We guide Luxembourg corporate entities—including Sàrl, SA, and SOPARFI structures—through institutional compliance to secure commercial bank accounts and regulated digital alternatives.
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Luxembourg is Europe's premier private banking and investment hub, but opening a standard commercial operational account has become increasingly stringent under Commission de Surveillance du Secteur Financier (CSSF) AML/CFT rules. We act as your specialized intermediary to bridge the compliance gap.
We audit your trade register extract (RCS), ultimate beneficial owner (RBE) registration, articles of association, and proof of substance to match the risk appetite of target financial institutions.
Our compliance specialists prescreen the director's country of residence against the bank's country risk matrices to eliminate upfront rejection risks.
We prepare, manage, and submit applications on behalf of clients where permitted. Where providers legally require personal onboarding, we guide the director step-by-step through identity verification.
| Provider | Non-resident accepted? | Remote onboarding? | Local address/company requirements | Typical timeline |
|---|---|---|---|---|
| Spuerkeess (BCEE) | Conditional (requires confirmation with provider based on substance) | No (in-person visit or certified diplomatic notary typically required) | Luxembourg registered entity (RCS) and local economic nexus required | 4–8 weeks |
| BGL BNP Paribas | Conditional (assessed on group structure and director residency) | No (typically requires branch appointment for legal representative) | Luxembourg registered entity with local substance or operational presence | 4–10 weeks |
| Banque Internationale à Luxembourg (BIL) | Conditional (open to international holding/SOPARFI structures) | Conditional (power of attorney accepted under strict compliance) | Luxembourg entity with verified RBE listing and tax identification | 4–12 weeks |
| OlkyPay (Luxembourg / France) | Yes (EU/EEA residents; non-EEA subject to individual compliance review) | Yes (fully digital electronic onboarding) | Luxembourg registered company (Sàrl, SA, etc.) or EU corporate body | 5–10 business days |
| 3S Money | Yes (select international jurisdictions supported) | Yes (fully remote onboarding via compliance interview) | Luxembourg entity accepted; local commercial office not strictly mandatory | 2–4 weeks |
| Wise Business | Yes (subject to country of director residence) | Yes (complete online verification) | Luxembourg registered address and valid Trade Register (RCS) extract | 3–7 business days |
| Revolut Business | Yes (if director resides in EEA/supported territories) | Yes (mobile/web remote identity verification) | Luxembourg registered entity with verifiable registered office | 1–2 weeks |
Founders with an active Luxembourg Sàrl, Sàrl-S, or SA seeking domestic or SEPA-wide settlement capabilities
International corporate groups establishing a Luxembourg SOPARFI (holding company) or intellectual property structure
Non-resident directors seeking guidance on navigating CSSF anti-money laundering requirements and bank risk filters
Cross-border consulting, trade, and software businesses requiring EUR, USD, and GBP multi-currency treasury accounts
Companies rejected by local retail branches due to lacking physical commercial offices or complex ownership structures
Individuals seeking personal retail current accounts without an associated corporate entity
Unregulated gambling, adult entertainment, unregulated forex, or high-risk crypto platforms without legal licensing
Founders seeking guaranteed approval (all credit institutions and EMIs retain sovereign underwriting discretion)
Businesses unable to declare and document their ultimate beneficial owners (UBO) on the Luxembourg RBE register
Companies seeking anonymous banking or bearer-share structures
Securing a corporate bank account requires an active registration number from the Luxembourg Trade and Companies Register (Registre de Commerce et des Sociétés - RCS) and registration on the Register of Beneficial Owners (RBE). If you have not yet formed your Sàrl, simplified Sàrl-S, or SA, our legal partners manage the full incorporation process including notarial deed drafting, capital deposit procedures, and registered office domiciliation.
We evaluate your company's incorporation status in Luxembourg, identify the director's country of residence, and assess your business sector against our partner banks' current risk policies.
We assemble a tailored compliance dossier containing your RCS extract, UBO documentation, proof of source of funds, counterparty invoices, and a tailored business activity summary.
We submit your application to financial institutions aligned with your operational model. Where intermediary submissions are permitted, we manage all communications. If direct personal verification is legally mandated, we supervise your direct onboarding.
The financial institution conducts its final underwriting and issues your Luxembourg or SEPA IBAN. You deposit your operational funds and integrate your commercial billing systems.
A foreign entrepreneur can legitimately own and direct a Luxembourg entity without living in the country. However, Luxembourg banks differentiate strictly between the company's place of incorporation (Luxembourg) and the tax residency of its managing directors and ultimate beneficial owners. When a director lives abroad, Luxembourg institutions trigger Enhanced Due Diligence (EDD) under national law and CSSF circulars. Banks must verify why a non-resident chose Luxembourg as their operational base. Demonstrating commercial nexus—such as local clients, European suppliers, regional investment assets, or local administration—is critical to securing approval. We help international directors articulate this economic rationale effectively.
Supporting founders from over 50+ countries.
A French software developer incorporates a Luxembourg Sàrl while residing in Metz. Because cross-border economic ties in the Greater Region (Grande Région) are routine, Spuerkeess and BIL readily evaluate the account, while digital business platforms activate within 48 hours.
A US-based investment advisor incorporates a Luxembourg SOPARFI to pool European real estate acquisitions. Traditional private banking desks require extensive source-of-wealth auditing and in-person director identification, whereas a corporate EMI provides immediate multi-currency facilities for setup costs.
An enterprise logistics firm in Dubai registers a subsidiary Sàrl in Luxembourg to manage intra-European contracts. We position their corporate group structure to clear bank compliance, directing them toward institutional providers accustomed to Gulf holding vehicles.
A Singaporean e-commerce operator sets up a European distribution hub in Luxembourg. We match their entity with cross-border fintech accounts supporting EUR-SGD currency exchange, avoiding lengthy retail branch visits.
Everything you need to know about opening a corporate business bank account in Luxembourg.
