Finance
Personal Finance
How to Open a Bank Account in Luxembourg: A Guide for Newcomers, Residents and Cross-Border Workers
Both residents and non-residents can open a bank account in Luxembourg. The main retail banks are Spuerkeess (BCEE), BGL BNP Paribas, BIL, ING Luxembourg and POST Finance, alongside neobanks like Revolut and N26 for everyday spending. You typically need a valid passport or ID, proof of address, your matricule (national social security number) and often an employment contract. An in-branch identity check is common, but several banks let you start online. Fees vary by bank.