificate at the local authority
- 📄 Send your new residence certificate to the various organisations
- 🔌 Welcoming the Internet provider's technicians to install the fibre in his new home
- 💪 Optimise your expenses: choose a better bank, a better mobile package and a better car or home insurance.
- 🔎 Check your bank account to make sure that there are no more payments for terminated contracts.
- 👩⚕️ Find a new GP near you
Internet, energy, insurance, banking...
Discover our selection of contracts and subscriptions for your move to Luxembourg.
Frequently asked questions (FAQ)
What should I do when I move?
If you are moving to Luxembourg, remember to transfer or terminate your contracts (Internet, energy, insurance). You must then declare your arrival to the administration of your new commune. Finally, you will need to open an energy contract, install the fibre in your new home and declare your new address to the relevant bodies (your employer, the CNS, the CAE).
When to start moving?
The move starts 3 months before: remember to book a van or a slot with a professional mover. 1 month before, transfer or cancel your contracts and subscriptions. 2 weeks before, transfer your mail. And on the day of the move, declare your arrival to the local authority, send in your new residence certificates and open your new energy contracts (electricity, gas).
How to move in 15 days?
Quite a challenge! If you are moving yourself, buy your boxes quickly, put everything away, dismantle your furniture and empty your freezer. At the same time, cancel or transfer your contracts (insurance, energy, Internet, mobile) to your new address. Ask your employer to give you 2 days off for moving. Finally
How much does a move cost?
A professional removal in Luxembourg can cost between €800 and €2500, depending on the volume of boxes and furniture you wish to move. The distance between your old home and your new home is also a factor that determines the price.
How to change the address on your vehicle registration document?
If you have a car, take your registration certificate with you when you report your arrival to the local authority. Ask for an update of your address on your vehicle registration document. The local authority will take care of the address change.
Why move to Luxembourg?
Moving to the Grand Duchy can be an opportunity to accelerate your career and earn a better salary. However, the cost of living is also more expensive. That's why it's important to shop around before you start moving.
