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Luxembourg
Identity Verification & KYC For Luxembourg
Shufti supports KYC, KYB and AML workflows aligned to Luxembourg regulations. Verify individuals and corporate entities with eID recognition and beneficial owner identification.
Operational performance for Luxembourg KYC
Our Numbers Speak Volumes
100%
Pass Rates
< 5 sec
Verification
Time
100%
NFC
Coverage
Evidence-Ready Checks Across People & Businesses in Luxembourg
Individual Documents We Verify
Shufti supports 3 Luxembourg document types.
View All Supported DocumentsCarte d'Identité (National Identity Card)
Compulsory biometric document for residents 15+; electronic chip (eID) and security elements in French and German; primary EU travel and identity document.
Passport
Biometric document with fingerprints and ICAO security features; required for travel outside EU and completes international identity verification portfolio.
Permis de Conduire (Driver's Licence)
Issued by Service des Permis de Conduire; valid 10 years; accepted for identity and age verification in KYC with embedded address and security features.
Business Entity Identity
RCS Registration Extract
Official incorporation document from Luxembourg Business Registers; includes company name, registration number, legal form and management structure.
Articles of Association
Founding document detailing company name, capital structure, governance framework, shareholder rights and stated business purpose and operations.
Business Tax Identity
VAT Registration Certificate
Issued by Administration de l'Enregistrement, des Domaines et de la TVA; includes 8-digit VAT number formatted as LU + 8 digits for tax compliance.
Tax Identification Number (TIN)
13-digit national identification number assigned by social security or CTIE; required for all legal entities in tax authority communications and registrations.
Ownership & Control (UBO)
Register of Beneficial Owners Extract
Public central register listing ultimate beneficial owners of Luxembourg entities with 25%+ ownership threshold; mandatory disclosure and filing requirement.
Languages We Cover
Multilingual Document Handling
Official documents issued in French and German with trilingual instructions; Shufti captures and reconciles text across language versions to reduce translation discrepancies and improve matching accuracy.
Name Matching Controls
Advanced matching handles Luxembourg naming conventions, hyphens and accented characters to reduce false positives in sanctions, PEP screening and regulatory matching workflows.
Regulatory Text Consistency
Identity data reconciled across multilingual document fields, beneficial ownership disclosures and screening outputs maintained in audit-ready case files.
GOVERNANCE & CONTROLS
Audit-Ready Decisions, Lower Operational Drag
Fewer Avoidable Re-Submissions
Multilingual document capture reduces failure rates across French and German variants of Luxembourg identity documents.
Cleaner Audit Trails
Structured KYC/KYB case files retrievable for CSSF and CNPD examination requests with timestamped decision logs.
Better Name Matching Outcomes
Handles Luxembourg naming conventions, accented characters, hyphens and multilingual text to improve sanctions matching accuracy.
One Workflow, One Back Office
KYC, KYB, beneficial owner verification, AML screening and case management consolidated in one system.
eID-First Flow Design
Electronic identity card-first flows aligned with how identity is actually verified in Luxembourg's digital ecosystem.
Luxembourg IDV/KYC Challenges
Multilingual Verification
Trilingual documents (Luxembourgish, French, German) require specialist interpretation of security features and expiration dates across language versions.
Cross-Border UBO Structures
Major financial centre with cross-border flows; identifying beneficial owners in multi-layered corporate structures presents ongoing verification challenges.
eID Format Fragmentation
Electronic ID cards with chip create dual-format requirements; distinguishing genuine eID from generated digital copies requires advanced validation.
Prosecution Backlogs
Prosecutor office backlogs delay money laundering prosecutions, creating pressure to strengthen beneficial ownership and transaction monitoring standards.
Shufti's IDV/KYC Solutions for Luxembourg
KYC Solutions
Face Verification
Reduces impersonation and synthetic identity fraud. Biometric corroboration strengthens identity evidence and aligns with CSSF expectations for non-documentary verification requirements.
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Age Verification
Selfie-based age estimation with document verification fallback where required by regulated sectors such as financial services, gaming and age-gated products.
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Address Verification
Verifies documents from Luxembourg utility providers (Enovos, Orange, POST) and banks (Société Générale, BGL BNP Paribas, BCEE) for address validation and identity corroboration. Supports risk-based approach to customer due diligence screening with ongoing sanctions screening and PEP verification.
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Document Verification
Supports Luxembourg national ID (Carte d'Identité) with eID chip extraction, passports with biometric security, and driver's licences with MRZ validation. Includes video identification capability where CSSF requirements permit.
.KYB Solutions
Business Verification
Validates entity status through RCS registry data, corroborates VAT registration and TIN evidence, captures beneficial ownership disclosures per register requirements.
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Enhanced Due Diligence (EDD)
Escalation workflows for high-risk entities, PEPs, cross-border exposure and sanctioned jurisdictions. Produces reconstructable audit trails aligned with CSSF requirements.
.AML Screening
Business AML Screening
Screens entities and controlling persons against EU Consolidated Sanctions List, UN sanctions databases and global PEP datasets with goAML reporting integration. Sanctions screening compliance aligned to Law of 12 November 2004.
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Transaction Screening
Supports ongoing monitoring aligned to Law of 12 November 2004 suspicious activity monitoring obligations and financial intelligence unit escalation processes. Continuous monitoring of transactions against regulatory requirements.
.Built to Fit Luxembourg's Compliance Landscape
Commission de Surveillance du Secteur Financier (CSSF)
Supervises Luxembourg's financial sector for prudential compliance. Shufti delivers audit-ready KYC/KYB case files aligned to CSSF examination standards. Official Website: https://www.cssf.lu/en/
Cellule de Renseignement Financier (Financial Intelligence Unit)
National FIU receives and analyses suspicious transaction reports through goAML. Shufti supports STR preparation and goAML-aligned documentation workflows. Official Website: https://justice.public.lu/fr/organisation-justice/crf/goaml.html
Commission Nationale pour la Protection des Données (CNPD)
Independent authority enforcing GDPR and Luxembourg data protection laws. Shufti aligns data retention, encryption and audit trails to GDPR Article 32. Official Website: https://cnpd.public.lu/en.html
Administration de l'Enregistrement, des Domaines et de la TVA (AED)
Tax authority managing VAT registration and tax compliance oversight. Shufti supports VAT certificate validation and tax identification number corroboration. Official Website: https://aed.gouvernement.lu/en.html
Ministry of Justice – Directorate for Combating Money Laundering
Coordinates national AML/CFT strategy and represents Luxembourg in FATF. Shufti's AML workflows align to Luxembourg's FATF mutual evaluation framework. Official Website: https://mj.gouvernement.lu/en/dossiers/2020/lutte-blanchiment.html
Ministry of Finance – International Financial Sanctions Authority
Implements international financial restrictive measures and publishes consolidated sanctions lists. Shufti screens against consolidated sanctions lists. Official Website: https://mfin.gouvernement.lu/en/dossiers/2018/sanctions-financieres-internationales.html
Deployment Choice
Microsoft Azure operates dedicated cloud infrastructure in Luxembourg with data centres in the Grand Duchy, ensuring data and metadata storage under EU Data Boundaries.
Regulatory Alignment
GDPR-aligned and compliant with Luxembourg Law of 5 April 1993 on the Financial Sector requiring minimum 5-year retention of electronic communications in connection with trading activities.
Retention Controls
Minimum 5-year AML data retention from end of business relationship under Law of 12 November 2004, with extended retention to 10 years available on regulatory authority request.
Encryption Posture
GDPR-compliant pseudonymisation and encryption; industry standard encryption (TLS 1.2+ communications, AES-256 data at rest) applied across transit and storage.
Data and Privacy Controls in Luxembourg
Luxembourg AML Sources That Strengthen Decision
National Assembly of Luxembourg
Commissariat aux Assurances
Luxembourg Police
Luxemburger Wort
RTL Luxembourg
Paperjam
National Assembly of Luxembourg
Commissariat aux Assurances
Luxembourg Police
Luxemburger Wort
RTL Luxembourg
Paperjam
National Assembly of Luxembourg
Commissariat aux Assurances
Luxembourg Police
Luxemburger Wort
RTL Luxembourg
Paperjam
National Assembly of Luxembourg
Commissariat aux Assurances
Luxembourg Police
Luxemburger Wort
RTL Luxembourg
Paperjam
Frequently Asked Questions
What is KYC and why is it required in Luxembourg?
KYC (Know Your Customer) is the process of verifying a customer's identity and assessing money laundering and terrorist financing risk, mandated in Luxembourg under the Law of 12 November 2004. It is mandatory for all financial institutions, payment providers and regulated professionals under CSSF supervision.
What is AML and why is it critical for Luxembourg compliance?
AML (Anti-Money Laundering) is the framework of laws, regulations and procedures designed to prevent the conversion of illegally earned money into legitimate-appearing assets. Luxembourg's AML regime requires all regulated entities to detect, report and block suspicious patterns.
What documents are required for KYC identity verification in Luxembourg?
For individuals: government-issued ID (national identity card, Carte d'Identité, or passport), proof of address, and additional documents for high-risk customers. For companies: RCS registration extract, beneficial owner declarations, VAT certificate, and articles of association where 25%+ ownership thresholds apply.
How long does KYC verification take in Luxembourg?
Verification time varies by complexity and due diligence level. Automated document verification typically completes in seconds; beneficial owner verification and enhanced due diligence may extend timeline depending on corporate structure and screening outcomes.
What is the difference between KYC and KYB?
KYC applies to individuals and verifies personal identity, address and risk profile. KYB (Know Your Business) applies to legal entities and verifies company registration, tax status, beneficial ownership structure and controlling persons.
What is enhanced due diligence (EDD) in Luxembourg?
EDD is mandatory for high-risk customers including politically exposed persons (PEPs), non-face-to-face relationships, and entities operating in high-risk jurisdictions. CSSF Circular 24/861 clarifies EDD triggers and required documentation escalation procedures.
What is a beneficial owner (UBO) and why must it be verified?
A beneficial owner (UBO – Ultimate Beneficial Owner) is any natural person who ultimately owns, controls or has significant influence over a legal entity. In Luxembourg, anyone with 25% or greater ownership stake must be identified and verified; this is mandatory under the Law of 12 November 2004.
How does CSSF regulate KYC and AML compliance in Luxembourg?
CSSF supervises all regulated financial professionals and issues circulars clarifying KYC/AML obligations. Circular 19/732 (amended by Circular 24/861) details beneficial owner identification procedures; CSSF conducts examinations and enforces compliance through supervisory actions.
What is the 5-year data retention requirement for KYC records?
Law of 12 November 2004 requires KYC records (identification documents, beneficial owner declarations, transaction monitoring notes and communications) to be retained for minimum 5 years from end of customer relationship; extended retention available on CSSF request.
How can I verify a Luxembourg company for compliance purposes?
To verify a Luxembourg company, retrieve its RCS (Trade and Companies Register) extract confirming incorporation and legal status; obtain beneficial owner information from the RBE (Register of Beneficial Owners); verify VAT number with the AED; confirm tax compliance status; conduct sanctions screening against the EU Consolidated Sanctions List and UN databases; review CSSF registration status if regulated.
Build a Luxembourg-ready KYC, KYB & AML programme with Shufti
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PROVEN WORKFLOWS
Use Cases for Regulated Growth in Luxembourg
Reduce Fraud Without Blocking Growth
Shufti supports marketplace integrity by verifying seller and buyer identities, enabling age-gated journeys where needed, and preserving evidence to support investigations, disputes, and risk-led enforcement actions.
Secure Trust at Every Transaction
Automate KYC and AML workflows to reduce manual onboarding costs. Strengthen residency checks while delivering the frictionless digital experience modern customers expect.
Scale Your Exchange with Confidence
Balance anonymity with compliance. Instantly verify user jurisdiction to meet Travel Rule obligations and help stop abuse without slowing down legitimate trading volume.
Accelerate Growth, Eliminate Friction
Onboard users in seconds, not days. Deploy tiered address verification flows that maximise completion rates for genuine users while filtering out synthetic fraud.
Onboard Global Traders in Real-Time
Verify investors across 250+ countries & territories. Ensure compliance with international financial regulations while preventing identity theft and high-risk chargebacks.
Power a Fair & Secure Player Experience
Reduce bonus abuse and multi-accounting rings at the door. Enforce location rules and trigger step-up checks without disrupting the player journey.
Build a Trusted, Verified Workforce
Screen freelancers and drivers at scale. Verify residency and reduce onboarding friction while maintaining trust between users.
Let’s Tailor your journey
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Market Positioning and Commercial Assessment
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Samer Al Tamimi@CEO of Safwa Bank
We take our client's privacy very seriously and always look for new innovative solutions to ensure a safe banking experience. Working with Shufti feels like a breath of fresh air, as their 100% in-house tech keeps our customer's data free from vulnerabilities and fully safe and protected.
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