Fortuna Banque s.c. products, services and reviews

About Fortuna Banque s.c.

Fortuna Banque s.c. is a Luxembourg cooperative bank (société coopérative) that focuses on day‑to‑day retail and small business banking, offering current accounts, savings and term deposits, payment cards, overdrafts, and standard lending such as mortgages and consumer or professional loans. Accounts are provided in euro with IBANs for SEPA transfers and direct debits; cross‑border payments via SWIFT are typically available with separate charges. Digital access includes online and mobile banking with strong customer authentication in line with PSD2, while branch coverage is modest compared with the country’s largest banks, which may matter for clients who prefer in‑person onboarding or cash services. Fee schedules are published and cover account packages, cards, domestic and international transfers, and ancillary services; pricing is in line with market practice but depends on usage and chosen options. As a cooperative, the institution operates under Luxembourg cooperative law with a member‑based ownership structure, though everyday products function like those of other retail banks. The bank is supervised by the Commission de Surveillance du Secteur Financier (CSSF). Eligible deposits are protected by the Luxembourg deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg, FGDL) up to €100,000 per depositor per bank, with separate investor‑compensation rules applying to eligible investment services. Account opening requires standard identification and documentation of residence and income; acceptance of non‑resident clients is subject to policy and due diligence. Interest rates on savings and loans follow market benchmarks and internal pricing, with fixed or variable options available for credit. The offering suits customers who need straightforward banking in Luxembourg and can work with a smaller branch network and a conventional, function‑first digital experience.