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# Why is the Luxembourg Tax Authority (ACD) now asking for my bank details?

The ACD has tightened its verification procedures for tax refunds. From now on, taxpayers must provide **official proof** of their bank details.
This measure is designed to secure transfers and prevent errors or fraud during refunds.

### What documents does the ACD accept?
The ACD only accepts two types of documents:
* **A Bank Account Statement (RIB)**: an official document issued by your bank (Luxembourg or foreign) showing your name, IBAN and BIC/SWIFT code. You can usually download it easily from your bank's online portal.
* **A Bank Confirmation Letter (BCL)**: a document issued by your bank confirming you're the account holder.

### What documents are rejected?
The ACD tax offices do **not** accept:
* Screenshots
* Copies of credit or debit cards
* Simple bank statements
Only an official RIB or BCL counts as valid proof of your bank identity.

### How do I send my bank details to the ACD?
You have several options:
1. **By email or post**: Send your RIB/BCL directly to the relevant tax office.
2. **Via the contact form** on the ACD website.
3. **Online via MyGuichet.lu**: Use the "IBAN declaration or change" service in your secure space. You'll need a LuxTrust product or a Luxembourg electronic ID card (eID) to sign electronically.

### I'm a cross-border worker, does this apply to me?
Yes! Whether you're a Luxembourg resident or a cross-border worker from France, Belgium or Germany, the ACD now requires bank proof for all refunds. Your IBAN can be from a Luxembourg or foreign bank.

### What if I'm married or in a civil partnership?
* **Joint account**: Provide an RIB or BCL for the couple's joint account.
* **Individual account**: If the refund should go to one partner's personal account, you'll need to provide that account's RIB **plus** written authorisation from the other partner.
* **Separation or divorce**: The ACD will calculate each person's share and make separate refunds to each account.

### What happens if I don't provide bank details?
Without valid bank details, the ACD cannot process your tax refund. Your refund will stay on hold until they receive a valid RIB or BCL.