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Payment solutions

BIL offers a wide range of solutions for optimising and protecting cash flows while cutting down on paperwork.

Online banking solutions

Online banking provides a number of benefits!

  • Time savings and responsiveness: by means of a simple Internet connection, you can access all the relevant information about all your accounts and quickly make transfers 24/7.
  • Ease of use: you can manage all your accounts, including international transactions, simply and securely.
  • Fees: you enjoy attractive terms for a number of services.

BIL offers you highly practical solutions:

  • BILnet Pro: the BILnet Pro Internet platform enables the processing of transactions that require approval by multiple users based on their authorisation limits. This is the case in particular for transfers that require management authorisation (payroll, payments to suppliers, etc.).
  • MultiLine: you have direct access to all your professional accounts with BIL and in other banks in Luxembourg. This platform makes managing your organisation's finances easier and enables you to make use of bank files in your management tools.

Please contact your BIL Relationship Manager to find out more about our online banking solutions.

SEPA and SWIFT solutions

BIL offers a wide range of solutions for optimising and protecting cash flows while cutting down on paperwork:

Domestic transfers

SEPA European payment services:

  • Cash flow management: Cash inflows, payments and transfers in euro to and from the SEPA zone countries (28 EU member states, Norway, Iceland, Switzerland, Monaco and Lichtenstein).
  • SEPA European direct debits for making payments to your usual providers by automatic direct debit within a specified deadline.
  • SEPA Credit Transfers enable you to collect payments from clients or utilities in a secure and standardised manner.

International payment services:

  • Secure cash payments or transfers, in euro or in other currencies, in almost any country in the world thanks to a major network of international correspondents.

Access to the SWIFT system using your own access (SWIFT Member) or via MA-CUG BIL

BIL is a member of CLS and of all the European and Swiss clearing systems (EBA, SIC, Target2 and Step2). BIL is also a SWIFT Member-Concentrator.

Cash pooling solutions

How can cash management be optimised and simplified within your organisation in Luxembourg and internationally?

BIL offers you BIL Cash Pooling, an efficient global cash centralisation solution (zero-balancing).

The principles are simple:

  • All the contracting entities' cash positions are consolidated in one single account.
  • The debit positions of certain entities are offset against the others' credit positions.
  • Account pooling (repatriation or clearing) is carried out daily.

This solution offers several benefits:

  • Optimise cash management across lines of credit. Financial fees automatically decrease.
  • Improved cash management of participating entities through centralising of operations.

Your Relationship Manager will introduce you to this offering and customise it according to your requirements.