The right online business account partner to power your growth.

XGD supports you at every stage—from pre-incorporation, to early-stage startup, all the way to global scaling.

Open an account

Local IBAN with full functionality, multi-currency support, and FX

✦ LU/DE/DK/NL IBAN
✦ Smooth SEPA/SWIFT/Target2 transfer
✦ Global FX & Remittance Network
✦ Capital participation Account and Blocking Certificate are supported

Fast onboarding in 1-3 days

✦ Complete real human verification in just 5 minutes — no interview required
✦ Supporting Non-EU Resident Directors
✦ No document translation required

VIP customer service (no AI or chatbots)

✦ A dedicated client manager and operation manager always by your side to support your business growth
✦ Book an appointment now for a coffee chat with us in the center of Luxembourg

100% Web and APP experience

✦ Easy-to-use interface with a clear analytic dashboard
✦ Integrate your account easily with your SaaS and accounting tools to streamline global payments

Simple, transparent, single-fee structure

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Exceptional Value

Free Services

We offer full operational support all below services are free.

€ 0.00 COST

✦ Internal Transfer Amount 2 XGD EU accounts
✦ Access to all the services and platform
✦ Transactions/account notifications
✦ Account Top-up
✦ PIN code change
✦ Transactions due diligence
✦ IBAN Account certificate
✦ Secured client manager feedback within 30 minutes, in English, French, Chinese, and German etc.

Transaction Fees

Outgoing

€ 2.00 / txn

SEPA

0.30%

Min €30 - Max €300 Per transaction

International

Incoming

0.30%

Per transaction

All

Account & Admin Fees

Standard Costs

€ 100.00 /month

Monthly Account Maintenance Fee

€ 500.00

Opening IBAN LU Account

€ 1000.00

Opening IBAN (DE+LU) Or (DE+DK)

We offer customized pricing solutions for our clients.

Industries and Partners

Whether you are a startup or an established player in Europe, you can find your solutions at XGD.

High-Tech Companies Expanding Globally

We provide innovative technology companies with multi-country, multi-currency IBAN accounts and support, simplifying account opening, payment / collection, and financial management. This accelerates the global expansion and market entry of listed and growing companies in Europe.

High-Tech Manufacturer: A leading automotive cockpit company based in Stuttgart, Germany, uses our German IBAN to receive Euro payments from European distributors. By leveraging low-cost foreign exchange conversion to pay supplier factories in Asia, they improved capital turnover efficiency by 40%.

Green Energy Enterprise: A listed group company, when establishing its Berlin subsidiary, efficiently finished incorporation with the capital injection account and balance certificate provided by XGD. When establishing its Luxembourg holding company, finished incorporation smoothly with the blocking certificate.

E-commerce Sellers

We provide dedicated local IBAN accounts for e-commerce sellers, enhancing platform collection efficiency, mitigating third-party payment risks, and facilitating easy multi-platform fund aggregation and supplier payments.

OTTO Sellers: A top clothing brand uses our German IBAN to receive sales proceeds from the Otto platform. By utilizing SEPA Direct Debit functionality, they quickly pay freight charges to logistics companies, significantly accelerating fund flow.

Import and Export Trading Companies

Bulk International Transactions: An engineering equipment import/export company uses our account to receive large wire transfers from clients. Our dedicated account managers assist with transaction reviews to ensure compliance with international regulations, guaranteeing secure fund receipt.