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Managing day to day finances

From regular monitoring of accounts through to setting up bank guarantees, BIL offers professional and self-employed individuals a wide range of effective solutions.

  • Online banking to manage accounts remotely and quickly carry out day-to-day banking transactions.
  • Fully secure payment solutions for professional purchases (bank cards, direct debit, standing orders, national and international transfers).
  • Systems for easy and secure collections (European direct debit, electronic bank card payments, cash deposits).
  • A full range of bank guarantees

BIL can also offer you banking packages on preferential terms: Pro Medico for doctors and Pro Legal for self-employed legal professionals.

Phone: +352 4590-5000

Online banking solutions

  • Time savings and responsiveness : by means of a simple Internet connection, view all the relevant information about your professional accounts and quickly make transfers 24/7.
  • Ease of use : manage all your banking transactions, including international transactions, simply and securely. You can also track stock market prices and place orders online.
  • Fees : enjoy attractive rates for a number of services.

In practice, BIL offers you the following :

  • BILnet Pro: The BILnet Pro Internet platform gives you access to all your BIL bank accounts and enables you to carry out all your banking transactions.
  • MultiLine : Multiline is a multi-bank online tool for businesses. You have direct access to all your professional accounts held at Luxembourg banks.
  • BILnet Mobile: BIL's mobile banking solution enables you to manage bank accounts remotely using your smartphone.

With LuxTrust certificates (Smartcard, Signing Stick or Token), you have the perfect solution for accessing the various applications and for logging in and signing documents or bank transactions electronically (account view, transfers, payment transactions in Luxembourg and abroad, online investments, etc.).

If you would like to take advantage of BIL's online banking solutions, please get in touch with your Relationship Manager now.

Managing your spending

BIL offers a wide choice of highly secure payment solutions for professional purchases.

Business bank cards

BIL particularly recommends BIL Visa Business and BIL Visa Business Gold credit cards from its range of bank cards for business use.

These cards offer a number of advantages:

  • Payment at millions of retailers in Luxembourg and worldwide.
  • Cash withdrawals in Luxembourg and abroad.
  • Simplified accounting by avoiding the need to pay for business expenses using your private card.
  • 24/7 monitoring of transactions and balances on BILnet.
  • Preferential assistance and insurance services for your business travel.

Payments using your BIL account

BIL offers you a full range of payment solutions for easier day-to-day banking :

  • The new SEPA European direct debits for making payments to your usual providers by automatic direct debit within a specified deadline. For a detailed breakdown of how this product works, download our SEPA Direct Debit brochure.
  • Standing orders : a standing order instructs BIL to pay, on a specific date and from your current account, the same amount into the same beneficiary's account. This solution is particularly suited to fixed recurring costs such as property rental or lease payments.
  • National and international transfers within the European Union: Transfers in favour of any Luxembourg or European account identified with an IBAN code are made within one day on average in Luxembourg and within three days at the latest outside Luxembourg.
  • International transfers for secure transfers in euro or in a foreign currency into foreign bank accounts.

To carry out or view these transactions easily and cost-effectively, use the BILnet or Multiline online banking platforms.

Managing collections

BIL offers you a range of effective solutions for optimising, protecting and centralising collection flows while simplifying the paperwork.

  • European direct debits: SEPA-format European direct debits enable you to collect client payments in a secure and standardised manner (no difference between national and foreign clients).
  • Electronic bank card payments (V-PAY, Maestro or Visa): this system makes accounting easier and helps your clients by making payments more convenient.

As part of the support we provide you, we put you in contact with companies that specialise in payment systems and with electronic terminal suppliers.

  • Cash deposits  : BIL provides you with a network of ATMs which enable you to securely deposit cash both day and night.

For complete security, you can also delegate cash transportation to a specialised BIL partner.

Your BIL Relationship Manager is there to advise you on setting up collection management solutions.

Bank guarantees

To guarantee execution of your contractual obligations, you will be able to offer your partners solid bank guarantees.

BIL will commit itself and provide a bank guarantee in a variety of situations :

  • Performance bond: it provides your client with a guarantee that the purchase order will be honoured as specified and in accordance with the contract.
  • Guarantee of refund of deposit for deposits paid in advance by your clients.
  • Rent deposit in favour of the landlord of a property of which you are the tenant.
  • Completion bond: this provides the buyer of a property under construction with a guarantee that the work will be completed if the developer defaults.
  • Guarantee of release of retention bond in favour of a client.
  • Loan cover guarantee: this guarantees the repayment of a loan taken out with another bank.
  • etc.

To find out more about bank guarantees, please contact your BIL Relationship Manager.