Currencies:
Luxembourg has the euro as its official and national currency just like the other countries within the eurozone that use the common European money. One Luxembourg euro is subdivided into 100 cents.

Opening a Bank Account:
Opening an account is not a legal difficultly in Luxembourg and all that is typically required is proof of your ID and your address (which can be in your home country), plus a work contract if you are a resident in Luxembourg. Some banks operate completely online, where opening a bank account and investment can all be done from abroad. For the initial use of a debit or credit card, in most cases you will also need to show proof of income.

Credit/Debit Cards:
Credit cards are widely accepted within Luxembourg. Visa, MasterCard and Maestro are the most widely accepted. American Express is less common and Diners Club is pretty rare. Discover, JCB, UnionPay and RuPay are unknown.

However, some small businesses offer a discount for paying in cash or might not accept cards at all. If you have a magnetic stripe card, or have a chip credit card without a PIN you can still use it in Luxembourg, although they may not work in unattended vending machines like toll booths, gas pumps and train ticket vending machines.

Bank Opening Hours:
Generally, banks are open from Monday to Friday, between 9 and 12 a.m. and 2 and 4.30 p.m. Some banks are also open on Saturday mornings and during noon.

ATMs:
ATMs are widespread in Benelux cities and towns, and you can even find them in some villages. They accept bank cards and credit cards linked to the Cirrus and PLUS networks. Use the ATMs at Brussels, Amsterdam, and Luxembourg City airports to avoid the bad deals from the airport’s currency-exchange offices.

Be sure you know your personal identification number (PIN) and daily withdrawal limit before you depart. If you have a five- or six-digit PIN, also be sure to obtain a four-digit number from your bank to use in the Benelux. Some cards with five- or six-digit PINs might work, but it depends on what bank you use. The best advice is to get a four-digit number from your bank.

Note: Remember that many banks impose a fee every time you use a card at another bank’s ATM, and that fee can be higher for international transactions (up to $5 or more) than for domestic ones (where they’re rarely more than $2). In addition, the bank from which you withdraw cash may charge its own fee. For international withdrawal fees, ask your bank.

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