Luxembourg Legal interest rate (taux d'intérêt légal)
Luxembourg Legal interest rate (taux d'intérêt légal) is 3.75 percent, in force since 1 Jan 2026. Last checked against the official source on 10 Aug 2026.
Luxembourg's general legal interest rate: fixed for each calendar year by règlement grand-ducal under the amended law of 18 April 2004 — 3.75% for 2026.
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| Current value | 3.75 percent |
|---|---|
| In force from | 2026-01-01 |
| Official source | Ministère de la Justice, Taux d'intérêt légal: the rate for contracts between a professional and a consumer and 'pour les autres cas' is 3,75 % for 2026, 'fixé depuis 2004 par règlement grand-ducal sur base de la loi modifiée du 18 avril 2004 relative aux délais de paiement et aux intérêts de retard'; set by the Règlement grand-ducal du 12 décembre 2025 (Journal officiel A n° 559 du 12 décembre 2025) |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
One general legal rate, fixed for a whole calendar year and applying where interest is owed on a money debt without an agreed rate — including between a professional and a consumer, and in 'les autres cas'. Setter: règlement grand-ducal published in the Journal officiel (formerly Mémorial A), taken under art. 14 of the amended law of 18 April 2004 relative aux délais de paiement et aux intérêts de retard, which directs that the rate be fixed for the calendar year by reference to the rates actually charged by banks; the 2026 figure of 3.75% was set by the règlement grand-ducal of 12 December 2025 on the basis of average bank rates at 30 September 2025 (3.08% on housing credit, 4.64% on consumer credit). DO NOT CONFUSE WITH THE COMMERCIAL RATE: late payment on commercial transactions runs at the marginal reference rate plus 8 percentage points, republished at the start of each SEMESTER in the Journal officiel administrative recueil (formerly Mémorial B) and standing at 10.15% — a different figure, a different publication, a different cycle, and it is served in our late-payment-interest product. NEXT FIXING: règlement grand-ducal in December 2026, effective 1 January 2027. Retrieval note: the Legilux ELI pages render as a single-page app and return no text to automated fetchers — read the Ministry of Justice rate page or the PDF edition of the règlement instead.
Get it programmatically
curl https://euroref.dev/v1/lu/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://euroref.dev/v1/lu/statutory-interest/history?from=2020-01-01
# Provenance: curl https://euroref.dev/provenance/lu/statutory-interestOther Luxembourg series: Policy interest rate · Value added tax (TVA) · VAT registration threshold · Social minimum wage (salaire social minimum) · Public holidays · Consumer price index (annual inflation, HICP) · Corporate income tax (aggregate) · Withholding tax rates · Personal income tax · Statutory social-insurance contributions · ECB main refinancing operations rate (fixed rate) · Late-payment interest (EU Late Payment Directive)
The same figure elsewhere: Malta · Netherlands · Norway · Poland · Portugal · all 34