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Open a bank account for your company in Luxembourg

Obligatory step for any creation of SARL or SA: the professional bank account receives the blocked capital deposit before signing the statutes. Average time: 1 to 8 weeks depending on the profile. Fidustra prepares your file and puts you in contact with its partner banks.

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In short: In Luxembourg, opening a professional bank account for a SARL or SA is obligatory before signing the statutes with the notary. The bank receives the share capital (minimum 12 000 € for an SARL) on a blocked account and issues a certificate given to the notary. Le délai varie de 1 to 4 weeks for a resident and 4 to 8 weeks for a non-resident. Banks practice rigorous KYC: complete file essential.

Why is the bank account mandatory before creation

For legal forms with minimum capital (SARL: €12,000, SA: €31,000), Luxembourg law requires that funds be deposited in a blocked bank account before the notarial act of incorporation. The bank issues a certificate of blocking of funds which the notary includes in the deed of creation. It is only after registration in the Trade Register (RCS) that the account is released and the funds made available.

For structures without compulsory capital (SARL-S from €1, SCS, SNC, ASBL), the opening of the account can take place after incorporation, but remains necessary for current banking activity.

Luxembourg resident

Délai : 1 à 4 semaines

Smoother procedure. The KYC file remains demanding but the bank can rely on local supporting documents. Fidustra makes it easy to get in touch.

Non-resident (France, Belgium, etc.)

Delivery time: 4 to 8 weeks

Banks apply enhanced KYC on non-residents. An incomplete file leads to refusals and delays. Fidustra prepares the banking file in advance to avoid blockages.

Holding or Soparfi

Delivery time: 4 to 10 weeks

The asset structure often requires an in-depth review of the origin of funds and the shareholder structure. Fidustra coordinates the creation of the file with its banking network.

What documents must be prepared to open the account

Luxembourg banks apply strict KYC (Know Your Customer) rules, reinforced since the European anti-money laundering directives (AMLD). Here are the documents generally requested:

  • Identity document (passport or identity card) of each partner and manager
  • Recent proof of address (< 3 months) for each partner
  • Draft statutes or signed statutes of the company
  • Detailed description of the planned activity
  • Activity forecast over 2 years (turnover, expected flows)
  • Origin of funds contributed as capital (statements, deeds of transfer, inheritance, etc.)
  • Address of the company's registered office (certificate of domiciliation)
  • CV or professional background of the manager(s)

Fidustra prepares this complete banking file and submits it to the partner bank adapted to your activity profile and your residence situation.

Fidustra prepares your banking file

Preparing the banking file is often the longest and most technical part of creating a company in Luxembourg. Fidustra anticipates questions from banking establishments, pre-selects the bank suited to your profile and sends a complete file to reduce back and forth.

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Frequently asked questions — Luxembourg company bank account

The essential answers before starting the banking process.

The deadline varies between 1 and 4 weeks for a Luxembourg resident, and between 4 and 8 weeks for a non-resident. A complete file and the introduction via a partner like Fidustra make it possible to reduce this time significantly.

Yes, for an SARL and an SA. The share capital (€12,000 minimum for an SARL, €31,000 for an SA) must be deposited in a blocked account before signing the statutes with the notary. The bank issues a blocking certificate essential to the act of incorporation.

Yes, but with enhanced KYC requirements. Luxembourg banks accept non-residents (France, Belgium, Germany, etc.) but very carefully analyze the origin of the funds, the planned activity and the profile of the manager. Fidustra facilitates contact with its partner banks accustomed to these profiles.

Several establishments offer professional accounts in Luxembourg: BGL BNP Paribas, ING Luxembourg, Spuerkeess (BCEE), Raiffeisen, Société Générale Luxembourg. The choice depends on your activity, your residence profile and your needs (credit, international services, wealth management). Fidustra directs you towards the bank best suited to your file.

Some establishments offer partially digital procedures, but the majority of Luxembourg banks require an appointment in a branch or a videoconference to validate the identity and the KYC file. Fidustra anticipates these constraints and prepares the meeting with the partner bank.

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Fidustra prepares your banking file

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