This page compares 3 accounts available in Luxembourg, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 1 can be opened fully online, 1 explicitly accept non-residents, 3 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Revolut Luxembourg | Luxembourg | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.2 |
| BGL BNP Paribas | Luxembourg | Traditional Bank | 无首存要求 | 约 0–8 欧/月，视套餐 | Must visit | Conditional | ★ 3.6 |
| Spuerkeess (BCEE) | Luxembourg | Traditional Bank | 无首存要求 | 基础账户免月费 | Must visit | Conditional | ★ 3.5 |
1 of the 3 accounts on this page explicitly accept non-residents (Revolut Luxembourg). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 1 of the 3 accounts can be opened fully online (Revolut Luxembourg), with no branch visit; the remaining 2 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 3 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.