Changing EUR to USD in Luxembourg: the cheapest way, and what the rest cost you
The spread takes 0 EUR at Advanzia Bank — Gebührenfrei Mastercard Gold.
Measured against 0.8666 EUR per USD, the reference these banks price from.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Advanzia Bank — Gebührenfrei Mastercard Gold | 0 EUR | 0% disclosed fee, checked 2026-07-01 |
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
BGL BNP Paribas | 0.50 EUR | derived from the disclosed margin |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
BGL BNP Paribas | 0.50 EUR | derived from the disclosed margin |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 3 banks, cheapest first. The dearest takes 1.1% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| BGL BNP Paribas derived | — | 0.8674 | 0.50 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.1% margin, which is the basis this bank discloses against. | |||
| Spuerkeess (BCEE) derived | — | 0.8674 | 0.50 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.1% margin, which is the basis this bank discloses against. | |||
| BIL derived | — | 0.8770 | 5.93 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 1.2% margin, which is the basis this bank discloses against. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 7 banks, cheapest first. The dearest takes 1.8% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| BGL BNP Paribas derived | 0.8657 | 0.8674 | 0.50 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.1% margin, which is the basis this bank discloses against. | |||
| Spuerkeess (BCEE) derived | 0.8657 | 0.8674 | 0.50 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.1% margin, which is the basis this bank discloses against. | |||
| ING Luxembourg derived | 0.8653 | 0.8679 | 0.75 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.15% margin, which is the basis this bank discloses against. | |||
| bunq derived | 0.8622 | 0.8709 | 2.49 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.5% margin, which is the basis this bank discloses against. | |||
| Quintet Private Bank derived | 0.8579 | 0.8752 | 4.95 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 1% margin, which is the basis this bank discloses against. | |||
| BIL derived | 0.8562 | 0.8770 | 5.93 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 1.2% margin, which is the basis this bank discloses against. | |||
| ING Luxembourg derived | 0.8804 | 0.8830 | 9.31 EUR |
Tell me when this changes
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Rates are EUR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 0.8666, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-08-11.