Luxembourg Expat Finance: Your First 90 Days Checklist

Moving to Luxembourg is exciting — but the financial admin can feel overwhelming. Here's a clear 90-day checklist to get everything in order.

Week 1: Register Your Arrival

1. Commune registration — Visit your local commune within 8 days. You'll receive your matricule (national ID number), essential for everything.
2. Residence permit — EU citizens get a certificate of registration; non-EU citizens need a residence permit from the Immigration Directorate.

Weeks 2–4: Banking

• BGL BNP Paribas — English service, good online banking
• ING Luxembourg — Competitive fees, English app
• Spuerkeess — National savings bank, branches everywhere
• N26 / Revolut — Digital options for those who prefer app-only banking

Bring: passport, proof of Luxembourg address, employment contract.

Month 2: Tax & Social Security

1. Register with ACD — your employer handles payroll tax automatically via your matricule
2. CNS registration — Your employer registers you for health insurance
3. CNAP registration — Pension enrollment (automatic via employer)
4. Determine your tax class — Class 1 (single), 1A (single parent), or 2 (married)

Month 3: Optimise

1. Check your tax card — ensure correct class and any deductions
2. Open savings account — Luxembourg has favorable savings rates
3. Review supplementary pension — Consider a 3rd-pillar pension for tax-deductible contributions