Àwọn ààyè-iṣẹ́

Luxembourg

Luxembourg ni o tobi ju euro agbegbe's investment fund domicile ati kan hub fun ara ẹni banki, cross-border e-owo ati ifowopamọ ile-iṣẹ. ọpọlọpọ awọn orilẹ-ede ti lo a Luxembourg iwe-aṣẹ bi wọn EU passporting base, supervised by the CSSF pẹlu the ECB fun awọn banki.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes5

Awọn owo-ìwọ̀nÌwọ̀n

Àwọn ìṣàmúlò-ètòAAA

Awọn idibo to n bọtòjú 2028

Luxembourg kò wa ni àwọn FATF àwọn àtòjọ alawọ ewe tàbí àwọn àtòjọ dudu (plenary of 19 June 2026); gẹgẹbi orilẹ-ede ọmọ ẹgbẹ EU o wa ni ita agbegbe ti atokọ orilẹ-ede kẹta ti o ga julọ ti EU (Delegated Reg. 2016/1675, consolidated 29 January 2026) ati awọn EU owo-ori akojọ (Annex I, imudojuiwọn 17 February 2026). O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Parliamentary constitutional monarchy (grand duchy)
Grand Duke: Guillaume · nípà Oṣù Kejìlá 2025
Prime Minister: Luc Frieden (Christian Social People's Party (CSV)
Àwọn ààyè-iṣẹ́: Christian Social People's Party (CSV), Democratic Party (DP)
Awọn idibo to kẹhin: Igbàyéjọbá, 8 Oṣù Kejìlá 2023
Awọn idibo to n bọ: Ìgbàyélú àwọn agbẹjọro, tí a fi 2028 ṣé
Àwọn Ìṣàmúlò-ètò: Àwọn Agbègbè Ìjọba (60 seats, unicameral)
Siséèsì Ìjọba: Awọn ofin sibẹsibẹ

Economics and finance

Awọn eniyan: 687k (2025)
Ìjánu-ìsún: USD 101.1bn (2025)
GDP fun ẹni kọọkan: USD 148,247 (2025)
Awọn owo-ìwọ̀n: Euro (EUR), euro (tí a bà kọ̀ǹpútà lọ, tí a fọwọ́sì láti inú ECB bí àwọn ààyè-iṣẹ́ Eurosystem)
Central Bank of Nigeria: Central Bank of Luxembourg (part of the Eurosystem)
Àwọn ìṣàmúlò-ètò: S&P AAA (iduroṣinṣin) · Moody's Aaa (iduroṣinṣin) · Fitch AAA (iduroṣinṣin) (bi ti February 2026)

Ipinle kan ti o ni eto-ifowopamọ pẹlu ile-iṣẹ owo idoko-owo ti o tobi julọ ni Yuroopu, agbegbe banki kariaye nla kan ati iṣẹ ti n dagbasoke ninu inawo laarin awọn orilẹ-ede, ti a ṣakoso nipasẹ CSSF.

Àwọn Irinṣẹ́

Àwọn Ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juUSD 9.7m

AgbègbèCSSF ṣàfihàn àwọn oṣu 12 tí wọ́n fẹ́ fún àwọn ìṣẹ̀dà líàsì; CRD àkọlé. 15 ṣàfihàn àwọn oṣu 6 láti inú fáìlì tó kù

Awọn Iṣẹ́ECB nípa àṣẹ ti CSSF

EUR 8.7 milionu ti a fiweranṣẹ ati pe o ni owo-ori ti a san (LFS art. 8), lori ilẹ EU ti EUR 5 milionu

Àwọn Ìṣẹ́: Law of 5 April 1993 on the financial sector, arts. 2 and 8 (capital base); Regulation (EU) No 1024/2013 (SSM) art. 14
Àwọn Irinṣẹ́: CSSF awọn owo-ori ti a ṣe ni ibamu pẹlu Iṣẹ-ẹjọ Grand-ducal ọjọ́ 23 Oṣù Kejìlá ọdun 2022; iye kò sọ ni paṣipaarọ ojula
Ìfihàn: Ya: EU passport under CRD (Arts. 33 to 39) for branches and cross-border services

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ijọba apapọ ati ile-iṣẹ ti a fọwọsi ni Luxembourg (Circular CSSF 12/552 lori ijọba apapọ, iṣakoso ati iṣakoso ibajẹ)
Ìṣàfihàn tí a fi pamọ́ láti inú ECB IMAS poròtàlì lórí àwọn àgbèkalẹ̀ ìforúkọsílẹ̀ pẹlú CSSF ile-iṣẹ́ banki
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara

Sources(4)

CSSF: Law of 5 April 1993 on the financial sector (consolidated English text) · checked 2026-10-07
CSSF: Legal requirements and authorisation procedures for credit institutions · checked 2026-10-07
ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn ààyè-iṣẹ́ owo-ẹ̀yàn (EMI)

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèIṣẹ̀dá ninú oṣù 3 ti iforukọsilẹ̀ to kù ati ni gbogbo igba ninú oṣù 12, bi ko ba ṣe bẹ̀ẹ̀ ni a yoo gbagbọ́ pe o ti dáwọ́ (akọsilẹ̀ 24-3)

Awọn Iṣẹ́CSSF

EUR 350,000 capital initial (art. 24-11); ongoing own funds of at least 2% of average outstanding e-money (EMD2 art. 5)

Àwọn Ìṣẹ́: Law of 10 November 2009 on payment services, arts. 24-2 to 24-14 (art. 24-11 initial capital)
Ìfihàn: Ya: EU passport ààyè-iṣẹ́ lórí EMD2/PSD2 nínú ìjọba, awáròyìn, oníjádè tàbí ìṣẹ̀dá iṣẹ́ ọ̀fẹ́

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ọ̀rọ̀ ilé-ẹ̀yàn tí Luxembourg jẹ́ gẹgẹbi àwọn ẹ̀yàn orilẹ-ede, ajọṣepọ̀ ìdajọ́ atí ile-iṣẹ́ tí a fi pamọ́ ni Luxembourg (àkọsilẹ̀ 24-7)
Àwọn ààyè-iṣẹ́ àti àwọn ìṣàmúlò-ètò iṣẹ́ atí àwọn díàrẹ̀sì iwọlé owo
Igbagbọ ninu awọn owo-ori ti a gba fun e-owo (awọn ofin 24-10)
Ìgbàdálẹ̀ nínú Agbègbè CSSF 26/906 lori igbimọ aṣofin, iṣakoso inu ati iṣakoso awọn eewu

Sources(3)

CSSF: Law of 10 November 2009 on payment services (consolidated English text) · checked 2026-10-07
CSSF: Authorisation procedure of a PI or EMI or registration of an AISP · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Àwọn ìṣàmúlò-ètò àìfihàn

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèIṣẹ̀dá ninú oṣù 3 ti iforukọsilẹ́ kan ti pari ati ni gbogbo igba ninú oṣù 12, bi ko ba ṣe bẹ̀ẹ̀ ni a yoo gbagbọ́ pe o ti dáwọ́ (akọsilẹ̀ 7)

Awọn Iṣẹ́CSSF

EUR 125,000 fun awọn iṣẹ isanwo 1 si 5; EUR 50,000 fun iforukọsilẹ isanwo nikan; EUR 20,000 fun gbigbe owo nikan (ẹya 15)

Àwọn Ìṣẹ́: Law of 10 November 2009 on payment services, art. 7 (authorisation procedure) and art. 15 (initial capital)
Ìfihàn: Ya: EU passport under PSD2 Art. 28 (branch, agent or free provision of services)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìjọba ààyè-iṣẹ́ àti ile-ẹ̀kọ̀ọ̀nù tí a fi pamọ́ ní Luxembourg
Awọn iṣẹ-ṣiṣe ati awọn eto iṣowo fun ọdun mẹta akọkọ ti owo
Igbagbọ ninu awọn owo-ori alabara ati iṣakoso inu ti o lagbara (Circular CSSF 26/906)
Ìfihàn àtòjọ-ẹ̀yàn ìṣàmúlò-ètò àwọn alábòójútó kọ̀ǹpútà lórí ìgbàyélú ìṣẹ̀dà

Sources(3)

CSSF: Law of 10 November 2009 on payment services (consolidated English text) · checked 2026-10-07
CSSF: Authorisation procedure of a PI or EMI or registration of an AISP · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Ààyè-iṣẹ́ ìgbàdálẹ̀ àwọn àyọkà ìṣàfihàn (CASP) láti inú MiCA

Awọn ohun-ini ti o kere juUSD 56k

AgbègbèMiCA Àkọlé àwòrán 63: àwọn ọjọ́ iṣẹ́ 25 láti ṣàyẹwo ìparí iṣẹ́, kí àwọn ọjọ́ iṣẹ́ 40 láti yá àwọn ìṣàmúlò-ètò tí a fi kọ́ nípa (aago lè gba padà sípò fún àwọn ibeeré ìròyìn)

Awọn Iṣẹ́CSSF

MiCA Art. 67 ati Annex IV: EUR 50,000 (klasọ 1: igbimọ-iṣe, fipamọ, awọn iṣẹ gbigbe, gbigba ati ifijiṣẹ, imọran, iṣakoso porfolio), EUR 125,000 (klasọ 2: ṣafikun aabo ati iṣakoso, ati paṣipaarọ fun awọn owo-ori tabi awọn crypto-assets miiran), EUR 150,000 (klasọ 3: ṣafikun ṣiṣẹda oju opo wẹẹbu iṣowo); tabi idaji kan ti ọdun to kẹhin ti a ṣe deede ti o ba ga julọ

Àwọn Ìṣẹ́: Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Luxembourg law designating the CSSF as competent authority
Ìfihàn: Ya: MiCA ìgbàjójútó lè jẹ́ àgbèkalẹ̀ nínú EU/EEA láti inú ìṣàfihàn (MiCA Àwọn Ìwé-ẹ̀yàn. 65)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ofiisi ti a fọwọsi nile-ẹ̀yàn, ibi ti o kere ju àwọn iṣẹ́ kan wa nibẹ̀, ibi ti o dara ju fun idari nile-ẹ̀yàn ati pe o kere ju oludasile kan wa nile-ẹ̀yàn (MiCA Akọsilẹ 59(2))
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Igbàdálẹ̀ atí ifaramọ́ tí a bá fi pamọ́ nípa àwọn ẹ̀yàn àtí owó, ìṣàfilọ́lẹ̀ àjọṣepọ̀, ààyè-ìṣẹ́
AML/CFT framework ati ifaramọ si Iyipada ti Awọn owo-ori (EU) 2023/1113 irin ajo ofin
Ìrọ̀gbèsì ìṣàfarawé kọ̀ǹpútà láti inú CSSF nígbà tí a fi pamọ́ lọ́wọ́lọ́wọ́; àwọn ààyè-iṣẹ́ àìfihàn àti àwọn àká-ẹ̀yàn àti àwọn ààyè-iṣẹ́

Sources(4)

CSSF: Legal requirements and authorisation procedure for CASPs · checked 2026-10-07
CSSF: MiCA transition period for virtual asset service providers ended on 1 July 2026 · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07

Firma idoko-owo

Àwọn ààyè-iṣẹ́ ìṣàfarawé-ẹ̀yàn (MiFID II)

Awọn ohun-ini ti o kere juUSD 84k

AgbègbèIṣẹ́dà nínú oṣú 6 tí a fi gbá iṣẹ́ rẹ̀ lọ́wọ́lọ́wọ́; ọjọ́ ipari nínú oṣú 12, ìfẹ́ jẹ́ ẹ̀yàn.

Awọn Iṣẹ́CSSF

CSSF: EUR 75,000 fun awọn ile-iṣẹ ti ko ni owo alabara tabi awọn ohun-ini gidi ati EUR 150,000 fun awọn ile-iṣẹ ti o ni wọn; IFD nkan. 9 fi EUR 750,000 silẹ fun ibaraẹnisọrọ lori akọọlẹ rẹ tabi ifowosowopo ile-iṣẹ

Àwọn Ìṣẹ́: Law of 5 April 1993 on the financial sector, arts. 13 to 24-9; Regulation (EU) 2019/2033 (IFR)
Ìfihàn: Ya: MiFID II paṣipaarọ (Arts. 34 ati 35) fun iṣẹ́ àti àwọn ẹ̀yàn

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìdákọ́ àti ìpàpọ̀ tí a fi pamọ́ nínú ìṣẹ̀dá
Awọn owo-ori ara ẹni ti n lọ lọwọ ati awọn ohun-ini ti o wa labẹ IFR
Ìjọba ààyè-iṣẹ́ nínú Luxembourgù àti ìṣàfarawé-ìṣẹ́
Ìgbà ìṣàfihàn àti CSSF nínú ìpamọ́

Sources(3)

CSSF: Legal requirements and authorisation procedure for investment firms · checked 2026-10-07
CSSF: Law of 5 April 1993 on the financial sector (consolidated English text) · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Commission de Surveillance du Secteur Financier (CSSF) · websiteBanks, E-money institutions, Payment service providers, Investment firms, Virtual asset service providers (VASPs), Funds
Bankí Ààyè-iṣẹ́ Europe (Mekanismò Iṣẹ́ Aṣàfilọ́lẹ̀) (ECB) · wé-ìwé-ìtànIle-ifowopamọ
Minisitọ́rì Ìjọbá (awọn ẹ̀yàn ilé-ẹ̀kọ́ nínú Ẹ̀yàn ọjọ́ 20 Oṣù Kejìlá, ọdun 1977) (MJ) · wé-ìwé-iṣẹ́Ile-ìṣere onínọmbà

MiCA: Luxembourg ti fi akoko ayipada oṣu 18 lo fun awọn olupese iṣẹ ohun-ini oni-nọmba to wa lọwọlọwọ, eyiti o pari ni Oṣu Kẹjọ Ọjọ 1, Ọdun 2026; lati igba naa awọn iṣẹ crypto nilo MiCA Awọn ere ori ayelujara: ko si ofin ti o ni iwe-aṣẹ fun awọn ere ori ayelujara tabi awọn ere itaja. Iṣẹ-ẹjọ 20th April 1977 ṣe idiwọ iṣẹ awọn ere idaraya ti o ṣeeṣe, ayafi fun awọn casinos ti a fọwọsi, ati pe awọn ere idaraya nilo iwe-aṣẹ ti o kẹhin ti Alakoso Ipinle; ẹjọ 2026 lati ṣe ayipada ofin 1977 ti fipamọ ṣugbọn akoonu rẹ ko ti ṣayẹwo nibi. Luxembourg jẹ tun ile-iṣẹ akọkọ fun awọn owo-iworo idoko-owo (UCITS ati AIFs) ti a ṣakoso nipasẹ CSSF.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Luxembourg

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Luxembourg
Agbègbè: 2,586 km²
Awọn ede Ofin: Luxembourgish, French, German
Zone Time: UTC+01:00 (UTC+02:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

iṣẹ́ owó (ìpamọ́ banki atí ifowosowopo)
Irin ati awọn ọja irin
Àwọn ààyè-iṣẹ́
awọn ọja plastiki
Ìjánu-ìfún

Àwọn ìṣàfihàn ààyè-iṣẹ́

Germany
French
Belgium(Belgium)
Netherlands Antilles
Ìtaláànì

Sources for the country information(8)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(20)

CSSF: Law of 5 April 1993 on the financial sector (consolidated English text) · checked 2026-10-07
CSSF: Law of 10 November 2009 on payment services (consolidated English text) · checked 2026-10-07
CSSF: Legal requirements and authorisation procedures for credit institutions · checked 2026-10-07
CSSF: Authorisation procedure of a PI or EMI or registration of an AISP · checked 2026-10-07
CSSF: Legal requirements and authorisation procedure for CASPs · checked 2026-10-07
CSSF: MiCA transition period for virtual asset service providers ended on 1 July 2026 · checked 2026-10-07
CSSF: Legal requirements and authorisation procedure for investment firms · checked 2026-10-07
Legilux: Law of 20 April 1977 on games of chance and sports betting (consolidated version of 30 July 2021) · checked 2026-10-07
ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07
FATF: Jurisdictions under Increased Monitoring, 19 June 2026 (FATF site blocks automated access; content confirmed via official government notices below) · checked 2026-10-07
Insurance Commission of The Bahamas: notice reproducing FATF Public Statement of 19 June 2026 on Jurisdictions under Increased Monitoring · checked 2026-10-07
New Zealand Department of Internal Affairs: FATF jurisdictions under increased monitoring and call for action, June 2026 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
European Commission Representation in Luxembourg: EU updates its list of non-cooperative jurisdictions for tax purposes (17 February 2026) · checked 2026-10-07