Best Online Brokers in Luxembourg 2026
CSSF-regulated brokers in Luxembourg — 0% CGT for long-term holders.
✅ CSSF Regulated
🇱🇺 CSSF Regulated
0% CGT (held >6 months)
🌍 UCITS ETF Hub
🔬 Tested with real accounts
🔄 Last updated: July 2026 · Reviewed by WhichBrokr Research Team
⚠️ Risk warning: Investing involves risk of loss. Capital is not guaranteed. Some links on this page are affiliate links — this does not affect our rankings.
⚡ No time to read? Our top picks for Luxembourg
Interactive Brokers — The broker of choice for serious investors. Access to 150+ markets in 33 countries.
Saxo Bank — Institutional-grade multi-asset broker with 71,000+ instruments across stocks, ETFs, bonds, futures, forex and crypto.
XTB — Best overall broker for European investors. Zero commission stocks & ETFs up to €100k/month.
DEGIRO — Europe's lowest-cost broker for stocks & ETFs. Access to 50+ exchanges in 30 countries.
Top 4 Best Online Brokers in Luxembourg — Detailed Reviews
IB
Best for Professionals
Interactive Brokers
Regulated by SEC
4.6/5
Commission
From $0.005/share (Pro; EU only)
Europe's lowest-cost broker for stocks & ETFs. Access to 50+ exchanges in 30 countries.
SX
Best Professional Platform
Saxo Bank
Regulated by DFSA
4.5/5
Commission
From 0.08% (EU stocks)
Canada's most trusted domestic crypto exchange. FINTRAC registered and OSC Restricted Dealer. CAD funds held in CDIC-insured accounts.
XTB
Editor's Choice
XTB
Regulated by FCA
4.7/5
Commission
0% up to €100k/month
Best overall broker for European investors. Zero commission stocks & ETFs up to €100k/month.
DG
Editor's Choice
DEGIRO
Regulated by AFM
4.4/5
Commission
1 + exchange fee per trade
Europe's lowest-cost broker for stocks & ETFs. Access to 50+ exchanges in 30 countries.
How to Get Started with Best Brokers in Luxembourg
1
Choose a regulated platform
Pick a broker regulated by CSSF or operating under an international licence. All platforms on this page qualify.
2
Open your account
Account opening is fully online. You'll need a photo ID (passport or national ID) and proof of address. Most platforms verify within 1–2 business days.
3
Fund your account
Deposit via bank transfer (free, 1–3 days) or debit card (instant, small fee). Minimum deposits vary — most top platforms start from €0.
4
Start investing
Diversify across stocks and ETFs. Consider low-cost index ETFs for long-term growth.
🇱🇺 Luxembourg: Country Environment Blueprint
Primary Watchdog
Commission de Surveillance du Secteur Financier (CSSF) —
www.cssf.lu
Passporting / Access
✅ Fully accepted. Any EU/EEA-regulated broker can legally serve Luxembourg residents via MiFID II passport — no local entity required.
Regulatory Blacklist
CSSF maintains a list of regulated firms. Verify any broker before depositing.
Capital Gains Tax
0% for long-term (held >6 months); 15% for short-term — Luxembourg: gains on shares held >6 months are exempt from CGT for individuals. Short-term gains (<6 months) taxed at 15% if exceeding €500 exemption. Very favourable for long-term investors.
Dividend Tax
15% WHT (unless reduced by double-tax treaty).
Foreign Account Reporting
Foreign account reporting requirements may apply. Check with your local tax authority.
Loss Carry-Forward
2 years
Standard Account
Cap: No cap Shares held >6 months: 0% CGT for individuals. Luxembourg is primarily known as a global fund domicile (most UCITS ETFs are Luxembourg-domiciled).
US ETF Access (PRIIPs)
⛔ US-domiciled ETFs are restricted for retail investors (PRIIPs regulation). Use UCITS equivalents: iShares CSPX, Amundi CU2, or Vanguard VWRA.
Domestic Exchanges & Indices
Luxembourg Stock Exchange (LuxSE) · Index: LuxX Index
What Luxembourg Investors Need to Know in 2026
Luxembourg is the world's second-largest fund centre after the US. Almost all UCITS ETFs are Luxembourg-domiciled. Individuals holding shares >6 months pay 0% CGT.
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How we chose these platforms
Our team opened real accounts, deposited funds and tested each platform in Luxembourg. We evaluate regulation quality, fees (commissions, spreads, FX conversion), platform usability, customer support response times and local features specific to Luxembourg investors. Rankings are updated regularly.
Frequently Asked Questions
What is the CGT rate in Luxembourg? +
0% for shares held >6 months. 15% for shares held <6 months (above €500 threshold). Very favourable for long-term investors.