Starting business in Luxembourg

Begin your entrepreneurial venture with confidence as we navigate the complexities of company formation in Luxembourg. Our professional consulting services are designed to ensure your success.

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Explore the dynamic business environment of Luxembourg. We provide a crucial insights to help you navigate this thriving market.

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Quickly and easily register your company in Luxembourg from abroad. Dive into the dynamic business environment with ease.

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Enjoy a hassle-free banking solution designed to support your global business ambitions.

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Guiding your global business to compline with local accounting principles and Tax rules

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Registering address for your company at precious locations in Europe, creating a professional image in the customer's mind

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Open business bank account in Luxembourg

Opening a business bank account in Luxembourg offers significant advantages for entrepreneurs and companies.

The country is known for its financial stability, attractive tax conditions, and robust banking infrastructure. Luxembourg banks provide a high level of privacy and data protection, ensuring the security of your business transactions.

Additionally, businesses benefit from a wide range of financial services, including corporate accounts, investment solutions, and asset management. These factors make Luxembourg an appealing destination for international business and investment.

Traditional Banks in Luxembourg – Reputable & Popular

1. Spuerkeess (Banque et Caisse d'Épargne de l'État - BCEE)

Website: https://www.spuerkeess.lu

State-owned, highly secure, current & savings accounts, SME support, loans, investment services, online banking. Ranked among the world’s safest banks (Global Finance Magazine), offering high trust and reliability for your business funds.

2. BGL BNP Paribas

Website: https://www.bgl.lu

International presence, business & multi-currency accounts, corporate cards, online banking, SME business centers. Periodic promotions for startups and new business clients, such as reduced account fees or preferential loan rates (check website for current offers).

3. Banque Internationale à Luxembourg (BIL)

Website: https://www.bil.com

Long-standing local bank, business banking, asset management, investment services, online banking. Comprehensive range of business current accounts, savings, and cash management solutions tailored to different company sizes and sectors.

4. Banque Raiffeisen

Website: https://www.raiffeisen.lu

Cooperative bank, current & savings accounts, SME focus, loans, online banking

5. ING Luxembourg

Website: https://www.ing.lu

Strong digital platforms, business accounts, loans, investment products, international services

International Bank branches for business in Luxembourg

1. Société Générale Luxembourg

Website: https://www.societegenerale.lu

Corporate and investment banking, asset management, tailored solutions for businesses. Supports multi-currency and multi-product accounts, online banking (Multiline, Global Cash, Swiftnet, SFTP), and credit card issuance for corporate clients.

2. Deutsche Bank Luxembourg S.A.

Website: https://www.db.com/luxembourg/

Global reach, investment banking, business solutions for corporates and institutions. Leverages Deutsche Bank’s international network to support cross-border business and complex corporate structures, with a strong focus on European and global markets

3. HSBC Luxembourg

Website: https://www.hsbc.lu

Multi-currency accounts, international payments, HSBCnet online banking, support for resident & non-resident companies. Provides a wide range of trade finance services, including letters of credit, guarantees, and supply chain financing, leveraging HSBC’s extensive global network.

Digital Banks & EMI Providers in Luxembourg

1. Satchel.eu

Website: https://satchel.eu

100% online application, unique European IBAN, SEPA/SWIFT payments, physical/virtual cards, 24/7 access, available to EU & non-EU residents. Access global and local payments in over 20 currencies, transact in the beneficiary’s currency to avoid exchange fees, and enjoy banking services in over 100 countries.

2. OneMoneyWay

Website: https://onemoneyway.com

Luxembourg IBAN, no residency requirement, online setup, multi-currency, corporate Mastercard, 24/7 support. Multi-Currency Accounts: Hold, send, and receive payments in multiple currencies, supporting global business needs.

3. 3S Money

Website: https://www.3s.money

Local LU IBAN, high-value international payments, non-resident access, online onboarding. Established companies, international traders, high-growth startups, and businesses with significant cross-border transactions.

4. Wise (EMI)

Website:https://wise.com/business/

Freelancers, SMEs, e-commerce, global businesses, and anyone needing cost-effective, flexible international payments.

Requirements to open a business bank account in Luxembourg

To open a business bank account in Luxembourg, you must provide a comprehensive set of documents to satisfy legal, regulatory, and bank-specific requirements. Here are the main documents and information typically required, based on the latest guidance from Luxembourg banks and digital providers:

Document Type

1/ Company registration

2/ Constituent documents

3/ Identification/personal documents

4/ Business information

5/ Ownership/structure

6/ Tax/regulatory details

7/ Bank forms/declarations

8/ Proof of capital/source of funds

9/ Supporting documents (if requested)

Description/Examples

Certificate of incorporation, LBR extract

Articles & memorandum of association

Passports/IDs, proof of address for directors/owners

Business plan, activity description, projected turnover

List of directors/shareholders, RBE extract

TIN, VAT, CCSS number, licenses

Application forms, KYC/AML, letter of motivation

Bank statements, contracts, investment agreements

Major contracts, client/supplier info, organization chart

Our specialists advise:

When selecting a banking solution in Luxembourg, it is essential for businesses to assess their company size, financial requirements, transaction volume, and long-term growth objectives. Traditional banks offer comprehensive services, credit facilities, and in-depth advisory, making them ideal for established companies with complex needs and a focus on building lasting relationships. Meanwhile, digital banks and EMI providers deliver quick, flexible, and cost-effective solutions, perfectly suited for startups, SMEs, international businesses, and e-commerce ventures seeking seamless digital onboarding and multi-currency capabilities.

If you're unsure which option is right for your business or need step-by-step assistance with the account opening process, our team is here to help. We offer tailored consultations to match your corporate structure with the most suitable banking solution in Luxembourg or across Europe.

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