A new resident who had just moved to Luxembourg for a position was denied a bank account at Spuerkeess despite having all necessary documents: employment contract, proof of residency from the town hall, and rental proof. Multiple commenters noted this was very unusual for a legal resident with permanent employment, suggesting persistence or trying another branch.

A commenter reported being denied a bank account by ING Luxembourg two years prior. After sending a formal complaint letter, the bank came back with apologies and a compensation offer, though the person never went back.

A resident opened an account at BNP Strassen over a year ago and reports extremely poor customer service. The bank never answers the phone, app messaging goes unanswered, and a card replacement request was canceled due to a technical issue with no notification. The person keeps a Belgian KBC account as their primary bank.

A commenter reported that with a Luxtrust token it is possible to open a bank account at BGL without ever going to the local bank office. However, another commenter noted BGL only accepts US citizens if there is a salary being deposited into the account or linked to one.

An American dual-citizen with residency was able to open a checking account at BCEE by initially not disclosing US citizenship. However, after wiring money from the US, the bank flagged the account and wanted to end the banking relationship. Another American commenter confirmed BCEE opens accounts without issues but it takes time.

A person living on the Brittany coast in France filled out a preliminary form with BIL and received a follow-up call. Commenters noted that without ties to Luxembourg, opening an account requires either €10,000 for a basic savings account or €500,000 for investment. Opinions on BIL are sharply divided.

A person asked if any Luxembourg banks allow EU/EEA non-Luxembourg residents to open accounts online. Commenters stated Luxembourg banks do not normally allow this without local residency or employment, and AML checks typically require face-to-face meetings. N26 was suggested as an alternative.

Multiple commenters consistently recommend BCEE (Spuerkeess) as the best retail bank in Luxembourg. One user had BCEE for 10+ years and went into a branch only once. Others praised unlimited free instant transfers and good online banking. The main criticism is confusing the spelling of the bank's name.

A commenter recommended N26 as a neobank option for opening a bank account quickly and entirely online without fees. Another US citizen reported successfully opening an N26 account as an American a few years ago with no problems.

An American in Luxembourg reported using Wise without any issues. Their job is able to deposit salary without problems, and they can easily transfer funds between all US accounts.

Multiple commenters on r/Luxembourg recommend Revolut as a quick, functional neobank option. One user said 'Go Revolut. No need to go anywhere, you can open accounts from your loo. Works everywhere and balances are updated instantly unlike BIL.' Another American dual citizen had issues with Revolut's app not accepting US TIN format.

A commenter recommended Post Luxembourg for opening a first bank account in the country. While not the best for ongoing banking services, it is the easiest to open and allows you to establish a banking history before moving to another bank.

A French-American dual citizen with a Luxembourg residency certificate but no job was immediately refused by Raiffeisen. Multiple commenters confirmed Raiffeisen does not accept American citizens due to intrusive US FATCA/IRS reporting laws.

A user deposited funds to open an Olky account. The company then stopped responding and the user was unable to log in. It took over 6 months of threatening legal action and physically going to the hidden office to resolve the issue. Another commenter used them for an SARL and was charged €500 for onboarding, finding it ridiculous. A third person's client uses them reliably but at high cost (€500 onboarding + €700 first payment).