Luxembourg is a small but rich country in Europe that is famous for its beautiful castles, role as a financial hub, and welcoming nature. It is usually not a problem to get cash when you are discovering the historic old town of Luxembourg City, hiking in the Ardennes, or going to world-class museums. Anywhere that takes cards is fine, but having cash on hand can be helpful for little things. Withdrawal costs, transaction limits, exchange rates, and card acceptance are just some of the things that this guide covers about cash and ATMs in Luxembourg.
Where to find ATMs in Luxembourg?
Urban Areas: Cities such as Luxembourg City, Esch-sur-Alzette, and Differdange have a dense network of ATMs, particularly in city centers, shopping districts, and near bank branches. Major banks like BGL BNP Paribas, Banque et Caisse d’Épargne de l’État (BCEE), and Raiffeisen Bank operate extensive ATM networks. For instance, BGL BNP Paribas provides a branch locator on their website.
Tourist Spots: Popular attractions such as the Grand Ducal Palace, Casemates du Bock, and the National Museum of History and Art have ATMs in their vicinity, often within walking distance.
Rural Areas: While Luxembourg is relatively small, some rural areas may have fewer ATMs.
Best ATMs in Luxembourg for foreigners
The best ATMs for foreigners to use in Luxembourg are those owned by popular banks such as:
- Raiffeisenbank
- BIL
- BNP Paribas
- ING
- POST bank
There are other banks with ATMs that also accept international debit and credit cards.
There are no known Global ATM Alliance member banks or All Points network banks in Luxembourg.
Don’t accept conversion at ATMs and withdraw only in local currency
There are some ATMs in Luxembourg that may ask if you want to accept or decline the conversion. This is also known as “With or Without Conversion” or “Charge in EUR.”
- If you press “Accept,” the ATM will change your money at the rate that it sets. If you choose “Decline,” the ATM will use the standard exchange rate for that bank or card (Visa, Master, etc.).
- If you click “Accept,” you will also have to pay the ATM an extra 1% fee to change the money.
Choose ‘Decline/Without’ Conversion or ‘Charge in EUR’ to avoid extra fees.
Can I use a foreign debit or credit card at an ATM in Luxembourg?
There are a lot of ATMs in Luxembourg that take debit and credit cards from other countries.
ATMs commonly accept Visa, Mastercard, Maestro, Plus, Cirrus cards. Others like Amex, JCB, UnionPay, Diners, Discover and Rupay cards are generally not accepted.
ATM operating hours
ATMs in Luxembourg are generally available 24/7.
Look for the words ‘ATM’ or ‘Distributeur’ to find an ATM.
Language options at ATMs
ATMs typically present Luxembourgish, French, German and English as the primary languages, reflecting the country’s official languages. You can use live translation via Google Translate’s camera function if you don’t understand these languages to get a basic translation of ATM’s screen.
What currencies can I withdraw from ATMs in Luxembourg?
ATMs dispense cash in Euros (EUR), though some, like those from Spuerkeess, also offer options for US Dollars (USD), British Pounds (GBP), and Swiss Francs (CHF).
ATM withdrawal limits in Luxembourg
ATMs in Luxembourg have a maximum withdrawal limit per transaction of € 200 to € 2,500, with different ATMs offering different limits such as € 1,000, € 1,250, €2,500. Couple of ATMs allow withdrawal up to € 5,000 per transaction. ATMs typically do not have daily withdrawal limits so you can use the ATM multiple times if you need to withdraw more cash.
ATM Fees in Luxembourg
Bank ATMs in Luxembourg typically do not charge any ATM fees so there are many fee-free ATMs you can use in Luxembourg as a foreign cardholder!
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Luxembourg. These are:
1. The ATM’s Currency Conversion Fees (Accept or Decline Conversion)
2. Your Bank’s forex mark up charges for using the card abroad.
Ways to find fee-free ATMs
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Luxembourg. Moreover, its simple fee calculator helps you figure out exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Luxembourg.
Safety at ATMs
Luxembourg is known for its low crime rate, making it a safe destination for travelers. ATMs are widely available throughout the country, and incidents involving ATM-related crimes are rare. Nonetheless, it’s prudent to use ATMs in well-lit, populated areas and remain aware of your surroundings. As a precaution, watch your bank statements for any unauthorized transactions. Also avoid using public Wi-Fi for banking, keep your card in sight during transactions, and carry a backup card.
FAQs
What to do if an ATM takes your card?
ATMs usually do not take your card in fully, but if they do and you’re at an ATM of a bank branch, reach out to the staff to help remove your card. Otherwise, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs in Luxembourg?
Yes, there are many fee-free ATMs you can use as a foreign cardholder as bank ATMs in Luxembourg typically do not charge any ATM fees!
Foreign cards from US, UK, India, China, Europe, Australia accepted?
Absolutely yes! You can usually use cards from the US, UK, Europe, Australia, and other countries at ATMs in Luxembourg.
Bitcoin ATMs
Currently, there are no Bitcoin ATMs in Luxembourg. Coinhub has announced plans to expand their Bitcoin ATM network to Luxembourg at some point.
Foreign bank ATMs’ presence in Luxembourg
Bank of America: No, there are no Bank of America ATMs in this country.
Citibank: No, Citibank does not operate ATMs here.
Barclays: Yes, Barclays operates ATMs in Luxembourg.
HSBC: Yes, HSBC has a presence here but only for HNI customers. They don’t have ATMs here.
Standard Chartered: No, Standard Chartered does not have ATMs here.
