LuxTrust in Luxembourg: How to Obtain and Use Your Digital Identity

Are you moving to Luxembourg, opening a bank account, or trying to access MyGuichet.lu? It’s very likely that you’ll soon be asked to use a digital identification solution like LuxTrust.

LuxTrust helps secure your online identity. It’s used to log in to certain public services, access online banking, validate transactions, electronically sign documents, or complete administrative procedures online.

This guide explains what LuxTrust is used for, what products are available, how to obtain it, how to activate it, and what precautions to take to avoid fraud and phishing attempts.

What is LuxTrust used for in Luxembourg?

LuxTrust is a digital identification and online transaction security system. It allows you to prove that you are indeed the person logging in, authorizing a transaction, or signing a document.

For newcomers, LuxTrust often becomes indispensable right from the start: opening and managing a bank account in Luxembourg, accessing MyGuichet.lu, filing tax returns, or using electronic signatures.

Logging into your bank and authorizing payments

LuxTrust is frequently used to access online banking services and confirm certain sensitive transactions: logging into online banking, making transfers, and authorizing payments or online purchases.

When logging in or confirming a transaction, you use your LuxTrust credentials and an additional security factor, such as smartphone verification or a one-time code.

Access MyGuichet.lu and online public services

LuxTrust also allows you to access certain online public services, including MyGuichet.lu, Luxembourg’s platform for administrative procedures.

To create a MyGuichet personal account, you generally need a 13-digit Luxembourg national identification number (also known as a “matricule”), an email address, a connected device, and a recognized authentication method: a LuxTrust product, a Luxembourg electronic ID card, or an eIDAS-compliant method from another European country.

MyGuichet then allows you to manage certain administrative procedures, such as applications, forms, or tax returns.

Signing certain documents electronically

LuxTrust can also be used to electronically sign certain documents. The electronic signature allows you to complete procedures remotely, without having to print, sign by hand, and then return the documents by mail.

LuxTrust, eID, and eIDAS: What Are the Differences?

To access online services in Luxembourg, several authentication methods can be used depending on your situation.

Solution	Who is it for?	Main Use
LuxTrust	Residents, employees, bank customers, individuals, and professionals	Bank login, MyGuichet, signing and confirming transactions
Luxembourg eID	Individuals with a Luxembourg ID card with activated certificates	Authentication and electronic signature for certain public services
eIDAS	European citizens with a recognized electronic identification method	Access to certain European online services, including MyGuichet, depending on recognized countries

How does LuxTrust work on a day-to-day basis?

LuxTrust relies on several security measures designed to verify your identity when you log in or perform a sensitive transaction.

User ID, password, PIN, and OTP

• User ID: your personal LuxTrust identifier.
• Password: used with certain login devices.
• PIN: used primarily with certain smart card products.
• OTP: a one-time password generated to confirm a login or transaction.

This combination enhances security. Even if someone knows your User ID and password, they cannot authorize a transaction without the associated device or code.

Typical Process for Logging In with LuxTrust

1. You log in to an online service: a bank, MyGuichet, or another platform.
2. You select LuxTrust as your authentication method.
3. You enter your User ID and password, or your PIN, depending on the product you’re using.
4. You confirm the transaction using LuxTrust Mobile, LuxTrust Scan, or another compatible device.
5. The login or transaction is confirmed.

Which LuxTrust products should you choose?

The choice of product depends on your needs: administrative procedures, banking, electronic signatures, use on a smartphone, or a preference for a physical device.

LuxTrust Mobile

LuxTrust Mobile is LuxTrust’s mobile app. It lets you quickly confirm a login or transaction from your smartphone.

Here’s how it works:

1. You log in to the relevant service, such as a bank or MyGuichet.lu.
2. You select LuxTrust as your authentication method.
3. A notification is sent to your smartphone.
4. Open the LuxTrust Mobile app.
5. You verify the transaction details.
6. You confirm using your fingerprint, facial recognition, or a PIN.

Once the transaction is validated, the action is authorized. This solution is particularly convenient for people who regularly use their smartphones for everyday tasks.

To set up your digital services properly after your arrival, see our section on phone, internet, and online services in Luxembourg.

LuxTrust Scan

LuxTrust Scan is a physical device that generates security codes. It can be useful for people who prefer not to rely solely on their smartphone or who want a solution that is independent of their phone.

To use it, enter your User ID and password on the relevant service. You then generate a one-time code using the Scan device and enter it to confirm your login or transaction.

LuxTrust SmartCard

The LuxTrust SmartCard is a smart card that stores your digital identity. It is used with a card reader connected to a computer.

It can be particularly useful for certain professional purposes, administrative procedures, or electronically signing documents from a computer.

Luxembourg ID Card with eID

If you have a Luxembourg ID card, you can use the eID if the authentication and electronic signature certificates have been activated.

The eID is not a LuxTrust product. It is another form of electronic identification, useful for certain online administrative procedures.

How do I get LuxTrust in Luxembourg?

To obtain a LuxTrust identity, you can generally do so through the LuxTrust website or through your bank, depending on the product you want and your situation.

The steps may vary depending on the product you choose. In practice, you generally need to:

1. select the LuxTrust product that best suits your needs;
2. fill out the application online or with the relevant organization;
3. verify your identity according to the specified procedure;
4. receive your login credentials or your security device;
5. activate your LuxTrust product;
6. Configure it for your banking services, MyGuichet, or administrative procedures.

Using LuxTrust with MyGuichet.lu

MyGuichet.lu is the online personal portal that allows you to complete many administrative procedures in Luxembourg.

To register on MyGuichet, you must have:

• a 13-digit Luxembourg national identification number, also known as a matricule;
• an email address;
• a computer, smartphone, or tablet connected to the Internet;
• a means of authentication: a LuxTrust product, a Luxembourg electronic ID card, or a recognized eIDAS method.

If you have just arrived in Luxembourg, you will often receive your matricule number when you enroll in social security or complete your initial administrative procedures.

To understand the essential administrative steps after your arrival, consult our guide to administrative procedures in Luxembourg.

LuxTrust and Tax Procedures

LuxTrust can be useful for accessing certain online tax services or submitting documents via MyGuichet.lu.

Whether you’re a resident, employee, cross-border worker, or self-employed individual in Luxembourg, access to digital services can simplify your annual tax filing.

See our guide: Filing taxes in Luxembourg.

Beware of phishing: How to protect your LuxTrust identity?

Fraud attempts via phone, text message, or email are common. Fraudsters may impersonate LuxTrust, a bank, or a government agency to steal your login credentials or trick you into authorizing a fraudulent transaction.

Best practices for using LuxTrust

• Do not click on a link received via text message or email if you have any doubts.
• Never share your User ID, password, PIN, or OTP.
• Always check the website address before entering your login credentials.
• Never confirm a transaction that you did not initiate.
• Contact your bank if you think you may have authorized a suspicious transaction.
• If in doubt, contact LuxTrust: +352 24 550 550 or questions@luxtrust.lu.

What should you do if you have a problem with LuxTrust?

If you’ve lost your login credentials, changed phones, had your access blocked, or sent information by mistake, act quickly.

• Contact your bank if the issue involves your banking access or a transaction.
• Contact LuxTrust at +352 24 550 550 or by email at questions@luxtrust.lu.
• Do not attempt to reactivate your access using a link received via text message or email.
• Use only the official websites or the official app.

FAQ: LuxTrust in Luxembourg