🛃 Must I declare €10,000 or more in cash at the border?

Yes

Quick answer

Yes, from €10,000, and even to go to France, Belgium or Germany. The myth that catches cross-border commuters: believing that inside the European Union no declaration is needed. False in Luxembourg. The law of 16 July 2021, completing Regulation (EU) 2018/1672, requires you to declare to the Customs and Excise Agency (ADA) any movement of cash equal to or above €10,000 — whether you enter or leave the Grand Duchy, towards an EU country (intra-EU) as well as a non-EU country (extra-EU). Covered are cash, bearer-negotiable instruments, gold coins (≥ 90%) and bullion (≥ 99.5%); jewellery and bank transfers are not. The declaration is made before the journey, now online via MyGuichet.lu. Failure or a false declaration: a fine of €251 to €25,000 and possible confiscation.

📋 The rules

Any movement of cash ≥ €10,000 (or equivalent), on entering as on leaving Luxembourg, must be declared to the ADA.
The obligation applies to intra-EU trips (France, Belgium, Germany…) as much as extra-EU ones; the forms differ by case.
Covered are cash, bearer-negotiable instruments, gold coins (≥ 90%) and bullion (≥ 99.5%); jewellery and bank transfers are excluded.
The declaration must be made beforehand; unaccompanied cash (parcels, freight) is subject to a disclosure.
Since 9 July 2026, the declaration can be filed online via MyGuichet.lu.

🔓 Exceptions

Below €10,000, no declaration is required, but the ADA may still carry out a check.
Interbank transfers are not subject to the ADA declaration obligation.
Jewellery, diamonds and other precious stones do not count as cash to be declared.

⚠️ Penalties & fines

The sanction is twofold and swift. Failure to declare or a false declaration is punishable, under article 14 of the law of 16 July 2021, by a fine of €251 to €25,000, to which a partial confiscation of the cash may be added. Providing incorrect or incomplete information is treated as no declaration at all. But the stakes go beyond the fine: the obligation is part of the fight against money laundering and terrorist financing. An undeclared sum can be held during an investigation, passed to the financial-intelligence unit, and the origin of the funds will have to be justified. A commuter crossing daily with significant cash, or someone carrying the proceeds of a sale, therefore has every interest in declaring, even where the funds are perfectly lawful. ADA officers may carry out checks at any time and anywhere in the territory, including far from the border.

📎 Official sources

Last verified: 2026-07-12

❓ Frequently asked

Must I declare €10,000 in cash if I am only going to France?

Yes, in Luxembourg the obligation also covers trips inside the European Union. Whether you head to France, Belgium or Germany, from €10,000 carried you must declare the sum to customs before setting off.

From what amount is a declaration required?

The threshold is €10,000, or the equivalent in foreign currency, per person carrying the cash. Below it, no declaration is required, even though customs officers keep the right to stop you and check the cash carried.

Do gold and travellers cheques count?

Yes, gold coins of at least 90% and bullion of at least 99.5%, like bearer-negotiable instruments such as travellers cheques, are subject to declaration. Jewellery and precious stones, by contrast, are not included.

What is the penalty for forgetting to declare?

Failure or a false declaration is punishable by a fine of €251 to €25,000, with possible partial confiscation of the cash. The sum can also be held while the origin of the funds is checked under anti-money-laundering rules.

How is the declaration actually made?

The declaration must be filed before the journey, now online via MyGuichet.lu, or using the ADA form. A separate form exists depending on whether the trip is intra-EU or extra-EU and whether the cash is accompanied or not.

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