✅ Updated for 2026. Note: ING has closed its Luxembourg retail operations — the main retail banks for new arrivals are now Spuerkeess, BIL, BGL BNP Paribas and Raiffeisen. Basic current accounts cost roughly €3–8/month. To open one, bring your passport/ID, a residence certificate from your commune, and an employment contract or recent payslip. BIL …