0 Résultat

What are the conditions for opening an account in Luxembourg?

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 must be aged 18 or over and legally competent.

Good to know

You can open an account as a cross-border worker or even before arriving in Luxembourg, as soon as you have an employment contract.

What documents do I need to provide to open a bank account?

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:

  • a valid form of ID;
  • your employment contract or a recent payslip, proof of income or a certificate of school attendance;
  • proof of address: certificate of residence (dated within the last three months), electricity, gas, water bill, home insurance, certificate, or landline bill (dated within the last three months);
  • your tax number;
  • your e-mail address and your phone number so that we can contact you.

How do I open a bank account with multiple account holders?

couple utilise carte de credit pour achat sur internet

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.

Before your arriving in Luxembourg

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.

Mail : expat@bgl.lu 


Good to know

We can also help you access the rental market.

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.

How to open an account after arriving in Luxembourg?

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

Mail: expat@bgl.lu

If you are a resident of Luxembourg, you can open an account through the usual channels (online or at a branch).

How to find the bank account that suits your needs

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.

Switch Banks easily and free of charge

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. 

Open your account

In just a few clicks

Customise your deal
by selecting the package and options that suit you
Confirm your identity
easily via Luxtrust or video on your smartphone
Provide your details
confidentially in your secured area
Quick application
Open my account online

Frequently asked questions

  • icone faq question
    How do I open a bank account for a child?

    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: 

    • For the child: identity document, proof of address, proof of residence
    • For the legal representative: identity document

    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.

  • icone faq question
    How do I open an account at BGL BNP Paribas if I’m a minor?

    Minors can open an account with BGL BNP Paribas. However, their legal guardian’s signature is required to open this account.

  • icone faq question
    Can I open an account as a US person?

    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.

  • icone faq question
    Can I open an account if I live in a hotel, airbnb or flatshare?

    If you live in a hotel or similar, the following additional documents (not exhaustive list) must be provided:

    • Your residence permit, or a certificate such as the déclaration d’arrivée d’un ressortissant de pays tiers pour un séjour de plus de 3 mois (declaration of arrival of a third-country national, for a stay of more than three months);
    • An invoice from the hotel where you are living;
    • Proof of accommodation
  • icone faq question
    What are the fees for BGL BNP Paribas current accounts?

    The full list of applicable fees for our bank services can be found here: Brochures and fees | BGL BNP Paribas

  • icone faq question
    Where can I find my tax number?

    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.