Are you looking to open a bank account in Luxembourg? See whether you meet the conditions and check the guide to find out about opening an account online or at one of our branches.
Just arrived in Luxembourg? In most cases, you’ll need a current account with a Luxembourg bank fairly quickly. This will enable you to get paid, pay your rent or simply shop for what you need.
To open an account in Luxembourg, you’ll need to meet the following condition:
You can open an account as a cross-border worker or even before arriving in Luxembourg, as soon as you have an employment contract.
When opening your new account, we’ll ask you to provide certain documents.
Whether or not you’re a resident, you must supply the following documents:
If multiple people wish to open an account together in Luxembourg, for example for a house share, we call this a joint account.
To open an account with multiple account holders, each applicant must provide the documents required to open an account with BGL BNP Paribas.
To open a joint account, all future account holders must visit one of our branches together.
Are you coming to live or work in Luxembourg in a few weeks or months? In this case, it’s possible to prepare for your arrival and open a current account to plan for any administrative formalities.
You will be able to open an account if you already have an employment contract.
You can contact us or send us the documents required to open an account by e-mailing expat@bgl.lu, specifying your arrival date.
You will be contacted to organise the account opening and we will guide you step-by-step through the various formalities.
When renting a property, a rental deposit is normally requested by the landlord. This is usually two or three months’ rent and must be ring-fenced in an account. With your BGL BNP Paribas account, you can get a rental guarantee to cover your security deposit.
Have you just arrived in Luxembourg? Are you yet to find a permanent place to live? We can help to open your account to make settling in easier.
As soon as you have your employment contract, you can apply to open an account.
To help us prepare for your in-branch account opening appointment, you can send your documents in advance to the expat team e-mail address: expat@bgl.lu
If you are a resident of Luxembourg, you can open an account through the usual channels (online or at a branch).
By asking a few questions, BGL BNP Paribas will help you to identify the best bank account for your circumstances and individual needs. Explore the various account packages you can sign up for online or at a branch.
In addition, if your salary is paid into your BGL BNP Paribas, you will be eligible for a loyalty discount, which is an automatic discount on the cost of your account.
Are you looking to change banks?
With FaciliSwitch, the free bank switching service, BGL BNP Paribas will take care of everything on your behalf. Simple, quick and cost-free.
Frequently asked questions
To open an account for a child under 18, you’ll need to visit a branch.
The following documents are required to open an account for a child:
This list is based on the assumption that the legal representative wishing to open the account for the child is already a BGL BNP Paribas client.
Minors can open an account with BGL BNP Paribas. However, their legal guardian’s signature is required to open this account.
Yes, US persons can open an account. In this case, you must provide specific documents in addition to the standard documents required to open an account.
If you live in a hotel or similar, the following additional documents (not exhaustive list) must be provided:
The full list of applicable fees for our bank services can be found here: Brochures and fees | BGL BNP Paribas
In Luxembourg, your tax number is not included on official identity documents. However, this 13-digit number can be found on your social security card.
In France, the tax identification number (TIN/NIF) is assigned when the person is registered in the tax authority’s databases. This 13-digit number is also known as the “reference tax number” (or “SPI” number, which stands for “Simplification of Tax Procedures” in French). This reference tax number can be found on your pre-filled income tax return, and on your income, housing and property tax notices.
In Belgium, the TIN is the 11-digit national number (NN). It is usually found on the back of your ID or social security card (SIS card).
In Germany, the TIN is not included on official identity documents. The 11-digit Identifikationsnummer has existed since 2008. It can be found in the letter relating to the allocation of this identification number (Mitteilungsschreiben über die Zuordnung einer Identifikationsnummer).
For other countries, please contact your local tax authority.
