DigicashDigicash

Luxembourg E-wallet Foreigners restricted Not a bank · not insured ★ 3.8
OperatorLuxembourgish banks consortium
Minimum top-upNo top-up; direct debit
Main feesFree for buyers; debited from linked account.
Local bank neededLink a Luxembourg local account
How to sign upWithin your bank app’s Digicash module — QR/phone payments
Sign-up timeInstant with a local account
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this wallet

Luxembourg’s national mobile payment embedded in local bank apps for merchant, P2P and bill payments.

!Not a bank. Digicash is a Luxembourg banks’ mobile payment; funds come from linked accounts, not held by Digicash.

Can foreigners or tourists open it?

Limited. Needs a Luxembourg account; foreigners with one can use it.

Advantages

  • Built into all Luxembourg bank apps
  • Free, instant
  • Easy P2P and bills

Limitations

  • Luxembourg accounts only
  • Foreigners need local account
  • No international use

What you need

  • Luxembourg account
  • Bank app
  • Phone

No top-up; direct debit|Free for buyers; debited from linked account.

How to sign up

  1. Enable Digicash in your bank app
  2. Link account
  3. Pay/request via phone or QR
  4. Scan at merchant

Limits & protection

By bank and account

FAQ

Can a foreigner or tourist open Digicash?

Limited. Needs a Luxembourg account; foreigners with one can use it.

Do I need a local bank account or a local phone number for Digicash?

Local bank account: Link a Luxembourg local account. Items typically needed: Luxembourg account; Bank app; Phone.

What documents are required to open Digicash?

Typically: Luxembourg account; Bank app; Phone.

How do I sign up for and top up Digicash?

How to sign up: Within your bank app’s Digicash module — QR/phone payments (Instant with a local account). Steps: 1) Enable Digicash in your bank app 2) Link account 3) Pay/request via phone or QR 4) Scan at merchant Fees: Free for buyers; debited from linked account.

Are there limits on Digicash? Is the balance deposit-insured?

By bank and account

Ready? Open it officially

E-wallet rules change often — always follow the latest instructions in the official app.

Open on official site ↗ We charge no fees and cannot guarantee approval — always apply through official channels.