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Contactless payment technology allows you to make purchases without having to insert a credit card into a terminal. To make a payment, just wave your card close to a terminal displaying this symbol :

In Luxembourg, contactless payments can be made for any amount.

For amounts under 50 EUR, you do not need to use your PIN code.

For amounts over 50 EUR, your PIN code will be requested. These are the limits for Luxembourg, but they vary from country to country. 

Circumstances may require to adjust the limit.

No, it is impossible to make a contactless payment by accident. You can only initiate the payment by waving your card a few centimetres away from the terminal to approve the registered amount. Beyond this distance, the contactless technology cannot be activated. This means that you have complete control over your contactless payments. A sales receipt is issued at the end of every contactless transaction.

3D Secure is a security service for online credit card payments aimed at reducing the fraudulent use of credit cards on the internet. It is used by websites displaying the following logo:

Since 1 January 2021, online transactions have been validated through the ‘LuxTrust Mobile’ authentication solution. The ‘LuxTrust Mobile’ authentication solution is the only way to validate online purchases through your smartphone.

Follow the step-by-step instructions on 3D Secure : Enhanced security for your online payments.

You can take some practical steps to safeguard against risk. Before any transaction, check that you are in a secure virtual environment (a key or padlock icon will show up on your screen or the https:// address will be displayed in the address field on your browser). Only purchase goods or services from merchants of good repute. Avoid lesser known sites or try to find out more about them before making a purchase. In the event of a suspicious transaction, contact Worldline Financial Services (Europe) S.A. immediately on (+352) 49 10 10 (24/7) to block your card. 

A personalised PIN code is easier to remember so it is more secure as it will save you from having to write down the number (which we strongly advise against). It is also unwise to disclose your PIN code to anyone else. You can personalise the PIN code on your V Pay card at Banque de Luxembourg cash machines. You can change the PIN code of your VISA or MasterCard payment cards at any cash machines in Luxembourg.

The maximum monthly limit on your credit card is usually decided with your banking adviser when you first sign up for the card. However, it is possible to change it up or down on a temporary basis (e.g. when you go on holiday). This can be done by contacting your banking adviser on (+352) 49 924 1 or via your digital platforms (the BL Mobile Banking app or e-banking website).

If you regularly make payments in foreign currency, contact your banking adviser to discuss the most appropriate solution for your circumstances.

The statement dates for credit cards (see list of dates opposite) are produced every month. Statements are generated and usually sent 3 days after the statement date.