Expat Services

If you apply within 3 months of arrival, you can benefit from the welcome package.

Yes, you can open your account before arriving in Luxembourg. Please note that after validation of your customer file, your account will remain semi-operational until you visit a branch in person and sign the final paperwork.

Yes, you can open your account at Spuerkeess prior to arrival, without presenting a certificate of residence. Please note, however, that all expats must provide proof of residence when completing the final paperwork at the branch. For Non-EU residents, this proof of residence is called a “récépissé”. You can obtain the récépissé at your local commune once you have arrived in Luxembourg.

•  Standard Offer: Free for 6 months, then standard pricing.
• Relocation Office & Corporate Packages: Free for 6 months, then 50% off.
• Corporate Partners: Free for 6 months, then 50% off.

Expats from Malta, Dubai, or similar jurisdictions must answer four questions on nationality/residence acquisition.

Only EU nationals (with the exception of residents from Portugal, Ireland, Denmark and Greece) can complete the standard online onboarding. Please note that some additional documents may still be required when signing the final paperwork at the branch. Non-EU nationals and expats coming via a relocation office, please contact the Expat Service at expat@spuerkeess.lu.

All expats are welcome at Spuerkeess and benefit from our six-month Zebra Premium welcome offer, free of charge. Expats relocating through a relocation office or employed by one of our corporate partners may choose between the standard welcome offer or the dedicated corporate package. If you’re unsure which option applies to you, simply contact the Expat Service team at expat@spuerkeess.lu for guidance.

Yes, if your account application is validated and the rental contract is signed. The original guarantee is issued after branch visit; a specimen copy is available beforehand.

Expats benefit from dedicated onboarding before arrival, tailored rental guarantee assistance (including en blanc for first homes), and expat-friendly products such as the Luxair VISA Miles & More card and transparent e-car leasing solutions.

With state-backed stability, Luxembourg’s largest branch network, over 165 years of banking expertise, multilingual support, excellent ratings, leadership in housing loans, the country’s best banking app, and dedicated Expat Services - Spuerkeess is your trusted partner for every step of your journey.

We collaborate with trusted relocation partners, including Luxrelo, MMC, ERS, Dwellworks, and Anywr.

We work with a wide range of corporate partners. If you are unsure whether your employer has a partnership with us, please check directly with your HR department to confirm.