FAQs

The ATMs currently in service are gradually reaching the end of their technological lifecycle. The new BANCOMAT network will provide more modern, secure, accessible and future-ready machines designed to meet customers’ evolving needs.

A shared ATM is a machine that can be used by customers of all banks participating in the BANCOMAT network. In the long term, it will provide access to the same services currently available through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).

Once the BANCOMAT network has been fully deployed, our customers will benefit from access to an extensive nationwide ATM network and will progressively regain access to all services currently offered through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).

No. On the contrary, the BANCOMAT project is designed to safeguard and ensure long-term access to cash throughout Luxembourg.

The rollout of the BANCOMAT network depends on a number of technical and logistical factors. The deployment schedule is regularly updated by the BANCOMAT. More information on www.BANCOMAT.lu.Throughout the transition period, until summer 2027, S-Bank and BANCOMAT ATMs will coexist to ensure continuity of service.

We will keep our customers informed at every major stage of the project through our usual communication channels.

The pooling of ATMs under the BANCOMAT brand aims to optimise nationwide ATM coverage. Some existing locations will be retained, while others may change. An up-to-date list of BANCOMAT ATMs is available at www.BANCOMAT.lu.

Throughout the transition period, you will be able to use S-Bank ATMs that remain in service, as well as BANCOMAT ATMs that are already operational. During the first phase of the project, BANCOMAT ATMs will offer cash withdrawal services only.

From summer 2026 onwards, the first BANCOMAT ATMs will be put into service with cash withdrawal functionality. Additional features will then be introduced progressively. From phase 2, scheduled for the end of 2026 / beginning of 2027, the services currently available through the S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.) will gradually become available on the BANCOMAT network.

An interactive map of BANCOMAT ATMs is available at www.BANCOMAT.lu. It is updated regularly as the network rollout progresses.

Locations are selected by BANCOMAT to ensure optimal coverage throughout the country. The objective of the project is to enable at least 95% of the population to reach an ATM within a five-minute drive.

During the initial phase, starting in summer 2026, BANCOMAT ATMs will provide cash withdrawal services only. From phase 2, scheduled for the end of 2026 / beginning of 2027, all functionalities currently available on the S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.) will be progressively rolled out on the BANCOMAT network.

During the first phase, balance enquiries will not yet be available on BANCOMAT ATMs. You will be able to check your account balance via S-Net or at S-Bank ATMs that remain in service. This functionality will become available on the BANCOMAT network from phase 2, at the end of 2026 / beginning of 2027.

Yes. This functionality will be available on the BANCOMAT network progressively from Phase 2 of the project, scheduled for the end of 2026 / beginning of 2027. In the meantime, this feature remains available at certain S-Bank network ATMs that have not yet been replaced.

Yes. Once the rollout has been completed, all BANCOMAT ATMs will offer the same functionalities.

Cash withdrawals made with a debit card will remain subject to the same pricing conditions currently applicable on the S-Bank network. For credit cards, the direct debit functionality will only be available from Phase 2 of the rollout, scheduled for the end of 2026 / beginning of 2027. However, this feature remains available at certain S-Bank network ATMs that have not yet been replaced. To support our customers, Spuerkeess will cover the fees associated with deferred debit transactions on the BANCOMAT network until the direct debit cash withdrawal functionality with a credit card becomes available in the second phase.

No. The pricing conditions currently applicable to the S-Bank network will also apply to the BANCOMAT network. As the direct debit cash withdrawal functionality with a credit card on the BANCOMAT network will only become available in Phase 2 of the rollout, at the end of 2026 / beginning of 2027, Spuerkeess will cover the fees associated with these transactions until this functionality is introduced in the second phase. Any future changes would be communicated in advance in accordance with applicable legal requirements.

Yes. Transactions carried out by our customers on the BANCOMAT network will benefit from the same pricing conditions as those applicable on the S-Bank network.

Yes. Certain conditions may vary depending on the type of card, account or banking package you hold. For more details, please refer to the “Main banking fees – retail customers” document.

Yes, provided that the institution that issued their card allows access to the network. The pricing conditions of their own bank will continue to apply.

The current fees and charges are available in the “Main banking fees – retail customers” document on www.spuerkeess.lu.

Yes. Your current cards will remain fully compatible with BANCOMAT ATMs. The range of available services will expand progressively as the network rollout advances.

Yes. Your PIN code will remain unchanged. If you have forgotten it, you can view it via S-Net.

The user interface will be modernised while maintaining a simple, intuitive experience that remains familiar to customers.

Yes. BANCOMAT ATMs will offer the following languages: Luxembourgish, French, German, English and Portuguese.

Yes, subject to the agreements in place with the issuer of the card concerned.

BANCOMAT ATMs will be easy to identify thanks to their distinctive visual identity and the BANCOMAT logo. During the transition phase, the logos of participating banks will also remain visible.

Yes. They incorporate the latest technologies in terms of security, data protection and fraud prevention.

No. Other partner banks do not have access to your personal data. Transactions are processed in accordance with applicable data protection regulations.

The data strictly necessary to execute the transaction is processed securely and in compliance with applicable legal and regulatory requirements.

The bank that issued your card remains your primary point of contact for any questions or incidents related to the use of a BANCOMAT ATM.

Please contact your bank as soon as possible so that it can assist you with the necessary steps.

Contact your bank. An investigation will be carried out and, where appropriate, the transaction will be adjusted in accordance with the applicable procedures.

Yes. Your bank remains your sole point of contact for any request, complaint or assistance.

No. The BANCOMAT project is independent of the branch network strategy of the participating banks. Its sole objective is to improve access to self-service banking facilities.

The services currently available in branches will remain unchanged. In the long term, certain transactions will be easier to carry out at BANCOMAT ATMs, helping to reduce waiting times in branches.

Yes. All BANCOMAT ATMs can be used by customers of participating banks, regardless of where they are located.

The project represents a significant investment for the participating banks. Its objective is to provide customers with a modern, secure, accessible and sustainable network, while improving nationwide coverage.

On the contrary, the objective of the project is to improve access to cash through a national network of more than 200 BANCOMAT ATMs, providing optimised geographic coverage across the country.

The choice of locations is based on several criteria, including geographic coverage, accessibility, security, usage levels, technical constraints and the feasibility of installing an ATM at the site concerned.