Your First Month in Luxembourg: Admin Checklist (2026)

Luxembourg's admin is efficient if you do things in the right order. One number, your matricule, unlocks everything else. Most newcomers are fully set up within 3–4 weeks.

Step 1: Register at your commune (within 8 days)

EU/EEA/Swiss citizens must declare their arrival at the commune (Biergeramt) within 8 days of moving in. Bring ID and proof of address (lease). Non-EU nationals need a residence authorisation approved before arrival, then follow the same local registration. Luxembourg City requires an appointment; smaller communes are usually walk-in. Registration is free (some communes charge ~€5).

This registration generates your matricule: the 13-digit national ID number required for banking, healthcare, employment and taxes.

Step 2: Open a bank account

You'll need a Luxembourg IBAN for salary and rent. Main retail banks: Spuerkeess, BIL, BGL BNP Paribas, Raiffeisen. Basic accounts run €3–8/month. Bring your passport, the residence certificate from the commune, and your work contract or a payslip. If you need an account before you have local paperwork, an EU fintech IBAN works as a bridge, but landlords and employers prefer a LU account.

Step 3: Health insurance (CNS)

Health coverage is compulsory and near-universal. Your employer registers you with the CNS: you don't apply yourself. Your card follows by post, and non-working spouses and children are co-insured for free. The CNS reimburses 80–100% of medical costs; you typically pay the doctor upfront and get reimbursed (or use immediate direct payment where available).

Step 4: LuxTrust and MyGuichet

LuxTrust is the national digital identity. Set it up early. Paired with MyGuichet.lu, it lets you handle taxes, address changes and most public services online, in English, French or German.

What you can skip

• Transport tickets: all public transport (bus, tram, train) is free nationwide, no ticket needed. First class and cross-border segments are the only exceptions.
• TV/radio licence: doesn't exist here.

Quick order of operations

Commune → matricule → bank account → CNS (via employer) → LuxTrust → utilities & internet → car matters (registering an imported car, exchanging a non-EU licence) within the first year.