Luxembourg · Guide
How to find a lost Luxembourg pension from abroad
Luxembourg's state pension is administered by the Caisse nationale d'assurance pension (CNAP), which holds a central contribution record under your matricule (national ID). MyGuichet.lu is the government's digital gateway for CNAP and other administrative services. Occupational (2nd pillar) pensions sit outside CNAP with the insurer or pension fund each employer chose. Given how many workers cross the Luxembourg border daily, the trace almost always intersects with a French, Belgian, or German record, EU coordination applies.
The official route
CNAP + MyGuichet. cnap.public.lu
CNAP is the correct entry point for state pension records and calculations. From abroad, MyGuichet.lu, see guichet.public.lu , is the digital gateway; authentication uses LuxTrust or the eID card. CNAP handles cross-border coordination under EU regulation with the border countries directly.
Occupational 2nd pillar pensions are not centralised on CNAP or MyGuichet. Each employer's chosen insurer or pension fund holds the record, and there is no member-facing register that consolidates them.
What this route can and cannot do
Route verdict: HUMAN-ONLY
MyGuichet with valid credentials is the fastest first look at the state side. The 2nd pillar side requires identifying each former Luxembourg employer's chosen provider, no central register. Cross-border workers also need to reconcile the Luxembourg record with the neighbouring country's system when they claim. PensionHunter does this as prepare-and-guide, with a complete request pack at the Enhanced Pension Identification Report tier, written and ready for the customer to send under a signed Information Request Authority.
Steps you can take yourself
- Find your Luxembourg matricule (national ID number), 13 digits, on any Luxembourg payslip or CNS card.
- Try MyGuichet.lu with LuxTrust or eID; if access works, request the CNAP career statement.
- If MyGuichet access has lapsed: write to CNAP directly for the état de compte (account statement).
- For 2nd pillar occupational pensions: contact each former Luxembourg employer for the pension provider (insurer or fund) and request the individual entitlement.
- For cross-border workers, request statements from the border country's system too (CNAV / Agirc-Arrco in France; SFP in Belgium; DRV in Germany), CNAP will coordinate on the claim itself.
Where the DIY route stalls
- LuxTrust from abroad, LuxTrust tokens and mobile-app identity often lapse when the member's Luxembourg number changes; postal is the fallback.
- 2nd pillar decentralised, no register; identification is employer-by-employer.
- Cross-border complexity, most Luxembourg careers include French, Belgian, or German legs that must be reconciled.
- Small balances, short-service occupational entitlements from cross-border postings are commonly overlooked.
- EU totalisation, coordinated by CNAP when you claim, not before.
Where PensionHunter fits
For Luxembourg traces, PensionHunter's role is bounded and honest:
- CNAP (state): prepare-and-guide the MyGuichet or postal CNAP request from abroad.
- 2nd pillar (occupational): in the Country Pension Identification Report, we identify the pension provider per former employer. In the Enhanced Pension Identification Report, we prepare a complete request pack for each identified provider, written and ready for you to send under your signed Information Request Authority. The deliverable is your Action Pack.
The CNAP statement, the 2nd pillar balances, and the totalisation calculation always stay with CNAP or the provider. PensionHunter identifies where each sits.
If your career spanned Luxembourg plus other countries, the multi-country search covers every jurisdiction we operate in for a single fee.
Related guides
Frequently asked
Can I use MyGuichet.lu from outside Luxembourg?
Yes with valid LuxTrust or eID credentials. Where these have lapsed, a postal request to CNAP is the fallback.
Are Luxembourg 2nd pillar pensions on MyGuichet?
No. 2nd pillar entitlements sit with each employer's chosen insurer or pension fund; there is no consolidated view.
How does cross-border coordination work?
For French, Belgian, or German cross-border legs, CNAP coordinates with the counterpart system under EU regulation when you claim.
What does PensionHunter deliver at the end of a Luxembourg search?
The identified 2nd pillar provider per former employer and (at Search) the complete request pack for each, assembled as your Action Pack. For CNAP, prepare-and-guide support.
From $99. Full refund if we find nothing material. See pricing.
This article is for informational purposes only and does not constitute financial advice.
PensionHunter operates consumer pension search across 41 active countries, with worldwide expansion underway. We also trace lost pension members worldwide on behalf of pension schemes, funds and trustees, see /trustees.