For your first appointment, please note that most of the banks are open from Monday to Friday, from 9 am to 4.30 pm. Be careful, some branches are closed between 12 pm and 1.30 pm.
Bring a form of identification (ID card or valid passport) and if necessary, depending on the bank, your employment contract.
Cash withdrawals are generally not free, except from the dispensers of your bank. However, some banks have special formulas linked to the transactional accounts, offering a certain number of free withdrawals in Luxembourg and in the EU.
Cash withdrawals are usually made with the V PAY card (Europen debit card system) offered by all banks or (but with extra fees) with your VISA card or MasterCard. In case of loss or theft of your American Express, V PAY, Visa or Eurocard MasterCard, contact CETREL (24/7) to 49 10 10.
When making purchases, you can pay with the V PAY debit card (direct debit) and with VISA card or MasterCard (deferred debit).
The main retail banks offer direct access to your accounts via an Internet Banking service with many on-line tools (loan simulator, taxation simulator, …).
More and more banks are offering a Mobile Banking app for smartphones.
Before going to a bank branch, don’t hesitate to visit the websites of various banks to get information and have a first impression.