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Abstract: „The financial literacy of citizens has become a major issue over the past decade in many developed and underdeveloped countries. The notion of financial literacy is, however, multidimensional, and in this study it is defined as a set of financial knowledge, skills, attitudes, and behaviors. We also explain the relevance and importance of financial literacy for individuals and society, and its main determinants. We show why the financial culture of French cross-border commuters working in Luxembourg is theoretically likely to evolve due to their position as cross-border commuters in Luxembourg. We present the results of a questionnaire that we administered in order to assess the financial culture of citizens from Lorraine (Moselle, Meurthe et Moselle), both cross-border workers and non-cross-border workers. The results indicate no difference between the two groups in terms of financial attitudes and behavior. However, cross-border residents have less financial knowledge and skills, which we explain by a cultural differentiation between the two.“