top of page
12 - Copy.jpg
USEFUL INFORMATION ON HOW TO
OPEN A PROFESSIONAL BANK ACCOUNT FOR YOUR COMPANY IN LUXEMBOURG
ACCUEIL

OVERVIEW

IMG-4240_edited.jpg
Are you an entrepreneur or freelancer in Luxembourg and you are unable to open a current account for your activity?
You are not the only person this is happening to!
Unfortunately, there is no right to a professional bank account in Luxembourg. Banks are private companies and they have every right to refuse customers without giving any explanation.
​​

This site is therefore aimed at entrepreneurs who create a commercial activity through a capital company (eg Sàrl, Sàrl-S etc.) or in their own name ("freelance") and who need an account. banking professional to separate their private money from their professional money .

Good preparation will increase your chances of getting a favorable response. A dossier for opening a business bank account should typically include the following documents:

REQUIRED DOCUMENTS

Styliste travaillant

Personal documents

  • Identity card

  • Residence certificate

  • Social Security number

  • Up-to-date Curriculum Vitae

  • Business plan (Business Plan) allowing a good understanding of the targeted activity

  • Cover letter explaining why you want to open an account with this particular bank

Identity documents must be provided for each partner in the project , whether as holder of the business permit or as an associate.

réunion d'affaires

Les documents liés à l'entreprise

  • Copy of business license 

  • Extract from Luxembourg Business Registry:

    • Numéro Axxxxxx pour les indépendants en nom personnel

    • Numéro Bxxxxxx pour les entreprises à capitaux (Sàrl, Sàrl-S etc.)

  • À fournir pour les entreprises à capitaux:

    • Copie des statuts de la société

    • Extrait du registre des bénéficiaires effectifs 

  • Numèro de TVA (LUxxxxxxxx), si applicable

  • Code NACE de l'activité (Trouver son code NACE)

  • Preuves de l'origine des fonds utilisés pour démarrer l'activité

Collaboration

Les documents fournis par la banque

Chaque établissement bancaire dispose de ses propres formulaires d'entrée en relation. En général, la banque vous fournit les formulaires suivants :

DOCUMENTS REQUIS

Useful information

  • ATTENTION: a complete file does not automatically mean that you receive an agreement to open an account.
  • It is NOT the desk staff who decides whether you are granted an account, but a separate committee who have never met you.
  • Your banking history can play a role: if a bank finds that you have a lot of debt or that you never pay your bills on time, it gives a bad image of the ability to manage money.

The main commercial banks in Luxembourg

  • POST Finance

  • La Banque Générale du Luxembourg, BGL

  • Banque Internationale à Luxembourg, BIL

  • La Banque et caisse d'Epargne de l'Etat, BCEE

  • Bank Raiffeissen

  • BNP Paribas

  • ALEBA

INFOS UTILES
_K1A7510.jpg

Work with your professional current account afterwards

ABOVE ALL...

... don't give up at the first refusal!
  • Each transaction must be documented by an invoice, receipt or other valid document.

  • For a cash deposit, it is always important to be able to document the origin of this money (cash statement, invoices, etc.).

  • For transactions to countries outside the EU, talk to your banker to make sure this is not a problem.

ÉVÉNEMENTS
SCORE is a project created by Touchpoints asbl in direct response to the difficulties  encountered by many business leaders, including migrants in particular, to open a business current account in Luxembourg. The prerogative to offer an entrepreneur a business bank account is left entirely to the bank. To open a business bank account, banks are generally guided by anti-money laundering, anti-terrorism and other criminal activity regulations as well as their openness to entrepreneurship and SMEs.

Project duration: 10/2021 - 12/2022

 

For more information >

THE SCORE PROJECT

Upcoming Events

  • ATELIER D'UN JOUR Franç. - Comment ouvrir un compte bancaire professionnel au Luxembourg.
    ATELIER D'UN JOUR Franç. - Comment ouvrir un compte bancaire professionnel au Luxembourg.
    Mon, 17 Oct
    Luxembourg
    17 Oct 2022, 09:00 – 17:00 CEST
    Luxembourg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    17 Oct 2022, 09:00 – 17:00 CEST
    Luxembourg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    Atelier gratuit de 9h à 17h sur les difficultés de l'ouverture d'un compte bancaire professionnel au Luxembourg et comment constituer son dossier.
    Share
  • InfoSession d'1 heure (!) - Ouvrir un Compte Bancaire Professionnel
    InfoSession d'1 heure (!) - Ouvrir un Compte Bancaire Professionnel
    Sat, 08 Oct
    Luxembourg
    08 Oct 2022, 13:15 – 14:00
    Luxembourg, 142 Val Ste. Croix, 1370 Luxembourg
    08 Oct 2022, 13:15 – 14:00
    Luxembourg, 142 Val Ste. Croix, 1370 Luxembourg
    En quelques conseils pratiques (1h), découvrez comment préparer votre dossier de demande d'ouverture de compte avant d'approcher une banque. Une bonne préparation est essentielle pour augmenter les chances d'être accepté comme client !
    Share
  • 1 DAY WORKSHOP Engl. - How to Open a Business Bank Account in Luxembourg.
    1 DAY WORKSHOP Engl. - How to Open a Business Bank Account in Luxembourg.
    Mon, 03 Oct
    Luxembourg
    03 Oct 2022, 09:00 – 17:00
    Luxembourg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    03 Oct 2022, 09:00 – 17:00
    Luxembourg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    A free 1-day workshop from 9 am to 5 pm on how to open a professional bank account and the reasons why this can be a challenge in Luxembourg.
    Share
  • كيف تفتح حساب مصرفي مهني في لوكسمبورك
    كيف تفتح حساب مصرفي مهني في لوكسمبورك
    Tue, 14 Jun
    Luxemburg
    14 Jun 2022, 09:00 – 15 Jun 2022, 17:30
    Luxemburg, Chamber of Trades, 2 Circuit of the International Fair, 1347 Luxembourg
    14 Jun 2022, 09:00 – 15 Jun 2022, 17:30
    Luxemburg, Chamber of Trades, 2 Circuit of the International Fair, 1347 Luxembourg
    يقتصر عدد المشاركين على 30 فردًا - المشاركة مجانية ، وللتسجيل نحتاج فقط إلى الاسم والاسم الأول وعنوان البريد الإ
    Share
  • WORKSHOP EN - How to open a business bank account in Luxembourg?
    WORKSHOP EN - How to open a business bank account in Luxembourg?
    Tue, 07 Jun
    Luxemburg
    07 Jun 2022, 09:00 – 08 Jun 2022, 17:30
    Luxemburg, Chamber of Trades, 2 Circuit of the International Fair, 1347 Luxembourg
    07 Jun 2022, 09:00 – 08 Jun 2022, 17:30
    Luxemburg, Chamber of Trades, 2 Circuit of the International Fair, 1347 Luxembourg
    Free 2-day training workshop. Learn how to prepare your file to apply for a bank account for your business in Luxembourg. Limited number of attendees.
    Share
  •  EVENT NAME IMG PlaceHolder.png ATELIER FR - 2 JOURS - Comment ouvrir un compte courant professionnel au Luxembourg?
     EVENT NAME IMG PlaceHolder.png ATELIER FR - 2 JOURS - Comment ouvrir un compte courant professionnel au Luxembourg?
    Thu, 02 Jun
    Luxemburg
    02 Jun 2022, 09:00 – 03 Jun 2022, 17:30
    Luxemburg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    02 Jun 2022, 09:00 – 03 Jun 2022, 17:30
    Luxemburg, Chambre des Métiers, 2 Circuit de La Foire Internationale, 1347 Luxembourg
    Atelier gratuit de 2 jours. Découvrez comment préparer votre dossier d'ouverture d'un compte bancaire pour votre projet d'entreprise au Luxembourg. Nombre de participants limité.
    Share

With the support of :

FSE-LU-logo.jpg
download (2).png
download (1).png
bottom of page