The difference between international health insurance and travel insurance is a source of confusion for many soon to be expatriates. Although both are intended for people spending time away from their home country, the intended purpose of each product is different. Not understanding this difference may leave you with the wrong international medical insurance while overseas and unexpected medical expenses. What’s the difference between expat insurance and normal travel insurance? The main difference between expat insurance and normal travel insurance is the duration of coverage and the level of protection provided. Expat insurance provides coverage for a longer period and complete health coverage while travel insurance is intended to cover short-term trips. Normal Travel Insurance provides basic medical coverage and may include benefits such as trip cancellation, lost luggage, and travel delay. International health insurance is designed to provide a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance provides cover for emergency treatment while you are in another country for a shorter space of time. What is travel insurance? Travel insurance is designed to cover you for trips of limited duration. It is intended for holidaymakers and short term trips abroad, and offers protection against travel related issues such as: Cancellations Loss of luggage Loss of personal belongings Emergency medical treatment In terms of medical coverage, travel insurance is intended to provide short-term emergency medical treatment, within your specified area or period of cover. The aim of this is to get you well enough to return home. Travel insurance rarely covers long term medical treatment. If further treatment is required, you will usually be expected to return to your home country. Cover ceases once you are back in your country of residence. What is international health insurance? International health insurance is designed for those living or working overseas for a prolonged period of time. It covers treatment for both emergency and routine healthcare, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. If you are relocating or if you have a home abroad where you spend a significant amount of time, international health insurance may be required. When experiencing a medical emergency, or even routine medical care, in a country where you are not familiar with the health system, and where you do not speak the language, international health insurance cover will ensure you get the medical attention you need.  International health insurance benefits vary by plan, but often include: Hospital stay Routine check-ups Cover for pre-existing conditions Cover for chronic conditions Choice of medical providers Our standard plans are modular so you can choose the combination of cover that best suits you and your family's needs. In addition to the Core plan, options include: Out-patient treatment  Maternity care Dental care Repatriation The flexible nature of these plans allow you to tailor them to your specific needs, making the right combination of cover for you and your family more financially accessible. Core plan and out-patient plan deductibles offer an opportunity to reduce premiums, as can careful consideration of the region of cover. For example, taking ‘Worldwide excluding USA’ instead of ‘Worldwide’ will alter premium significantly. As an expat, it can be tempting to try to keep costs down by opting to rely on local healthcare when you are abroad. However, should you fall ill, you may find that the local healthcare options do not meet your needs. Depending on where you are moving and your individual circumstances, you may not be entitled to free or subsidised healthcare. Without an expatriate health plan, you may incur expensive medical costs. Before venturing to another country on expat assignment, it is important to weigh your options and ensure that you have a health insurance plan you can rely on. Having the correct cover in place, will provide peace of mind as you settle into your new home. Take a look at our 'differences between international health insurance and travel insurance' plain talking guide. If you would like a quote for expat international health insurance, please click the link below… shorturl.at/xuTcQ 🥳 Join the LuxExpats May Meet-Up! : lu.ma/68ahq59h

Whether you're a dedicated marathoner or just lacing up your sneakers for a light jog, Luxembourg offers an exceptional variety of running tracks to suit every pace and preference. From forest trails to urban loops, the Grand Duchy blends nature and city life, making it a runner’s hidden gem in Europe. Here's your guide to some of the best running tracks in Luxembourg—tailored for locals, expats, and visitors alike. 🏞️ 1. Pétrusse Valley Trail – Luxembourg City One of the most picturesque runs in the capital, the Pétrusse Valley trail winds through a green corridor nestled beneath the city’s historical fortifications. Runners are treated to shaded paths, the gentle sound of the stream, and stunning views of old bridges and viaducts. Distance: ~3 to 5 km (with loops) Surface: Mostly gravel and paved Why run here: Peaceful, scenic, and centrally located 🌳 2. Bambësch Forest Trails – Dommeldange If you prefer a forest run, Bambësch offers a network of well-marked trails that cater to both beginners and experienced runners. The terrain ranges from flat to slightly hilly, ideal for endurance training or a meditative jog in nature. Distance: Multiple trails from 3 to 10 km Surface: Natural forest paths Why run here: Fresh air, quiet surroundings, wildlife sightings 🛤️ 3. Alzette River Route – Pfaffenthal to Hesperange This long riverside path is ideal for distance runners looking to cover more ground. Starting near Pfaffenthal, the trail runs parallel to the Alzette River and continues south past Bonnevoie, eventually reaching Hesper Park in Hesperange. Distance: ~8–10 km one way Surface: Mixed (asphalt, gravel) Why run here: Flat terrain, beautiful river views, perfect for steady pacing 🌆 4. Kirchberg Park & European Quarter Loops For urban runners, Kirchberg provides clean, modern trails through well-landscaped parks, public art installations, and modern architecture. There are wide pavements and pedestrian-only zones, making it both safe and inspiring. Distance: ~5 km loop around Parc Central Surface: Paved Why run here: Wide, well-maintained paths and energetic city vibes 🌄 5. Remich Promenade – Moselle River Located along the Moselle River in the southeast, Remich’s riverside promenade is a flat and relaxing route, especially popular in spring and summer. You’ll be running alongside vineyards and waterfront cafés—perfect for a post-run reward. Distance: Up to 6 km along the river Surface: Paved Why run here: Scenic views, calming atmosphere, wine country charm 🏃‍♀️ 6. Belval and Rockhal Area – Esch-sur-Alzette For runners based in the south, the Belval area offers a unique industrial-chic environment, with routes that circle around university buildings, the Rockhal venue, and steel towers of Luxembourg’s industrial past. Distance: 4–7 km options Surface: Pavement and concrete Why run here: Urban style meets cultural history 🔁 Bonus Tip: Parcours Vita Trails Luxembourg also features several Parcours Vita fitness trails—wooded loops with outdoor exercise stations. These are perfect for runners who want to integrate strength training into their routine. Popular ones can be found in Walferdange and Strassen. 🏅 Final Thoughts Luxembourg may be small, but its diversity of terrain—from wooded valleys to sleek urban parks—makes it a paradise for runners. Whether you crave solitude, scenery, or city energy, there’s a trail to match your pace. So tie up those running shoes, pick your route, and explore the country one stride at a time. 🇱🇺 Join Luxembourg Expats Online for Free : luxembourgexpats.lu Keywords : Running in Luxembourg, best running tracks Luxembourg, Luxembourg jogging routes, scenic running trails Luxembourg, top running paths Luxembourg, running trails Luxembourg City, Bambësch forest run, Pétrusse Valley trail, Alzette River jogging, Remich running route, Luxembourg running guide, where to run in Luxembourg, fitness trails Luxembourg, Luxembourg outdoor activities, Parcours Vita Luxembourg

Luxembourg City is inviting residents to mark their calendars for the 2025 edition of “Nopeschfest” (Neighbours’ Day), set to take place from Friday, 23 May to Sunday, 25 May 2025. This annual event is all about bringing people together, fostering community spirit, and turning neighbours into friends. What Is Nopeschfest? Nopeschfest is a city-wide celebration that encourages residents to organise friendly gatherings in their neighbourhoods. Whether it’s a simple street party, a shared meal, or games for kids, the goal is to strengthen bonds and create a welcoming atmosphere for everyone. How to Get Involved If you’re thinking about hosting a neighbourhood gathering, the City of Luxembourg (Ville de Luxembourg - VdL) is making it easy. Here’s what you need to know: The city will provide benches, tables, rubbish bins, and promotional materials like invitation cards, posters, and banners (to be returned after the event). If needed and possible, the city can temporarily close certain street sections to provide more space for your event. If the main weekend doesn’t work for you, you can organise your Nopeschfest any time up to the weekend of 11–13 July 2025 and still receive support and materials. Where to Get Materials Promotional materials and equipment are available at the VdL Special Needs Department (13 Rue Notre-Dame, L-2240 Luxembourg) from Monday to Friday, 08:00–12:00 and 13:00–17:00, until 11 July 2025. Supplies are limited, so it’s best to plan early. For more information, you can call 4796-4150 or email sschammel@vdl.lu. Special Notes If you’d like to hold your event in a public park or school playground, you’ll need to request prior authorisation from the city. This ensures everyone’s safety and smooth organisation. Why Participate? Nopeschfest is a wonderful way to meet your neighbours, share stories, and create lasting memories. Imagine a sunny afternoon with laughter, shared food, and new friendships forming right outside your door. It’s a simple idea with a big impact on the sense of community in Luxembourg City. Tips for a Great Event Use the city’s invitation cards to invite everyone on your street. Organise a potluck so everyone can share their favourite dishes. Make it fun for all ages with games or music. Take photos to remember the day and share your experience with others. For more details and inspiration, visit www.nopeschfest.lu. --- Join the Luxembourg Expats community, sign up free luxembourgexpats.lu Connect Explore Live

Luxembourg is preparing to discontinue its Golden Visa Program, signaling a shift in its approach to attracting foreign investment. While the government has not yet provided a specific termination date, officials have confirmed that the process to phase out the program is underway and legislative changes are expected soon. What Was Luxembourg’s Golden Visa Program? Introduced in 2017, Luxembourg’s Golden Visa Program offered non-EU investors a path to residency in exchange for significant financial investment. Applicants could qualify by: Investing at least €500,000 in an existing or new Luxembourg business that created at least five jobs Investing €3 million in management structures Depositing €20 million in a Luxembourg financial institution Alternatively, earning an annual income of €27,000 for residency on private grounds Successful applicants received a temporary residence permit valid for up to five years. After five years of residency and meeting language and citizenship requirements, permit holders could apply for Luxembourgish citizenship. Low Uptake Despite Recent Interest Since its launch, the program has seen very limited interest. Only 15 applications have been submitted in total, with just a handful approved. In 2023 and 2024, only six applications were filed, and four were rejected. Most recent applicants came from countries such as Russia, Israel, India, and China. Luxembourg’s stricter investment requirements compared to other EU countries are thought to have contributed to the low participation rate. Why Is Luxembourg Ending the Program? Several reasons are driving this decision: EU Pressure: The European Commission has called for the end of Golden Visa schemes, citing concerns about security, money laundering, and other risks. The scrutiny increased after Russia’s invasion of Ukraine in 2022. Limited Effectiveness: Luxembourg’s government has questioned whether the program delivers real economic or social benefits, given the low number of applicants and the country’s strong economy. Regional Trends: Other EU countries, including the Netherlands, Ireland, Portugal, and Spain, are also ending or modifying their investor visa programs. Ending the program will require changes to Luxembourg’s immigration laws, which means a bill must be drafted and approved by parliament. No timeline has been announced yet, so current and prospective applicants face some uncertainty. If you’re considering Luxembourg for residency, keep an eye on government updates. If you already hold a Golden Visa, it’s wise to consult with immigration professionals to understand how these changes might affect your residency status. For those exploring residency in Europe, it may be time to consider alternative pathways, as similar programs are being phased out across the EU. In short, Luxembourg’s move to end its Golden Visa Program is part of a larger European trend, driven by both internal assessments and external pressure from the EU. More details will emerge as the legislative process unfolds. --- Join the Luxembourg Expats community, sign up free luxembourgexpats.lu Connect Explore Live

April 16, 2025, was a day of celebration across Luxembourg as Grand Duke Henri, the nation’s beloved monarch, marked his 70th birthday. The milestone comes at a pivotal moment for the Grand Ducal family, as the Grand Duke prepares for his anticipated abdication later this year. A Day of Joy and Reflection The Grand Ducal Court commemorated the occasion by releasing a series of new portraits of Grand Duke Henri, both solo and with Grand Duchess Maria Teresa. The photographs, which quickly made their way across social media and news outlets, show the Grand Duke in a relaxed and reflective mood, a fitting image for a leader who has guided Luxembourg through more than two decades of change. Grand Duchess Maria Teresa posted a touching tribute to her husband, calling him her “extraordinary” partner and sharing their happiness with the public. The day was made even more special as it coincided with the 33rd birthday of their youngest son, Prince Sébastien. The family shared a rare photo together, capturing a moment of warmth and unity that resonated with Luxembourgers and expats alike. Looking Ahead: A Changing of the Guard This 70th birthday is not just a personal milestone for the Grand Duke, but also a symbolic one for the country. Henri has announced plans to abdicate in October 2025, passing the torch to his eldest son, Hereditary Grand Duke Guillaume. The transition is expected to be smooth, reflecting the stability and continuity that have defined Henri’s reign. In the lead-up to his abdication, Luxembourg will honor Grand Duke Henri with three days of jubilee celebrations in June. These festivities will include concerts, a solemn Te Deum service, and a grand fireworks display, offering the public a chance to express their appreciation for a monarch who has been both a steady hand and a modernizing influence. A Monarch for All Luxembourgers Throughout his reign, Grand Duke Henri has been known for his commitment to unity, tradition, and progress. His leadership has seen Luxembourg grow as a multicultural hub, welcoming expats from around the world while maintaining a strong sense of national identity. For many, the Grand Duke’s 70th birthday is a reminder of the enduring values that bind the country together. As Luxembourg looks ahead to National Day on June 23-officially celebrated as the Grand Duke’s birthday-the nation is not only celebrating a royal milestone, but also embracing a moment of transition and renewal. For expats and locals alike, Grand Duke Henri’s 70th birthday is more than just a royal event; it’s a celebration of family, continuity, and the unique spirit of Luxembourg. --- Join the Luxembourg Expats community, sign up free luxembourgexpats.lu Connect Explore Live

Luxembourg’s financial sector is entering a new era of digital security and resilience. The country’s financial regulator, the Commission de Surveillance du Secteur Financier (CSSF), has introduced a series of updated circulars to bring local regulations in line with the European Union’s Digital Operational Resilience Act (DORA). These changes are set to strengthen how financial institutions in Luxembourg manage digital risks, respond to cyber incidents, and work with third-party technology providers. What Is DORA and Why Does It Matter? DORA, which came into force across the EU in January 2025, is a landmark regulation aimed at ensuring that all financial entities-from banks and investment firms to payment service providers-are prepared to withstand and recover from digital disruptions. The regulation sets out clear expectations for managing ICT risks, reporting major incidents, and overseeing third-party technology providers. For Luxembourg, aligning with DORA means adopting a unified, EU-wide approach to digital resilience. Key Changes Introduced by CSSF Updated ICT Risk Management The CSSF has revised its existing guidance on ICT and security risk management. Now, DORA-covered entities will follow the new EU-wide requirements, while non-DORA entities will continue under the CSSF’s earlier framework. Payment service providers, in particular, will need to adapt to new guidelines that emphasize regular ICT risk assessments and robust reporting mechanisms. Streamlined Incident Reporting One of the most significant changes is the introduction of a harmonized process for reporting major ICT-related incidents and significant cyber threats. Financial institutions are now required to notify the CSSF of incidents using new dedicated forms through the CSSF’s eDesk portal. This replaces previous fragmented reporting practices and ensures that all critical incidents are captured in a consistent manner. Revised Outsourcing and Third-Party ICT Service Rules The CSSF has also updated its rules for outsourcing and third-party ICT services. DORA entities must now comply with new requirements for managing relationships with technology providers, including maintaining an up-to-date register of all critical outsourcing arrangements and notifying the CSSF of any significant changes. There is also a renewed focus on cloud computing, with obligations such as appointing a cloud officer and ensuring that cloud services are properly authorized. How Will These Changes Affect Financial Institutions? For financial institutions in Luxembourg, these updates mean it’s time to take a closer look at existing digital risk management frameworks and ensure they meet the new standards. This could involve updating internal policies, renegotiating contracts with technology providers, and training staff on new incident reporting procedures. For example, consider an investment firm that relies on a cloud provider for its trading operations. Under the new rules, the firm must ensure its outsourcing agreements include all necessary clauses and maintain a detailed register of the arrangement. If a cyber incident disrupts trading, the firm is now required to notify the CSSF promptly using the new reporting forms. Actionable Steps for Compliance Review and update ICT risk management policies to align with DORA requirements. Implement new incident detection, response, and reporting procedures. Update outsourcing contracts and maintain a detailed register of critical ICT arrangements. Train staff and management on the new rules and reporting processes. Regularly test digital resilience through drills and scenario planning. The CSSF’s move to align with DORA marks a significant step forward for Luxembourg’s financial sector. By adopting these new standards, financial institutions will be better prepared to handle digital threats and disruptions, ensuring greater stability and trust in the market. Now is the time for firms to review their processes, close any compliance gaps, and invest in building a more resilient digital future. --- Join the Luxembourg Expats community, sign up free luxembourgexpats.lu Connect Explore Live 

Moving to Luxembourg sounds like a dream — a charming mix of old-world beauty, modern finance, and multicultural life. But once the honeymoon phase ends, many expats discover quirks they wish someone had told them before the big move. If you're about to begin your Luxembourg journey (or still figuring things out), this starter pack is for you. 1. Sundays Are for Silence (and Planning Ahead) Don’t expect to pop into a supermarket or do laundry at 5 p.m. on a Sunday. Most shops and services shut down — and yes, that includes grocery stores. Locals treat Sunday as sacred family or rest time. Plan your errands ahead and embrace the slower pace with a stroll through nature or a visit to a museum. 2. Three (or More) Languages Are the Norm Luxembourg has three official languages: Luxembourgish, French, and German. Many services, menus, and government documents may switch between all three. Add English, Portuguese, and more to the mix, and you’ve got a vibrant linguistic salad. Don’t worry if you don’t speak Luxembourgish — a friendly “Moien” goes a long way. 3. Renting Is a Challenge — Start Early The housing market in Luxembourg is tight and pricey. It’s common to attend viewings with several other hopefuls and act quickly to secure a place. Have your documents (proof of income, ID, work contract) ready, and consider using platforms like Luxembourg Expats Housing Group on Facebook. 4. Public Transport Is Free and Fantastic Since 2020, Luxembourg became the first country in the world to offer free public transport nationwide — trains, buses, and trams included. It’s clean, efficient, and covers even small towns. Download the Mobiliteit.lu app to plan your routes and check schedules. 5. You’ll Fall in Love with Nature Luxembourg isn’t just about glass buildings and banks. There are stunning forests, rivers, castles, and hiking trails just minutes from the city. Whether it’s the fairytale beauty of Mullerthal or the vineyards of Moselle, the outdoors are part of the lifestyle. 6. Prepare for Paperwork (and Keep Copies of Everything) Bureaucracy is part of the package. From registering your address to applying for residency or health insurance, you’ll face a fair bit of paperwork. Don’t be surprised if you're asked for multiple physical copies, and sometimes original documents. Patience and a folder with all your papers = survival kit. 7. Cultural Etiquette Is Quiet but Friendly Luxembourgers may seem reserved at first, but they are polite and respectful. A simple “Bonjour” or “Moien” when entering a room or shop is appreciated. Punctuality is valued — especially in work settings. If you’re invited to someone’s home, it’s customary to bring flowers, chocolates, or wine. 8. Expats Are Everywhere — Find Your People Over 47% of Luxembourg’s population is made up of non-Luxembourgers. From professional networks to social events and family-friendly meetups, the expat community is diverse and welcoming. Check out platforms like Luxembourg Expats to start connecting. 9. Healthcare Is Excellent — But Know How It Works Luxembourg’s healthcare system is high-quality but requires health insurance and registration. Most people are covered through their employer and the CNS (Caisse Nationale de Santé). Be prepared to pay upfront for consultations and get reimbursed later. 10. It’s Safe, Small, and Super Central You’re a short train ride or flight away from Paris, Brussels, Amsterdam, and Frankfurt. Luxembourg’s location is a huge perk for travelers. The country is also one of the safest in the world — low crime rates, reliable emergency services, and a peaceful atmosphere. Final Thoughts: Your Luxembourg Journey Starts Here Luxembourg is a unique blend of cultures, history, and opportunity. While the adjustment can take time, most expats agree that the rewards outweigh the challenges. Embrace the surprises, stay curious, and don't be afraid to ask questions — you're joining a global community in one of Europe’s most dynamic little countries! 🇱🇺 Join Luxembourg Expats Online for Free : luxembourgexpats.lu Keywords : Luxembourg expat guide, moving to Luxembourg, expat life in Luxembourg, living in Luxembourg tips, Luxembourg housing market, free public transport Luxembourg, Luxembourg starter pack, Luxembourg for expats, Luxembourg expat community, Luxembourg lifestyle, expat relocation Luxembourg, Luxembourg multilingual culture, Luxembourg bureaucracy tips, healthcare in Luxembourg, things to know before moving to Luxembourg.

Luxembourg’s cultural landscape is undergoing a remarkable transformation, thanks to the steady progress of its national cultural policy, the Kulturentwécklungsplang 2018-2028 (KEP). As of December 2024, the Ministry of Culture reports that 70% of the KEP’s 62 recommendations have been implemented or are in progress-a significant achievement that signals both momentum and commitment to cultural growth. Understanding the KEP: Luxembourg’s Blueprint for Culture The KEP is Luxembourg’s first comprehensive national cultural development plan. Launched in 2018, it aims to create a dynamic, inclusive, and sustainable cultural ecosystem. The plan covers everything from governance and artistic creation to heritage preservation, accessibility, education, and the professionalization of cultural workers. The KEP was developed through extensive consultation with cultural professionals and stakeholders. Over 260 cultural workers participated in workshops, shaping a roadmap that reflects the sector’s real needs and ambitions. The plan is structured into 10 chapters and 62 actionable recommendations, each tracked for progress and impact. Recent Achievements: Turning Policy into Practice Of the 62 recommendations, 18 have been fully realized, 43 are actively being implemented, and only one remains suspended. Here are some highlights from recent achievements: Revision of Public Art Law: Recommendation No. 20 led to the adoption of a new law in March 2023, introducing the “1% for art” principle. This means that a portion of every public construction budget is now dedicated to art projects, ensuring that creativity is woven into the fabric of public spaces. A new Commission for Artistic Arrangements was also established to guide both clients and artists through the public tender process. World Heritage Management: Recommendation No. 31 focused on the UNESCO World Heritage site “Luxembourg Old Town and its Fortifications.” In July 2024, UNESCO praised Luxembourg’s management as exemplary, and the country celebrated the 30th anniversary of the site’s listing with an inclusive virtual tour of the Citadel of Saint-Esprit. The citadel will partially open to the public from Easter 2025, making heritage more accessible to all. Why This Matters: Real Impact for People and Communities The KEP isn’t just about ticking boxes-it’s about making culture a living, breathing part of everyday life in Luxembourg. Here’s how the strategy is making a difference: Broader Access: The plan promotes cultural citizenship and ensures that everyone, regardless of background, can participate in and benefit from cultural life. Stronger Support for Artists: By professionalizing the sector and improving working conditions, the KEP helps artists and cultural workers thrive, fostering innovation and creativity. Heritage and Innovation: From preserving UNESCO sites to embracing digital culture, the strategy balances respect for tradition with a forward-looking embrace of new technologies and practices. Community and Inclusion: The KEP encourages dialogue, diversity, and collaboration across regions and disciplines, building a sense of shared identity and belonging. What’s Next? Ongoing Commitment and Opportunities With 70% of the plan in motion, Luxembourg is well on its way to achieving its cultural ambitions by 2028. The Ministry of Culture continues to monitor progress, adapt to new challenges, and engage with the cultural sector to ensure the plan remains relevant and impactful. For artists, cultural organizations, and local communities, this is a time of opportunity. Whether you’re looking to participate in public art projects, explore heritage sites, or contribute to the evolving cultural conversation, the KEP’s progress means more support and more ways to get involved. Actionable Steps for Cultural Stakeholders Stay Informed: Follow updates on the KEP’s progress at www.kep.lu, where you can track each recommendation and see how it connects to your interests. Get Involved: Participate in public consultations, workshops, and cultural events to help shape the future of culture in Luxembourg. Leverage Opportunities: Artists and organizations can tap into new funding, commissions, and partnerships made possible by the KEP’s initiatives. Celebrate and Share: Take advantage of new cultural offerings, from public art installations to heritage site openings, and share these experiences with your community. Luxembourg’s cultural policy is a living example of how thoughtful planning, collaboration, and sustained investment can create a vibrant, inclusive, and resilient cultural sector. With 70% of the KEP strategy now realized, the country is setting a benchmark for others to follow. ---- Join the Luxembourg Expats community, sign up free luxembourgexpats.lu

The UK Foreign, Commonwealth & Development Office (FCDO) has updated its travel advice for British tourists planning to visit Luxembourg, emphasizing key safety, security, and entry requirements to ensure a smooth trip. As of April 27, 2025, the guidance highlights specific precautions for travelers to this Schengen Area country, including transport risks and legal differences. Key Travel Advice for Luxembourg Safety and Security: The threat of terrorism in Luxembourg is low, but there’s a global risk of indiscriminate attacks targeting tourist-heavy areas. Pickpocketing is a concern on buses, in train stations (notably Gare de Luxembourg), and in hotel lobbies in the Findel area. Travelers should keep passports, credit cards, and valuables separate and stay vigilant in crowded places. Entry Requirements: Luxembourg follows Schengen rules. Your passport must have a ‘date of issue’ less than 10 years before arrival and an ‘expiry date’ at least three months after your planned departure from the Schengen area. UK citizens can stay visa-free for up to 90 days in any 180-day period. The EU Entry/Exit System (EES), expected to start in October 2025, will require digital registration for non-EU nationals, including Brits. Ensure your passport is stamped on entry and exit to avoid overstaying penalties. Driving Regulations: Luxembourg strictly enforces road traffic laws, with fines for minor violations. UK photocard driving licenses are valid for one year, but paper licenses may require an International Driving Permit (IDP). Drivers must carry six essential documents to avoid fines: a valid driving license, vehicle registration document (V5C), insurance certificate, MOT certificate (if applicable), a UK identifier (sticker or on number plates), and a warning triangle/vest. Winter tyres are mandatory in icy or snowy conditions, marked with ‘M.S.’, ‘M+S’, or the alpine symbol. The blood alcohol limit is 0.05% for experienced drivers (0.02% for those with licenses under two years), stricter than England’s 0.08%. Health and Insurance: Comprehensive travel insurance is recommended, covering all planned activities and emergencies, as the European Health Insurance Card (EHIC) may not be accepted by private hospitals. Emergency services can be reached by dialing 112, and excellent medical facilities are widely available. Why This Advice Matters The FCDO’s guidance aims to help British tourists avoid legal, safety, or logistical issues while in Luxembourg. Ignoring these recommendations, such as driving without required documents or overstaying the 90-day Schengen limit, could lead to fines, detention, or a ban from Schengen countries for up to three years. Travel insurance may also be invalidated without proper compliance. Tips for British Tourists Check FCDO Updates: Review the FCDO’s Luxembourg travel advice page (gov.uk/foreign-travel-advice/luxembourg) before booking or traveling. Sign up for email notifications for real-time updates. Prepare Documentation: Carry your passport at all times, as it’s easy to cross into neighboring countries (Germany, Belgium, France) unintentionally. Declare cash or travelers’ cheques worth €10,000 or more when entering or transiting Luxembourg. Stay Cautious: Use official taxis at marked stands, check rates beforehand, and avoid distractions at ATMs or tourist sites to reduce theft risks. The FCDO emphasizes that while Luxembourg is generally safe, preparation is key to a hassle-free visit. For the latest information, visit the FCDO’s Luxembourg travel advice page or contact the Luxembourg Embassy in the UK. ---- Join the exclusive expats marketplace social network - Luxembourg Expats luxembourgexpats.lu

Big changes have arrived for Luxembourg’s financial sector. On April 9, 2025, the Commission de Surveillance du Secteur Financier (CSSF) rolled out a series of new circulars to bring local regulations in line with the EU’s Digital Operational Resilience Act (DORA). If you’re a financial entity or a service provider in Luxembourg, here’s what you need to know-and do-right now. What’s Driving the Change? DORA officially became law on January 17, 2025, aiming to boost the digital resilience of the financial sector across the EU. It sets out tough new standards for managing information and communication technology (ICT) risks, reporting incidents, testing resilience, managing third-party risks, and sharing intelligence. The CSSF’s latest circulars are designed to remove regulatory overlaps, clarify requirements, and make sure Luxembourg’s framework matches the new EU-wide rules. Key Regulatory Updates Here’s a breakdown of the main changes: ICT and Security Risk Management New Circular CSSF 25/880: This is now the go-to rulebook for payment service providers (PSPs), whether or not they fall under DORA. It adopts the latest EBA Guidelines on ICT and security risk management and sets out how PSPs should assess their ICT risks. It also introduces new reporting requirements on operational and security risks. Circular CSSF 20/750: This circular now only applies to non-DORA entities, with a narrower definition of “PSPs.” If you’re a DORA entity, you’re no longer covered by this circular. Outsourcing Arrangements Circular CSSF 22/806: Previously, this covered all outsourcing-including ICT outsourcing. Now, for DORA entities, it only applies to business process outsourcing. ICT outsourcing is governed directly by DORA, so there’s no more overlap. For non-DORA entities and management companies, the circular still applies in full. Cloud Computing: Specific contractual clauses for cloud service providers have been repealed to harmonize requirements for both DORA and non-DORA entities. New Requirements for ICT Third-Party Services New Circular CSSF 25/882: This sets out the rules for DORA entities when using ICT third-party services. It covers reporting obligations, the need to maintain a detailed register of all ICT third-party arrangements, and retains some elements from the old framework that aren’t covered by DORA but are still needed for compliance. What Should Financial Entities Do Next? Here’s a quick action plan to help you stay compliant: Review and update your ICT risk management procedures to align with the latest EBA Guidelines and Circular CSSF 25/880. Make sure you meet the new reporting requirements under Article 105-1(2) of the Law of 10 November 2009 on payment services. Check your outsourcing agreements. Update them to reflect the new requirements in Circular CSSF 22/806 (for business process outsourcing) and Circular CSSF 25/882 (for ICT outsourcing and third-party services). If you’re a DORA entity, ensure you’re maintaining a comprehensive register of all ICT third-party arrangements as required by the new circulars. These changes aren’t just about ticking boxes-they’re about building stronger digital defenses in a world where cyber risks are growing fast. DORA’s requirements are now the gold standard, and the CSSF is making sure Luxembourg’s financial sector keeps pace. By acting now, you’ll not only stay on the right side of the rules but also help protect your business and your clients from digital threats. If you’re unsure how these updates affect your organization or need help updating your policies and contracts, now’s the time to seek expert advice. The new rules are here, and being proactive is the best way to stay resilient. Read more: https://www.cssf.lu/en/2025/01/entry-in-application-of-dora-regulation-on-17-january-2025/ https://www.cssf.lu/en/digital-operational-resilience-act-dora/ https://www.goodwinlaw.com/en/insights/publications/2025/01/alerts-finance-fs-entry-into-force-of-dora-in-luxembourg https://www.cssf.lu/en/2025/04/definition-of-ict-services-under-dora-new-forms-for-ict-third-party-arrangements-ict-outsourcing-arrangements/ https://chambers.com/articles/dora-the-cssf-is-making-far-reaching-changes-to-its-regulatory-framework-on-ict-risks-and-outsourc https://practiceguides.chambers.com/practice-guides/banking-regulation-2025/luxembourg/trends-and-developments https://www.nautadutilh.com/en/insights/cssf-aligns-outsourcing-rules-with-dora-framework/ https://insightplus.bakermckenzie.com/bm/banking-finance_1/luxembourg-cssf-aligns-with-dora-key-updates-on-ict-and-outsourcing-regulations https://www.arendt.com/news-insights/news/entry-into-application-of-dora-today/ https://www.klgates.com/Digital-Operational-Resilience-in-the-Financial-Services-Sector-EU-and-UK-Update-7-31-2024 https://www.cssf.lu/en/2024/12/dora-regulation-reminders-and-advice-on-preparedness/ https://www.cssf.lu/en/2025/04/updates-of-several-cssf-circulars-related-to-ict-risk-management-and-use-of-ict-third-parties-ict-outsourcing/ https://www.mondaq.com/financial-services/1572410/entry-into-force-of-dora-on-january-17-2025-the-cssf-will-be-at-the-heart-of-the-compliance-framework-in-luxembourg https://www.cssf.lu/wp-content/uploads/cssf22_806eng.pdf https://www.deloitte.com/lu/en/Industries/financial-services/perspectives/cssf-releases-outsourcing-circular.html