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Good to know

As of 1 January 2021, following the entry into force of a new European regulation(1), the security of your online transactions will be strengthened via the global use of 3D Secure.

What does this mean?

Two-step authentication will now be required to make purchases online: a payment card with activated 3D Secure functionality and a LuxTrust certificate. It will no longer be possible to confirm online payments by text message. Your purchases will need to be confirmed using LuxTrust Mobile or your physical Token. Otherwise, the transaction will not be approved.

If you no longer have these credentials:

  • Go to the Settings section of your Web Banking page (left-hand column).
  • Click on Retrieve my LuxTrust login details.
  • Follow the instructions provided.

What do I need to do to be able to keep making purchases online?

No further action is required on your part. Confirmation of online transactions by text message will be automatically discontinued on 1 January 2021. Your LuxTrust certificate will be automatically linked to your cards. If you use your Token, you will be asked to enter your LuxTrust username and password to confirm your purchases.

For a better user experience, we recommend that you install the LuxTrust Mobile app, which is a replacement for your physical Token.

  • icone faq question I’ve forgotten my LuxTrust login details.

    Your LuxTrust login details can be found in the letter sent to you by LuxTrust when your certificate was first created.

    • If you no longer have this letter, go to : the Settings section of your Web Banking page;
    • or Settings > Login & security area > LuxTrust Mobile in your Web Banking app.

    Click on “Retrieve my LuxTrust login details”. You will be sent a text message containing your original login details.

    Then go to the LuxTrust website to get a new password.

    Should you have any difficulties (incorrect telephone number or technical issue), contact LuxTrust on (+352) 24 550 550.

     
  • icone faq question What is 3D Secure?

    3D Secure ensures that your online payments are secure. It is designed to prevent online credit card fraud.

    Please note that 3D Secure is linked to the use of your LuxTrust Token.

  • icone faq question What payment cards can I use 3D Secure with?

    You can benefit from 3D Secure technology with the BGL BNP Paribas Visa Debit card and all BGL BNP Paribas credit cards.

  • icone faq question How do I activate 3D Secure?

    3D Secure will be activated automatically as of 01/01/2021. If 3D Secure has not been activated for your card, you can contact our Client Service on +352 42 42 – 2000.

  • icone faq question How is the 3D Secure code sent?

    When making a purchase, there are two ways to confirm your transaction: either by using your physical Token or using your mobile Token.

  • icone faq question Do all e-commerce websites use 3D Secure?

    It will be a requirement for all European online retailers as of 01/01/2021.

  • icone faq question What changes during online purchases?

    With 3D Secure, when making an online purchase you’ll be asked for a one-time password, valid solely for the current transaction. 3D Secure ensures that it is really you making the payment, helping prevent fraud.

  • icone faq question How do I get a LuxTrust Token?

    The LuxTrust Token makes banking operations secure.
    To get your free Token, call (+352) 42 42 – 2000 or visit your local branch.

    You can also order a Token using the Web Banking platform, under “LuxTrust certificates” > “Order a LuxTrust product”.

  • icone faq question I want to make a card payment on a website but the 3D Secure confirmation page shows my old certificate. How do I change it?

    Simply log on to Web Banking and head to the 3D Secure settings for the card you wish to use to make the payment, and assign the new certificate.

(1) Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market (PSD2).