Donneschdeg, 8 Oktouber.
When you're a Korean-born American Fulbrighter who wants to open a Luxembourgish student bank account, what can go wrong? Answer: everything.
But let's back up. As an unofficial step in my ongoing quest for Luxembourgish residency, I needed to open a Luxembourgish bank account. This is not an actual legal requirement for residency, but rather makes it possible for Fulbright Belgium to transfer my grant stipend every month. In theory, opening a bank account in Luxembourg is hardly a complicated process. There are entire websites full of lists of Luxembourgish banks: see
Banking in Luxembourg from Expatica or
Banks & Banking from AngloInfo. (Not to mention the fact that Luxembourg basically has more banks than it does people.) Although I put off going to the bank until finishing the rest of my paperwork and attending Fulbright Orientation, I had to get around to it eventually.
Why yes, I am in need of independence! And, more importantly, money.
So a few weeks ago, I gathered any and all relevant documents that I could think of and headed to the bank. Faced with a rather overwhelming number of choices, I decided to go with the Banque Générale du Luxembourg (BGL). Since 2009, BGL has been part of BNP Paribas, one of the largest banks in the world with ATMs on every corner of Luxembourg, Belgium, and France. All I had to do was walk in and ask for a student checking account!
Except that -- of course -- it wasn't that simple. As you've probably figured out, there's no easy way to define my status in this country. To the people processing my residence permit application, I'm an international student enrolled at the University of Luxembourg. (They don't have a visa option for "Americans teaching Luxembourg but getting paid by an American organization located in Belgium" ... go figure.) To the people I meet in Luxembourg, I'm a (very youthful) English teacher. Even to my housemates, I'm a sort of student/teacher hybrid here on an academic exchange. It's really only my supervising teachers and Fulbright connections who know the truth and fully understand the program. As you can imagine, the prospect of explaining this situation to a bank employee was more than a little daunting. Ultimately, I decided on what I hoped was a simple and relatively accurate explanation: "I am an American enrolled at the University of Luxembourg and I need a Luxembourgish bank account in order to receive my stipend from the United States."
Sounds good, right? Right. Except that I used the word
bourse -- scholarship. And apparently in Luxembourg, all scholarships are processed through a certain organization that provides certain paperwork and, of course, I had none of that.