Luxembourg Payment Methods & Currency Exchange Guide

Luxembourg uses the Euro (EUR) as its official currency. Most businesses in urban and tourist areas accept a range of payment methods.

• Official Currency: Euro (EUR)
• Accepted Payment Methods: Cash, major credit cards (Visa, Mastercard, American Express), and debit cards are widely accepted. Mobile payments (Apple Pay, Google Pay) are increasingly common.
• Contactless Payments: Contactless card payments and mobile wallets are prevalent in shops, restaurants, and public transport.
• ATM Availability: ATMs are widely available in cities and towns. International cards (Visa, Mastercard, Maestro) are generally accepted, but some ATMs may charge a fee (typically EUR 2–5 per withdrawal).
• Currency Exchange: Currency exchange is available at banks, airports, and dedicated exchange offices. Banks such as BGL BNP Paribas, Banque Internationale à Luxembourg, and Raiffeisen offer exchange services.
• Foreign Currency Restrictions: There are no restrictions on importing or exporting foreign currency, but amounts over EUR 10,000 (or equivalent) must be declared to customs.
• Cash Import/Export Limits: Travelers can bring in or take out up to EUR 10,000 (approx. USD 10,800) without declaration. Amounts above this must be declared at customs.
• Transaction Fees: Foreign card transactions may incur fees from your home bank and/or local ATM operators. Check with your provider for details.
• Payment Issues: Some small businesses may accept only cash. Ensure your card is enabled for international use and inform your bank of travel plans to avoid blocks.
• Regulations: Luxembourg follows EU anti-money laundering regulations. Large cash transactions may require identification.