Cookie Policyhttps://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=1Cookie PolicyCookies are used to ensure that BIL's online services work correctly. By not disabling cookies you are consenting to their use on your computer.1

/PublishingImages/site-particuliers/header-offresdediees.jpg

Dedicated offers

With BIL, you make the right choices for making the most of your personal situation.

A relationship manager is dedicated to each of our clients. The relationship manager is available to advise you on your private plans (wealth management, property purchases, tax management, retirement savings).

With your interests at heart, the relationship manager offers you guidance by drawing on the experience and expertise of BIL's teams and its specialist partners: Private banking, leasing, insurance, tax management, etc.

Your BIL relationship manager is your dedicated point of contact for all your banking and financial needs.

 

 

Billy Club (0-11 years old)https://www.bil.com/en/individuals/dedicated-offers/billy-clubBilly Club (0-11 years old)<!-- section : 1 --> <div data-section="Billy account" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Benefits offered by the Billy account</h2> <h3 class="title-4">With a Billy account, building up savings for your child couldn’t be easier!</h3> <p>You can open a Billy account on your child’s behalf from birth and until their 12th birthday. The Billy account allows your child to boost their savings from a very young age. </p> <h3 class="title-4">Special offer: 50 euro gift!</h3> <p>You will receive a EUR 50 gift from BIL when your child is born (funds deposited in a Billy account opened in their name)</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Attractive returns</strong>: preferential interest rate</li> <li><strong>Easy to use</strong>: it’s really easy for you, your friends and family to make regular or one-off payments to the Billy account.</li> <li><strong>Secure savings</strong>: the funds and the interest is frozen in your child’s best interests until they reach majority.</li> <li><strong>An account that grows with them</strong>: on your child’s 12th birthday, their Billy account will become a B-Young Savings account that they will be able to pay their own savings into.</li> <li><strong>Getting to grips with finance</strong>: the Billy account offers your child a way of learning about money and savings.</li> </ul> <p>By opening a Billy account, you will also be giving your child access to the Billy Club!</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-BillyClub_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 1 --> <div data-section="New! Deposit card" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Billy Club deposit card</h2> <p class="title-1-description">Teach your child about saving</p> <p>This free V PAY Servicard allows you to deposit banknotes into your child’s savings account 24/7. You can give your child the card with complete peace of mind, as withdrawals, transfers and payments are not permitted.</p> <h3 class="title-3">How?</h3> <ul class="list-check"> <li>Go to one of our <a href="/en/individuals/Pages/contact.aspx#localisateur">Servibank + ATMs in Luxembourg</a></li> <li>Insert your BIL bank card</li> <li>Enter your PIN</li> <li>Choose the deposit function</li> <li>Select the account to credit</li> <li>Deposit the banknotes</li> <li>Once the banknotes have been counted, check and confirm the amount on-screen</li> <li>Add an optional message</li> <li>Collect your receipt; your deposit is booked in real time</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-BillyClub_Depot.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordeon --> <div data-section="Billy Club" class="section-default is-silver"> <div class="page-wrapper"> <h1 class="title-1"> Discover all the advantages of the Billy Club!</h1> <p>All children under 12 who are BIL account holders become members of the Billy Club. Pick up a membership card in-branch to reap all the rewards the Billy Club has to offer and your child will also receive a <strong>welcome gift</strong>! Billy Club members have access to <strong>fixed discounts and special offers with our partners.</strong> They will also have access to competitions organised by BIL, gifts and special events.</p> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Optician New Look</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/newlook.jpg" alt="" style="width: 200px;"></p> <p><a href="http://www.newlook.lu" target="_blank">http://www.newlook.lu</a>.</p> <h4 class="title-4">Where ?</h4> <p>Schifflange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>15% on glasses (frames + glasses)</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Sport Team</h3> <div class="list-accordion-content"> <p>Sport Clothes</p> <h4 class="title-4">Where ?</h4> <p>Schifflange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>20% off across the store</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Bakery O Ribeiro</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/oRibeiro.png" alt="" style="width: 200px;"></p> <p>Bakery, confectionery and sandwich shop</p> <h4 class="title-4">Where ?</h4> <p>Athus (Belgium)</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>100g candy</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Restaurant Pokhara</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/restaurant%20pokhara.JPG" alt=""></p> <p>Indian and Nepalese cuisine - <a href="http://www.restaurantpokhara.com/" target="_blank">www.restaurantpokhara.com</a>.</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>a scoop of ice cream</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Restaurant Au Gourmet</h3> <div class="list-accordion-content"> <p>French cuisine with some Croatian and Luxembourg specialties</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>A soft drink offered to choose from with a children's menu</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Brëllebuttek beim Alain - Optician Alain Schrank</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/brellebuttek.jpg" alt=""></p> <p><a href="http://www.brellebuttek.lu" target="_blank">www.brellebuttek.lu</a>.</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>-20% on glasses and sunglasses</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">ESTESS – Tennis school</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/estess.jpg" alt=""></p> <p><a href="http://www.estess.org" target="_blank">www.estess.org</a></p> <h4 class="title-4">Where ?</h4> <p>Kockelscheuer</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>-10% on tennis lessons at CK Sportcenter Kockelscheuer</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Les Mômes - Clothing store</h3> <div class="list-accordion-content"> <p>A treasure trove of clothing for children up to 18 years old! Find the biggest brands and the latest fashions in a friendly setting where the whole team is there to help. </p> <h3 class="title-4">Where?</h3> <p>Rodange</p> <h3 class="title-4">Billy Club offers:</h3> <ul class="list-check"> <li>15% off across the store</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Parc Merveilleux - Amusement park</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Logo-Parc-Merveilleux-transpar.jpg" alt=""></p> <p>Parc Merveilleux is the only theme park in the Grand Duchy of Luxembourg. Come and discover animals from all over the world, amazing play parks, a maze and even animatronic fairy tales! For more information <a href="http://www.parc-merveilleux.lu/index.php/fr/" target="_blank">http://www.parc-merveilleux.lu</a>.</p> <h3 class="title-4">Where?</h3> <p>Bettembourg</p> <h3 class="title-4">Billy Club offers:</h3> <ul class="list-check"> <li>-16%</li> </ul> </div> </li> </ul> </div> </div> <!-- section : expand --> <div data-section="Saving" class="section-default"> <div class="page-wrapper"> <h1 class="title-1">Discover our other savings solutions for children !</h1> <p>In addition to the Billy Account, BIL offers three straightforward, attractive savings solutions. They will enable you to build up a capital reserve for your child while enjoying certain tax benefits.</p> <p>Special offer: EUR 50 for a BIL Kids Future or Flexicav savings plan opened on the birth of your child (until the child's 2nd birthday).</p> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">BIL Kids Future</h3> <div class="list-accordion-content"> <p>BIL Kids Future is a life insurance plan that combines security, flexibility, tax benefits and returns.</p> <p><a class="btn-arrow" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/youth-savings.aspx">More information</a></p> </div> </li> <li> <h3 class="list-accordion-title">Wüstenrot mortgage savings scheme</h3> <div class="list-accordion-content"> <p>The Wüstenrot mortgage savings plan allows you to plan for the future real estate projects of your children, while enjoying attractive tax benefits.</p> <p>You may also use the savings to finance other projects (buying a car, funding studies, etc.) while retaining the tax benefit if the mortgage savings plan has run for at least ten years. <p><a class="btn-arrow" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx">More information</a></p> </div> </li> <li> <h3 class="list-accordion-title">Flexicav investment fund savings scheme</h3> <div class="list-accordion-content"> <p>Flexicav is an investment fund savings scheme (BIL SICAV) using the financial markets to boost your savings.</p> <ul class="list-check"> <li>You do not incur any charges or entry fees for SICAVs.</li> <li>Your funds remain accessible at all times.</li> <li>You can save for your child at your own pace and at your desired level of risk.</li> <li>Your relationship manager can offer you advice tailored to you.</li> <li>You credit Flexicav by standing order from your current account or savings account</li> <li>Your payments buy investment fund shares deposited in a securities account.</li> <li>The number of shares you buy in each transaction depends on how much your payments are going to be and on the net asset value of the shares..</li> <li>All you have to do is call in at a branch to open a Flexicav savings plan</li> </ul> </div> </li> </ul> </div> </div> <!-- section : contact --> <div data-section="How to apply?" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply ?</h2> <p class="title-1-description">Get in touch with your relationship manager to consider all the solutions designed with your child in mind.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>
B-young (12-17 years old)https://www.bil.com/en/individuals/dedicated-offers/b-youngB-young (12-17 years old)<script> jQuery(document).ready(function($){ //open popup $('.cd-popup-trigger').on('click', function(event){ event.preventDefault(); $('.cd-popup').addClass('is-visible'); }); //close popup $('.cd-popup').on('click', function(event){ if( $(event.target).is('.cd-popup-close') || $(event.target).is('.cd-popup') ) { event.preventDefault(); $(this).removeClass('is-visible'); } }); //close popup when clicking the esc keyboard button $(document).keyup(function(event){ if(event.which=='27'){ $('.cd-popup').removeClass('is-visible'); } }); }); </script> <!-- section : 1 --> <div data-section="Advantages" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Advantages</h2> <p>Do you want greater freedom in how you spend your money or maximum security for your savings?<br>BIL has a range of free products and services on offer exclusively for under 18s:</p> <ul class="list-check"> <li><strong>Youth interest-bearing current account</strong></li> <li><strong>Youth savings account with a preferential rate</strong></li> <li><strong>V PAY Graffiti debit card free of charge</strong></li> <li><strong>The BILnet client area</strong> can be accessed on computers, tablets or smartphones</li> <li><strong>The BILnet mobile app</strong> for secure access to the BILnet client area or instant, token-free access to the main functions through QuickBanking<sup>TM</sup></li> <li><strong>The Digicash app</strong> to transform your mobile into a real means of payment</li> <li><strong>Savings solutions and tax benefits</strong></li> <li><strong>Special offers and discounts</strong>on your social outings and leisure activities all over Europe</li> <li><strong>Prizes to be won</strong> all year round</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="B-Young account" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Youth current account</h2> <p>Your first current account for hassle-free money management</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Interest-bearing current account</strong></li> <li><strong>Non-frozen account</strong> : you can use it freely to make purchases.</li> <li><strong>No nasty surprises</strong> : overdrafts are not authorised for this current account.</li> <li><strong>Getting to grips with finance</strong> : manage your money securely with complete freedom.</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Comptesenligne_EN.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Youth Savings account</h2> <p>The ideal solution for your savings</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Attractive returns</strong> : preferential interest rate</li> <li><strong>Easy to use</strong> : it’s really easy for you, your friends and family to make regular or one-off payments to the B-young account.</li> <li><strong>Secure savings</strong> : as a rule, the capital and interest is frozen until your 18th birthday</li> <li><strong>An account that grows with you</strong> : the B-young Savings account becomes the Youth Savings Plus account when you turn 18.</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_003.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 4 --> <div data-section="V PAY Graffiti" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">V PAY Graffiti</h2> <p>The completely free card reserved for under 18s!</p> <ul class="list-check"> <li><strong>A real debit card</strong> : withdrawals from Servibank+ ATMs and all V PAY ATMs in Luxembourg and Europe. Payments in Luxembourg and Europe.</li> <li><strong>Easy to use</strong> : you can use this card to check your account balance at any time. This information as well as the most recent transactions made can also be accessed in the BILnet client area.</li> <li><strong>Secure transactions</strong> : a PIN is sent when the card is issued. Furthermore, withdrawals and payments can only be made within the limit of available funds in the B-young current account. Finally, if the card is lost or stolen it can be cancelled simply by calling + 352 49 10 10 (24/7).</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx">Request your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_004.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 5 --> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Luxembourg exclusive: customise your debit card!</h2> <p>Having a card in your image is easy! All you have to do is upload one of your own images or select a picture from our gallery. <br>All of our debit cards can be customised (V PAY or V PAY Servicard), so why wait to put your stamp on yours!</p> <p><a href="https://finance.bil.com/BilNetFinancePlugin/Cards.mvc/RequestPhotoCard" class="btn-default">Customise your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_005.jpg" alt=""> </span> </div> </div> </div> <div class="cd-popup" role="alert"> <div class="cd-popup-container"> <p>We are currently performing maintenance to improve the quality of our card personalization tool. The applet will be available as soon as possible. We apologize for any inconvenience.</p> <a href="#0" class="cd-popup-close img-replace"></a> </div> <!-- cd-popup-container --> </div> <!-- cd-popup --> </div> </div> <!-- section : contact --> <div data-section="How to become a client" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to become a client</h2> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">Are you a Luxembourg resident and under 15?<br>Are you a non-Luxembourg resident and under 18?</h3> <p>Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”</p> </div> <div class="sub-column-50"> <h3 class="title-3">Are you a Luxembourg resident with the Luxembourg nationality and over 15?</h3> <p>Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”</p> </div> </div> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div> <!-- section : 6 --> <div data-section="Flexicav Savings" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Flexicav investment fund savings scheme</h2> <p>Flexicav is an investment fund savings scheme (BIL SICAV) using the financial markets to boost your savings.</p> <ul class="list-check"> <li>You do not incur any charges or entry fees for SICAVs.</li> <li>Your funds remain accessible at all times.</li> <li>You can save for your child at your own pace and at your desired level of risk.</li> <li>Your relationship manager can offer you advice tailored to you.</li> <li>You contribute to Flexicav by standing order from your current or savings account to raise funds.</li> <li>Your payments buy investment fund shares deposited in a securities account.</li> <li>The number of shares you buy in each transaction depends on how much your payments are going to be and on the net asset value of the shares.</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_006.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : bons plans --> <div data-section="Special offers" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Special offers and discounts</h2> <p>With BIL, you get your European Youth Card free!<br>This card, which is valid for a year, offers numerous advantages for social outings and leisure activities in Europe.</p> <p><a class="btn-default" href="https://bil.solutions/cij/index-en.html" target="_blank">I take this opportunity!</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/CJE.jpg" alt=""> </span> </div> </div> </div> </div> </div>
B-Student (18-29 years old)https://www.bil.com/en/individuals/dedicated-offers/b-studentB-Student (18-29 years old)<main> <section class="mission"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bstudent/cours.jpg" alt=""> <div class="mission-text"> <h1>Special offer for students<br> aged 18-29</h1> <h2>B-student Package, <br><span id="mission-value" class="en">Innovative</span> like you!</h2> <a href="#b-active" class="link-arrow scrolltolink" id="mission-scroll">Plus d'informations</a> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#b-active" class="scrolltolink">B-student package</a></li> <li><a href="#quotidien" class="scrolltolink">Manage your day-to-day finances</a></li> <li><a href="#empruntez" class="scrolltolink">Borrow</a></li> <li><a href="#epargnez" class="scrolltolink">Save</a></li> <li><a href="#profitez" class="scrolltolink">Don’t miss out!</a></li> <li><a href="#participez" class="scrolltolink">Take part</a></li> <li><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=fr&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-MENU" class="btn btn-white-revert">Open a B-student account</a></li> </ul> </nav> <section class="advantages" id="b-active"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Move on up!</h1> <p class="body intro-body text-center">Are you under 30 and studying? <br><strong>The B-student package is made for you!</strong></p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/pret.svg" alt=""> <p class="body text-center">Get EUR 200 free when you first take out a <strong>CEDIES student loan</strong></p> </div> <div class="col-md-4"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/cards.svg" alt=""> <p class="body text-center">Your <strong>account and cards</strong> are free</p> </div> <div class="col-md-4"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/logement.svg" alt=""> <p class="body text-center">Do you need a <strong>rent guarantee</strong>? We waive all application fees</p> </div> </div> <div class="row row-small-icons"> <div class="col-md-4 col-md-offset-2"> <a href="#bilnet" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-device.svg" alt=""> <p class="body text-center">Manage your account from anywhere with <strong>BILnet internet banking</strong></p> </div> <div class="col-md-4"> <a href="#profitez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-happy.svg" alt=""> <p class="body text-center">Enjoy <strong>discounts and special offers</strong> all year round!</p> </div> </div> <div class="row"> <div class="col-md-12 flexbox-center"> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-USP" class="btn btn-white">Open a B-student account</a> </div> </div> </div> </section> <section class="cards" id="quotidien"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Choose the card that suits you best!</h1> <p class="body intro-body text-center">Free cards are included with the B-student package. <br>Find out which one is made for you!</p> </div> </div> <div class="row"> <div class="col-md-12"> <div class="table-container"> <!-- DETAILS --> <div class="table-part"> <div class="table-header table-disabled"></div> <div class="table-cell table-cell-fullrow"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-title">In Luxembourg</div> <div class="table-cell table-cell-title">In Europe</div> <div class="table-cell table-cell-title">Abroad</div> <div class="table-cell table-cell-title">Possibilité d'échelonner vos dépenses</div> <div class="table-cell table-cell-title">Contactless option</div> <div class="table-cell table-cell-fullrow"><p>Deposits</p></div> <div class="table-cell table-cell-title">Cash deposits at Servibank+ ATMs</div> <div class="table-cell table-cell-fullrow"><p>Insurance</p></div> <div class="table-cell table-cell-title">Travel accident</div> <div class="table-cell table-cell-2 table-cell-title">Trip cancellation</div> <div class="table-cell table-cell-2 table-cell-title">Purchase protection</div> <div class="table-cell table-cell-3 table-cell-title">Insurance covering emergency spending while you are away</div> <div class="table-cell table-cell-noheight"></div> </div> <!-- V PAY CARD --> <div class="table-part"> <div class="table-header"> <div class="card-custom"> <img src="https://source.unsplash.com/random/1100x700" alt=""> </div> <img class="card-custom-cta" src="/PublishingImages/site-all/cards/card-custom-cta-en.svg" alt=""> <span class="tab">Free and customisable</span> <h1>V Pay Servicard</h1> <p>A <span class="tipso tipso_style" data-tipso="Debit cards are perfect for everyday use. <br>You can use them to withdraw money and make payments in Luxembourg and across Europe. <br>V Pay Servicard helps you to stick to your budget by automatically checking your balance before each transaction.<br><br><a href='/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx' target='_blank'>Want more information?</a>">debit card </span> that suits you.</p> <a href="javascript:void(0);" class="btn-info-card-1">More information</a> </div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Luxembourg</span><span class="right"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Europe</span><span class="right"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Abroad</span><span class="wrong"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Possibility of paying in instalments</span><span class="wrong"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Contactless option</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Deposits</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Insurance</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Travel accident</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Trip cancellation</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Purchase protection</span><span class="wrong"></span></div> <div class="table-cell table-cell-3 table-info-card-1"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="wrong"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-VPAY" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-NON-CLIENT', 'VPAY');" class="btn btn-violet"><p>Subscribe & customise</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-CLIENT', 'VPAY');" class="link">Already a client?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/visa-classic-recto.png" class="card-image" alt="Visa Classic"> <span class="tab">Free</span> <h1>VISA Classic</h1> <p> A credit card for withdrawals and payments in Luxembourg and around the world. </p> <a href="javascript:void(0);" class="btn-info-card-2">More information</a> </div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Luxembourg</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Europe</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Abroad</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Possibility of paying in instalments</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Contactless option</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Deposits</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Insurance</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Travel accident</span><span class="right"></span></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Trip cancellation</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Purchase protection</span><span class="wrong"></span></div> <div class="table-cell table-cell-3 table-info-card-2"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="wrong"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-VISA-CLASSIC" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-NON-CLIENT', 'VISA-CLASSIC');" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-CLIENT', 'VISA-CLASSIC');" class="link">Already a client?</a></div> </div> <!-- BIL Webcard --> <div class="table-part table-part-shift"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/bil.png" class="card-image card-image-small" alt="Visa Classic"> <span class="tab">Free</span> <h1>BIL Webcard</h1> <p>A virtual card for making low- and medium-value purchases online.</p> <a href="javascript:void(0);" class="btn-info-card-3">More information</a> </div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-3 table-info-card-3"><p>Remote payment only (telephone, email, internet) within the limit of EUR 500</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Possibility of paying in instalments</span><span class="not"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Contactless option</span><span class="not"></span></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Deposits</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="not"></span></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Insurance</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Travel accident</span><span class="right"></span></div> <div class="table-cell table-cell-2 table-info-card-3"><span class="mobile-text">Trip cancellation</span><span class="not"></span></div> <div class="table-cell table-cell-2 table-info-card-3"><span class="mobile-text">Purchase protection</span><span class="not"></span></div> <div class="table-cell table-cell-3 table-info-card-3"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="not"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-WEBCARD" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-NON-CLIENT', 'WEBCARD');" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMW" onclick="ga('send', 'event', 'B-STUDENT', 'CARDS-CLIENT', 'WEBCARD');" class="link">Already a client?</a></div> </div> </div> </div> </div> </div> </section> <div class="separator"></div> <section class="application" id="bilnet"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Manage your accounts at any time and from anywhere with BILnet</h1> <p class="body intro-body text-center">Discover BILnet and its wide range of features using our videos!</p> <div class="application-download flexbox-center"> <a class="app-link" href="https://itunes.apple.com/fr/app/bilnet-mobile/id455960649?mt=8" target="_blank"><img src="/PublishingImages/site-all/badge-appstore.svg" alt="Available on the App Store"></a> <a class="app-link" href="https://play.google.com/store/apps/details?id=com.bil.android" target="_blank"><img src="/PublishingImages/site-all/badge-google.svg" alt="Get it on Google Play"></a> </div> </div> </div> <div class="row video-row"> <div class="col-md-8"> <iframe id="player" type="text/html" class="en" src="https://www.youtube.com/embed/IV3omHSpa5Y" allowfullscreen frameborder="0"></iframe> <h1 class="video-title">BILnet, a complete, multi-device client space</h1> </div> <div class="col-md-4"> <ul class="video-list"> <li> <a href="#" class="overlay-link video-1"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-bil-net.jpg" alt=""> <span class="indicator video-1-indicator active"></span> </div> <h2>BILnet, a complete, multi-device client space</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-2"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-quick-banking.jpg" alt=""> <span class="indicator video-2-indicator"></span> </div> <h2>QuickBankingTM: check your accounts at a glance!</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-3"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-digicash.jpg" alt=""> <span class="indicator video-3-indicator"></span> </div> <h2> DigiCash allows you to make payments using your mobile</h2> </li> </ul> </div> </div> <br><br> <div class="flexbox-center"> <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" class="btn btn-violet-revert">Want more info on BILnet?</a> </div> </div> </section> <div class="separator"></div> <section class="projects" id="empruntez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">We help you turn your plans into reality</h1> <p class="body intro-body text-center">We offer a range of tailored loans to help you make your dreams come true.</p> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bstudent/financer.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>Do you want to finance your studies?</h1> <p>Let's talk about your plans!</p> <ul> <li>Your preferential-rate loan is guaranteed by the government</li> <li>EUR 200 gift when you take out your first CEDIES loan</li> <li>Repayment may begin two years after you complete your studies and be spread over 10 years</li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" onclick="ga('send', 'event', 'B-STUDENT', 'CONTACT', 'PRET-CEDIES');" class="btn btn-violet-revert">Contact us</a> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bstudent/logement.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>Have you found a place to rent?</h1> <p>We act as guarantor for your rent payments towards your landlord.</p> <ul> <li>You therefore remain in control of your savings and continue to receive interest</li> <li>You benefit from a preferential interest rate until your 25th birthday</li> <li>We waive all application fees</li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" onclick="ga('send', 'event', 'B-STUDENT', 'CONTACT', 'GARANTIE-LOCATIVE');" class="btn btn-violet-revert">Contact us</a> </div> </div> </div> </div> </div> </section> <section class="epargne" id="epargnez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Save and prepare for the future!</h1> <p class="body intro-body text-center">By building up your savings, each day you get closer to turning your dreams, ambitions and plans into reality.</p> </div> </div> <div class="row"> <div class="col-md-12"> <div class="center-flexbox"> <a href="/en/individuals/products-and-services/save/Pages/savings-accounts.aspx" target="_blank" class="btn btn-white">Discover <strong>Savings Plus</strong><i class="disclaimer-number">1</i>, the account that lets you plan for the future!</a> </div> </div> </div> <div class="row"> <div class="col-md-6 col-md-offset-3"> <div class="center-flexbox flexbox-column"> <h1 class="title text-center">Did you know?</h1> <p class="body text-center">By signing up to the <strong>Savings Plus</strong> account, you become eligible for a government guarantee. <br>Save EUR 290/year for 3 years and make it easier to buy your future home! <br>You benefit from a preferential interest rate until your 25th birthday</p> <a href="http://www.guichet.public.lu/citoyens/fr/logement/acquisition/aides-capital/garantie-etat/index.html" onclick="ga('send', 'event', 'B-STUDENT', 'EN-SAVOIR-PLUS', 'GARANTIE-ETAT');" target="_blank" class="link">More information (French only)</a> </div> </div> </div> </section> <section class="reductions" id="profitez"> <div class="picture-container"> <img src="/PublishingImages/site-particuliers/bstudent/reduc-en.png" alt=""> </div> <div class="container"> <div class="row"> <div class="col-md-8"> <h1 class="title">Special offers <br>and discounts</h1> <p class="body intro-body">With the European Youth Card</p> <a href="http://cartejeunes.lu/category/carte-jeunes-europeenne/avantages/?utm_source=BIL-WEBSITE&utm_medium=REFFERAL_B-STUDENT_FR&utm_campaign=B-STUDENT" class="btn btn-violet-revert">More information on all the special offers here!</a> <br> <a href="https://bil.solutions/cij/index-en.html?utm_source=BIL-WEBSITE&utm_medium=REFFERAL_B-STUDENT_FR&utm_campaign=B-STUDENT" class="btn btn-violet-revert">I take this opportunity!</a> </div> </div> </div> </section> <section class="resume" id="participez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center color-white">Are you interested in the B-student package?</h1> <p class="body intro-body text-center color-white">Here’s a list of its key features:</p> </div> </div> <div class="row"> <div class="col-md-10 col-md-offset-1"> <div class="table"> <div class="table-part table-part-30"> <div class="table-cell table-cell-header table-cell-7 space-bottom"> <img src="/PublishingImages/site-all/icons/cards-table.svg" alt="Cards icon"> <p>Cards</p> </div> <div class="table-cell table-cell-header table-cell-4 space-bottom"> <img src="/PublishingImages/site-all/icons/pret-table.svg" alt="Loan icon"> <p>Loan</p> </div> <div class="table-cell table-cell-header table-cell-4"> <img src="/PublishingImages/site-all/icons/bilnet-table.svg" alt="Wallet icon"> <p>Digital Web Banking</p> </div> </div> <div class="table-part table-part-70"> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Cards</span><p>Cards</p> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell table-cell-grey"> V Pay Servicard + card customisation </div> <div class="table-cell"> Visa Classic </div> <div class="table-cell table-cell-grey"> MC Webcard </div> <div class="table-cell table-cell-2 "> Withdrawals with debit card outside BIL automatic teller machines </div> <div class="table-cell table-cell-grey"> European Youth Card </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> 1 free included </div> <div class="table-cell"> 1 free included </div> <div class="table-cell table-cell-grey"> 1 free included </div> <div class="table-cell table-cell-2 "> 4 free cash withdrawals/month in EUR and other currencies within Europe </div> <div class="table-cell table-cell-grey"> Free for 1 year </div> </div> </div> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Loan</span><p>Rent guarantee (with deposit)</p> </div> </div> <div class="table-part-split"> <div class="split-1"> <div class="table-cell table-cell-grey"> Frais de dossier </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> No application fees </div> </div> </div> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Loan</span><p>Crédit</p> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell table-cell-grey"> Cedies student loan </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> EUR 200 free on subscription </div> </div> </div> <div class="table-part-header table-only-mobile"> <div class="table-cell"> <span class="small-title">Digital Web Banking</span> </div> </div> <div class="table-part-split"> <div class="split-1"> <div class="table-cell "> Bilnet </div> <div class="table-cell table-cell-grey"> Bilnet mobile </div> <div class="table-cell "> Quickbanking </div> <div class="table-cell table-cell-grey"> Digicash </div> </div> <div class="split-2"> <div class="table-cell "> Included </div> <div class="table-cell table-cell-grey"> Included </div> <div class="table-cell "> Included </div> <div class="table-cell table-cell-grey"> Included </div> </div> </div> </div> </div> </div> </div> <div class="row row-register"> <div class="col-md-12"> <h1 class="title text-center">Want to sign up?</h1> <p class="body intro-body text-center">Bring your certificate of school attendance and take out your B-student package now! Or call us on <br><a onclick="ga('send', 'event', 'B-STUDENT', 'CONTACT', 'TEL');" href="tel:+35245903000">+352 4590-3000</a></p> <div class="flexbox-center"> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-BOTTOM" class="btn btn-violet">Ask for your B-student package!</a> <a href="https://bil.solutions/rdv/index-en.html?&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-RDV" class="btn btn-violet-revert">Arrange a meeting at your branch</a> </div> </div> </div> </div> </section> <section class="social"> <div class="container"> <h1 class="title">Social network</h1> <div class="row"> <div class="col-md-8"> <script src="/Style Library/BIL/Scripts/embed.js" type="text/javascript"></script> <link href="/Style Library/BIL/CSS/embed.css" media="all" rel="stylesheet" type="text/css" /> <ul class="juicer-feed" data-feed-id="bil1856" data-per="4"></ul> </div> <div class="col-md-4"> <div class="content"> <h1 class="title-social">Join our community and enjoy all our <strong>client benefits</strong> (concerts, events, cinema tickets, etc.)</h1> <ul class="social-list clearfix"> <li><a href="https://www.instagram.com/bil_lux" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'INSTAGRAM');" class="social-link-instagram"><i class="fa fa-instagram" aria-hidden="true"></i></a></li> <li><a href="https://twitter.com/bil_lux" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'TWITTER');" class="social-link-twitter"><i class="fa fa-twitter" aria-hidden="true"></i></a></li> <li><a href="https://www.facebook.com/BIL1856/" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'FACEBOOK');" class="social-link-facebook"><i class="fa fa-facebook" aria-hidden="true"></i></a></li> <li><a href="https://www.linkedin.com/company-beta/2240549/" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'LINKEDIN');" class="social-link-linkedin"><i class="fa fa-linkedin" aria-hidden="true"></i></a></li> <li><a href="https://fr.pinterest.com/purplebil/" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'PINTEREST');" class="social-link-pinterest"><i class="fa fa-pinterest-p" aria-hidden="true"></i></a></li> </ul> <div class="snapcode-container"> <a href="https://www.snapchat.com/add/bil_lux" onclick="ga('send', 'event', 'B-STUDENT', 'SOCIAL', 'SNAPCHAT');" target="_blank"><img src="/PublishingImages/site-all/snapcode.png" alt="Snapcode BIL"></a> <span>new</span> </div> </div> </div> </div> </div> </section> <div class="conditions"> <div class="container"> <div class="row"> <div class="col-md-12"> <ul> <li>The Savings Plus account can be opened in euro (EUR) or one of the following currencies: Danish krone (DKK), Norwegian krone (NOK), Swedish krona (SEK), Czech koruna (CZK), US dollar (USD), Australian dollar (AUD), Canadian dollar (CAD), New Zealand dollar (NZD), Hungarian forint (HUF), Swiss franc (CHF), pound sterling (GBP) or Polish zloty (PLN).</li> </ul> </div> </div> </div> </div> </main> <div style="display:none;" id="menu-revamp-plus"> <li><a href="/Documents/brochures/ebrochure-bstudent-en.PDF" target="_blank" onclick="ga('send', 'event', 'GEN', 'FLOAT-ACTION-BTN', 'BSTUDENT_EBROCHURE_EN');"> <p>e-Brochure</p> <i class="fa fa-file-o" aria-hidden="true"></i> </a> </li> </div>
B-active (18-29 years old)https://www.bil.com/en/individuals/dedicated-offers/b-activeB-active (18-29 years old)<main> <section class="mission-active"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/mission-image.jpg" alt=""> <div class="mission-text"> <h1>Package reserved for young professionals<br> aged between 18 and 29</h1> <h2>B-active Package, <br>Be <span id="mission-value">Yourself</span></h2> <a href="#b-active" class="link-arrow scrolltolink" id="mission-scroll">More information</a> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#b-active" class="scrolltolink">B-active package</a></li> <li><a href="#quotidien" class="scrolltolink">Manage your day-to-day finances</a></li> <li><a href="#empruntez" class="scrolltolink">Borrow</a></li> <li><a href="#epargnez" class="scrolltolink">Save</a></li> <li><a href="#investissez" class="scrolltolink">Invest</a></li> <li><a href="#profitez" class="scrolltolink">Don't miss out!</a></li> <li><a href="#participez" class="scrolltolink">Take part</a></li> <li><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-SOUSCRIPTION_MENU" class="btn btn-white-revert">Open a B-active account</a></li> </ul> </nav> <section class="advantages" id="b-active"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">We make your projects our priority!</h1> <p class="body intro-body text-center">Have lots of plans for the future? Are you under 30 and working? <br><strong>The B-active package is made for you!</strong></p> </div> </div> <div class="row row-big-icons"> <div class="col-md-3"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/house.svg" alt=""> <p class="body text-center">Borrow up to 100%<i class="disclaimer-number">1</i> of the value of your <strong>new home</strong> and pay no application fees</p> </div> <div class="col-md-3"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/box.svg" alt=""> <p class="body text-center">A car? A new kitchen? Bring <strong>all of your projects</strong> to life with a suitable interest rate</p> </div> <div class="col-md-3"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/cards.svg" alt=""> <p class="body text-center">Your <strong>account and cards</strong> are free</p> </div> <div class="col-md-3"> <a href="#bilnet" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/devices.svg" alt=""> <p class="body text-center">Manage your account from anywhere with online <strong>banking BILnet banking</strong></strong></p> </div> </div> <div class="row row-small-icons"> <div class="col-md-3"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-box.svg" alt=""> <p class="body text-center">You can take out a <strong>moving loan</strong> to finance your rent guarantee and agency fees</p> </div> <div class="col-md-3"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-pig.svg" alt=""> <p class="body text-center">Plan for your future with complete peace of mind thanks to a <strong>savings account</strong> tailored to your situation...</p> </div> <div class="col-md-3"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-money.svg" alt=""> <p class="body text-center">...and <strong>tax-deductible</strong> financial products</p> </div> <div class="col-md-3"> <a href="#profitez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-happy.svg" alt=""> <p class="body text-center">Enjoy <strong>discounts and special offers</strong> all year round!</p> </div> </div> <div class="row"> <div class="col-md-12 flexbox-center"> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-SOUSCRIPTION_USP" class="btn btn-white">Open a B-active account</a> </div> </div> </div> </section> <section class="cards" id="quotidien"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Cards that suit to your needs... and personality ;-)</h1> <p class="body intro-body text-center">With B-active, you get free bank cards. <br>Find the right ones for you!</p> </div> </div> <div class="row"> <div class="col-md-12"> <div class="table-container"> <!-- DETAILS --> <div class="table-part"> <div class="table-header table-disabled"></div> <div class="table-cell table-cell-fullrow"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-title">In Luxembourg</div> <div class="table-cell table-cell-title">Au Europe</div> <div class="table-cell table-cell-title">Abroad</div> <div class="table-cell table-cell-title">Possibility of paying in instalments</div> <div class="table-cell table-cell-title">Contactless option</div> <div class="table-cell table-cell-fullrow"><p>Deposits</p></div> <div class="table-cell table-cell-title">Cash deposits at Servibank+ ATMs</div> <div class="table-cell table-cell-fullrow"><p>Insurance</p></div> <div class="table-cell table-cell-title">Travel accident</div> <div class="table-cell table-cell-2 table-cell-title">Trip cancellation</div> <div class="table-cell table-cell-2 table-cell-title">Protection des achats</div> <div class="table-cell table-cell-3 table-cell-title">Insurance covering emergency spending while you are away</div> <div class="table-cell table-cell-noheight"></div> </div> <!-- V PAY CARD --> <div class="table-part"> <div class="table-header"> <div class="card-custom"> <img src="https://source.unsplash.com/random/1100x700" alt=""> </div> <img class="card-custom-cta" src="/PublishingImages/site-all/cards/card-custom-cta-en.svg" alt=""> <span class="tab">Free and customisable</span> <h1>V Pay Servicard</h1> <p>A <span class="tipso tipso_style" data-tipso="Debit cards are perfect for everyday use. <br>You can use them to withdraw money and make payments in Luxembourg and across Europe. <br>V Pay Servicard helps you to stick to your budget by automatically checking your balance before each transaction.<br><br><a href='/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx' target='_blank'>Want more information?</a>">debit card </span> that suits you.</p> <a href="javascript:void(0);" class="btn-info-card-1">More information</a> </div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Luxembourg</span><span class="right"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Europe</span><span class="right"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Abroad</span><span class="wrong"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Échelonner vos dépenses</span><span class="wrong"></span></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Contactless option</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Deposits</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Insurance</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Travel accident</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Trip cancellation</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Protection des achats</span><span class="wrong"></span></div> <div class="table-cell table-cell-3 table-info-card-1"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="wrong"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-VPAY" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-NON-CLIENT', 'VPAY');" class="btn btn-violet"><p>Subscribe & Customise</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-CLIENT', 'VPAY');" class="link">Already a client ?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/visa-classic-recto.png" class="card-image" alt="Visa Classic"> <span class="tab">Free</span> <h1>VISA Classic</h1> <p>A credit card for withdrawals and payments in Luxembourg and around the world.</p> <a href="javascript:void(0);" class="btn-info-card-2">More information</a> </div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Luxembourg</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Europe</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Abroad</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Échelonner vos dépenses</span><span class="right"></span></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Contactless option</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Deposits</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Insurance</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Travel accident</span><span class="right"></span></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Trip cancellation</span><span class="wrong"></span></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Protection des achats</span><span class="wrong"></span></div> <div class="table-cell table-cell-3 table-info-card-2"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="wrong"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-VISA-CLASSIC" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-NON-CLIENT', 'VISA-CLASSIC');" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-CLIENT', 'VISA-CLASSIC');" class="link">Already a client ?</a></div> </div> <!-- Mastercard Gold --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/visa-gold-recto.png" class="card-image" alt="Visa Classic"> <span class="tab">Free for 2 years<i class="disclaimer-number">2</i></span> <h1>Mastercard Gold</h1> <p>A credit card for withdrawals and payments in Luxembourg and abroad with all the Gold benefits of MasterCard.</p> <a href="javascript:void(0);" class="btn-info-card-3">More information</a> </div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">In Luxembourg</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">In Europe</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Abroad</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Échelonner vos dépenses</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Contactless option</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Deposits</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="right"></span></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Insurance</p></div> <div class="table-cell align-left table-info-card-3"><span class="right"></span><p> (and assistance)</p></div> <div class="table-cell table-cell-2 align-left table-info-card-3"><span class="right"></span> <p> (up to EUR 6,000)<br><a href="https://www.bil.com/Documents/brochures/mc-gold-assurance-annulation-voyage-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-2 align-left table-info-card-3"><div><span class="right"></span></div><p>(from EUR 100 and up to EUR 2,200 per item)<br><a href="https://www.bil.com/Documents/brochures/mc-gold-assurance-protection-achats-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-3 align-left table-info-card-3"><div><span class="right"></span></div><p>(in the event of delays or cancellations, missed departures or connections, lost or delayed luggage)<br><a href="https://www.bil.com/Documents/brochures/mc-gold-assurance-vol-retard-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-MASTERCARD-GOLD" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-NON-CLIENT', 'MASTERCARD-GOLD');" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMG" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-CLIENT', 'MASTERCARD-GOLD');" class="link">Already a client ?</a></div> </div> <!-- BIL Webcard --> <div class="table-part table-part-shift"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/bil.png" class="card-image card-image-small" alt="Visa Classic"> <span class="tab">Free</span> <h1>BIL Webcard</h1> <p>A virtual card for making low- and medium-value purchases online.</p> <a href="javascript:void(0);" class="btn-info-card-4">More information</a> </div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-3 table-info-card-4"><p>Remote payment only (telephone, email, internet) within the default limit of EUR 500</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Échelonner vos dépenses</span><span class="not"></span></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Contactless option</span><span class="not"></span></div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Deposits</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Cash deposits at Servibank+ ATMs</span><span class="not"></span></div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Insurance</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Travel accident</span><span class="right"></span></div> <div class="table-cell table-cell-2 table-info-card-4"><span class="mobile-text">Trip cancellation</span><span class="not"></span></div> <div class="table-cell table-cell-2 table-info-card-4"><span class="mobile-text">Protection des achats</span><span class="not"></span></div> <div class="table-cell table-cell-3 table-info-card-4"><span class="mobile-text">Insurance covering emergency spending while you are away</span><span class="not"></span></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-WEBCARD" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-NON-CLIENT', 'WEBCARD');" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMW" onclick="ga('send', 'event', 'B-ACTIVE', 'CARDS-CLIENT', 'WEBCARD');" class="link">Already a client ?</a></div> </div> </div> </div> </div> </div> </section> <div class="separator"></div> <section class="application" id="bilnet"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Manage your accounts at any time and from anywhere with BILnet</h1> <p class="body intro-body text-center">Discover BILnet and its wide range of features using our videos!</p> <div class="application-download flexbox-center"> <a class="app-link" href="https://itunes.apple.com/fr/app/bilnet-mobile/id455960649?mt=8" target="_blank"><img src="/PublishingImages/site-all/badge-appstore.svg" alt="Available on the App Store"></a> <a class="app-link" href="https://play.google.com/store/apps/details?id=com.bil.android" target="_blank"><img src="/PublishingImages/site-all/badge-google.svg" alt="Get it on Google Play"></a> </div> </div> </div> <div class="row video-row"> <div class="col-md-8"> <iframe id="player" type="text/html" class="en" src="https://www.youtube.com/embed/IV3omHSpa5Y" allowfullscreen frameborder="0"></iframe> <h1 class="video-title">BILnet, a complete, multi-device client space</h1> </div> <div class="col-md-4"> <ul class="video-list"> <li> <a href="#" class="overlay-link video-1"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-bil-net.jpg" alt=""> <span class="indicator video-1-indicator active"></span> </div> <h2>BILnet, a complete, multi-device client space</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-2"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-quick-banking.jpg" alt=""> <span class="indicator video-2-indicator"></span> </div> <h2>QuickBankingTM: check your accounts at a glance!</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-3"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-digicash.jpg" alt=""> <span class="indicator video-3-indicator"></span> </div> <h2> DigiCash allows you to make payments using your mobile</h2> </li> </ul> </div> </div> <br><br> <div class="flexbox-center"> <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" class="btn btn-violet-revert">Want more info on BILnet?</a> </div> </div> </section> <div class="separator"></div> <section class="projects" id="empruntez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">We help you turn your plans into reality</h1> <p class="body intro-body text-center">We offer a range of tailored loans to help you make your dreams come true.</p> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/logement.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>Are you planning to buy a home?</h1> <p>We offer financing solutions adapted to your needs.</p> <ul> <li>LTV of up to 100%<i class="disclaimer-number">1</i></li> <li>No application fees</li> <li>Access to various incentives granted by the Luxembourg government</li> </ul> <a href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/mortgage.aspx" class="link-arrow">Consulter</a> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/coup-de-pouce.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>Need a little help?</h1> <p>Whether it's for a car, a new kitchen, home project or a holiday... With our personal loan, you benefit from preferential terms to finance your exceptional expenses.</p> <ul> <li>Enjoy a special interest rate</li> <li>Receive a prompt response to your loan application</li> <li>Access funds quickly once your loan is approved</li> </ul> <a href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/personal-car-loan.aspx" class="link-arrow">Consulter</a> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/installation.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>Are you renting a home for the first time?</h1> <p>We have flexible solutions allowing you to pay your rent deposit and finance your moving costs.</p> <ul> <li>Borrow up to 5 times the amount of your rent to create a security deposit, and repay the money over a period of up to 36 months<i class="disclaimer-number">3</i></li> <li>No more need to lock up your savings, which remain accessible</li> <li>Pay lower application fees</li> </ul> <br> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" onclick="ga('send', 'event', 'B-ACTIVE', 'CONTACT', 'PRET-1-INSTALLATION');" class="btn btn-violet-revert">Contact us!</a> </div> </div> </div> </div> </div> </section> <section class="epargne-active" id="epargnez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Want to save and pay lower taxes? Here’s how!</h1> <p class="body intro-body text-center">It’s vital to plan for the future of you and your family. But did you know that we have tax-deductible savings solutions and other products eligible for the government guarantee scheme?

 <br><br>Discover our range of savings products and their benefits.</p> </div> </div> <div class="row epargne-list"> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/epargne-plus-icon.svg" alt=""> </div> <h1>Savings <span>Plus</span><br> Account<i class="disclaimer-number">2</i></h1> <p>Do you want to gradually build up capital for a project or for contingencies? Discover the Savings Plus account.</p> <span class="tab tab-blue">Eligible for the government guarantee scheme</span> <a href="https://www.bil.com/en/individuals/products-and-services/save/Pages/savings-accounts.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/wustenrot-icon.svg" alt=""> </div> <h1>Mortgage-savings <span>Wüstenrot</span></h1> <p>Would you like to save up for the purchase of a property in Luxembourg or Germany, for renovations or for home improvements? Are you prepared to build up savings over the long term?</p> <span class="tab tab-blue">Eligible for the government guarantee scheme</span> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="https://www.bil.com/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/bil-pension-icon.svg" alt=""> </div> <h1>Supplementary pension <span>BIL Pension</span></h1> <p>Would you like to make the most of your retirement? Act now to build up personal savings to top up your state pension, with a range of pension insurance products suited to your current and future needs.</p> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="https://www.bil.com/en/individuals/products-and-services/save/Pages/complementary-pension.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type no-padding"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/kid-future-icon.svg" alt=""> </div> <h1>BIL <span>Kids Future</span></h1> <p>Is your family growing? Start saving now to help your children with their future endeavours. Choose a life insurance policy and combine savings protection and tax benefits. Accessible from EUR 25 per month.</p> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="https://www.bil.com/en/individuals/products-and-services/save/Pages/youth-savings.aspx" class="link">Find out more</a> </div> </div> </div> <div class="row"> <div class="flexbox-center"> <a href="http://www.guichet.public.lu/citoyens/fr/logement/acquisition/aides-capital/garantie-etat/index.html" onclick="ga('send', 'event', 'B-ACTIVE', 'EN-SAVOIR-PLUS', 'GARANTIE-ETAT');" target="_blank" class="link link-blue">What does the government guarantee do for me?</a> <a href="https://deductionsfiscales.lu/index-en.html?&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-DEDUCTIONS-FISCALES" target="_blank" class="link link-green">Estimate my tax deductions</a> </div> </div> </div> </section> <section class="invest-active" id="investissez"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="flex"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/investir.jpg" alt=""> </div> <div class="content"> <h1 class="invest-title">Investment solutions for those who want more!</h1> <p class="body intro-body">Want to take the management of your financial assets to the next level? We offer three investment solutions. The choice is yours!</p> <ul> <li> <div> <h1>Flexicav<i class="disclaimer-number">5</i></h1> <p>Flexicav is an investment fund savings scheme for people wanting to invest continuously on the financial markets.</p> <span><strong>Flexicav is right for me because</strong><br> <p>I want to invest regularly without worrying about fund management.</p></span> </div> <a href="https://finance.bil.com/BilNetFinancePlugin/Sicav.mvc/List" onclick="ga('send', 'event', 'B-ACTIVE', 'LINK', 'FLEXICAV');" class="link-arrow"></a> </li> <li> <div> <h1>BIL structured products<i class="disclaimer-number">5</i></h1> <p>Structured products are investment products that offer many advantages. They can be tailored to the specific needs of our clients, who are ever on the look-out for security, higher returns and, above all, transparency.</p> <span><strong>BIL Structured Products is right for me because</strong><br> <p>I want to maximise my return and diversify my portfolio.</p></span> </div> <a href="https://www.bil.com/en/individuals/products-and-services/invest/Pages/structured-products.aspx" onclick="ga('send', 'event', 'B-ACTIVE', 'LINK', 'BSP');" class="link-arrow"></a> </li> <li> <div> <h1>Patrimonial<i class="disclaimer-number">5</i></h1> <p>An investment fund suited to today's challenges. BIL Patrimonial offers dynamic asset management that combines performance with risk management.</p> <span><strong>BIL Patrimonial is right for me because</strong><br> <p>I want to invest in funds while choosing my own investment themes.</p></span> </div> <a href="https://finance.bil.com/BilNetFinancePlugin/Sicav.mvc/List" onclick="ga('send', 'event', 'B-ACTIVE', 'LINK', 'PATRIMONIAL');" class="link-arrow"></a> </li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" onclick="ga('send', 'event', 'B-ACTIVE', 'CONTACT', 'INVESTISSEMENT');" class="btn btn-violet-revert">Contact a relationship manager about this offering</a> </div> </div> </div> </div> </div> </section> <section class="reductions" id="profitez"> <div class="picture-container"> <img src="/PublishingImages/site-particuliers/bactive/reduc-en.png" alt=""> </div> <div class="container"> <div class="row"> <div class="col-md-8"> <h1 class="title">Special offers <br>and discounts</h1> <p class="body intro-body">With the European Youth Card</p> <a href="http://cartejeunes.lu/category/carte-jeunes-europeenne/avantages/?utm_source=BIL-WEBSITE&utm_medium=REFFERAL_B-ACTIVE_FR&utm_campaign=B-ACTIVE" target="_blank" class="btn btn-violet-revert">More information on all <br>the special offers here!</a> <br> <a href="https://bil.solutions/cij/index-en.html?utm_source=BIL-WEBSITE&utm_medium=REFFERAL_B-ACTIVE_FR&utm_campaign=B-ACTIVE" target="_blank" class="btn btn-violet-revert">I take this opportunity!</a> </div> </div> </div> </section> <section class="resume" id="participez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center color-white">Are you interested in the B-active package?</h1> <p class="body intro-body text-center color-white">Here’s a list of its key features:</p> </div> </div> <div class="row"> <div class="col-md-10 col-md-offset-1"> <div class="table"> <div class="table-part table-part-30"> <div class="table-cell table-cell-header table-cell-7 space-bottom"> <img src="/PublishingImages/site-all/icons/pret-table.svg" alt="Loan icon"> <p>Loans</p> </div> <div class="table-cell table-cell-header table-cell-7 space-bottom"> <img src="/PublishingImages/site-all/icons/cards-table.svg" alt="Cards icon"> <p>Everyday banking</p> </div> <div class="table-cell table-cell-header table-cell-3 space-bottom"> <img src="/PublishingImages/site-all/icons/wallet-table.svg" alt="Wallet icon"> <p>Tax products</p> </div> <div class="table-cell table-cell-header table-cell-3"> <img src="/PublishingImages/site-all/icons/star-table.svg" alt="Star icon"> <p>Extra-bancaire</p> </div> </div> <div class="table-part table-part-70"> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Loans</span><p>Mortgage</p> </div> </div> <div class="table-part-split"> <div class="split-1"> <div class="table-cell table-cell-grey"> Interest rate </div> <div class="table-cell"> Application fees </div> <div class="table-cell table-cell-grey"> LTV </div> <div class="table-cell"> Government guarantee </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> Preferential </div> <div class="table-cell"> No application fees </div> <div class="table-cell table-cell-grey"> Up to 100%<i class="disclaimer-number">1</i> </div> <div class="table-cell"> Subject to certain conditions </div> </div> </div> <div class="table-part-header"> <div class="table-cell table-cell-grey"> <span class="small-title">Loans</span><p>Rent guarantee (with deposit): Free</p> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell"> First loan installment and personnal loan </div> </div> <div class="split-2"> <div class="table-cell"> Preferential interest rate </div> </div> </div> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Everyday banking</span><p>Cards</p> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell table-cell-grey"> V Pay Servicard + card customisation </div> <div class="table-cell"> Visa Classic </div> <div class="table-cell table-cell-grey"> MC Gold </div> <div class="table-cell"> MC Webcard </div> <div class="table-cell table-cell-2 table-cell-grey"> Non-BIL withdrawals (SEPA only with debit card) </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> Free </div> <div class="table-cell"> Free </div> <div class="table-cell table-cell-grey"> Free for 2 years </div> <div class="table-cell"> Free </div> <div class="table-cell table-cell-2 table-cell-grey"> 2 free </div> </div> </div> <div class="table-part-header table-only-mobile"> <div class="table-cell"> <span class="small-title">Tax products</span> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell table-cell-grey"> Mortgage savings scheme: Wüstenrot </div> <div class="table-cell"> Supplementary pension: BIL Pension by AXA </div> <div class="table-cell table-cell-grey"> Supplementary pension: BIL Pension by Foyer </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> Special terms </div> <div class="table-cell"> Special terms </div> <div class="table-cell table-cell-grey"> Special terms </div> </div> </div> <div class="table-part-split"> <div class="split-1"> <div class="table-cell table-cell-3 table-cell-grey"> <p>European Youth Card</p> </div> </div> <div class="split-2"> <div class="table-cell table-cell-3 table-cell-grey"> <p>Free for 1 year</p> </div> </div> </div> </div> </div> </div> </div> <div class="row row-register"> <div class="col-md-12"> <h1 class="title text-center">Want to sign up?</h1> <p class="body intro-body text-center">Arrange a meeting at your branch. Bring your employment contract and take out your B-active package now! Or call us on <br><a href="tel:+35245903000" onclick="ga('send', 'event', 'B-ACTIVE', 'CONTACT', 'TEL');">+352 4590-3000</a></p> <div class="flexbox-center"> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-BOTTOM" class="btn btn-violet">Ask for your B-active package!</a> <a href="https://bil.solutions/rdv/index-en.html?&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-RDV" class="btn btn-violet-revert">Arrange a meeting at your branch</a> </div> </div> </div> </div> </section> <section class="social"> <div class="container"> <h1 class="title">Social network</h1> <div class="row"> <div class="col-md-8"> <script src="/Style Library/BIL/Scripts/embed.js" type="text/javascript"></script> <link href="/Style Library/BIL/CSS/embed.css" media="all" rel="stylesheet" type="text/css" /> <ul class="juicer-feed" data-feed-id="bil1856" data-per="4"></ul> </div> <div class="col-md-4"> <div class="content"> <h1 class="title-social">Join our community and enjoy all our <strong>client benefits</strong> (concerts, events, cinema tickets, etc.)</h1> <ul class="social-list clearfix"> <li><a href="https://www.instagram.com/bil_lux" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'INSTAGRAM');" class="social-link-instagram"><i class="fa fa-instagram" aria-hidden="true"></i></a></li> <li><a href="https://twitter.com/bil_lux" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'TWITTER');" class="social-link-twitter"><i class="fa fa-twitter" aria-hidden="true"></i></a></li> <li><a href="https://www.facebook.com/BIL1856/" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'FACEBOOK');" class="social-link-facebook"><i class="fa fa-facebook" aria-hidden="true"></i></a></li> <li><a href="https://www.linkedin.com/company-beta/2240549/" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'LINKEDIN');" class="social-link-linkedin"><i class="fa fa-linkedin" aria-hidden="true"></i></a></li> <li><a href="https://fr.pinterest.com/purplebil/" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'PINTEREST');" class="social-link-pinterest"><i class="fa fa-pinterest-p" aria-hidden="true"></i></a></li> </ul> <div class="snapcode-container"> <a href="https://www.snapchat.com/add/bil_lux" onclick="ga('send', 'event', 'B-ACTIVE', 'SOCIAL', 'SNAPCHAT');" target="_blank"><img src="/PublishingImages/site-all/snapcode.png" alt="Snapcode BIL"></a> <span>new</span> </div> </div> </div> </div> </div> </section> <div class="conditions"> <div class="container"> <div class="row"> <div class="col-md-12"> <ul> <li>To finance the cost of buying your property.Offer subject to conditions and approval of your application.</li> <li>The Savings Plus account can be opened in euro (EUR) or one of the following currencies: Danish krone (DKK), Norwegian krone (NOK), Swedish krona (SEK), Czech koruna (CZK), US dollar (USD), Australian dollar (AUD), Canadian dollar (CAD), New Zealand dollar (NZD), Hungarian forint (HUF), Swiss franc (CHF), pound sterling (GBP) or Polish zloty (PLN).</li> <li>Offer subject to approval of your application.</li> <li>Tax information varies depending on individual circumstances and is subject to change at any time.</li> <li>Investment products are not risk-free. Please contact our BIL relationship managers to determine which products are most suited to your profile.</li> </ul> </div> </div> </div> </div> </main> <div style="display:none;" id="menu-revamp-plus"> <li><a href="/Documents/brochures/ebrochure-bactive-en.PDF" target="_blank" onclick="ga('send', 'event', 'GEN', 'FLOAT-ACTION-BTN', 'BACTIVE_EBROCHURE_EN');"> <p>e-Brochure</p> <i class="fa fa-file-o" aria-hidden="true"></i> </a> </li> </div>
Bordershttps://www.bil.com/en/individuals/dedicated-offers/cross-borderBorders<!-- section : 1 --> <div data-section="Choose your BIL branch" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Whether you want a branch that’s close to work or home, the choice is yours!</h2> <p>A good relationship depends above all on constructive dialogue and attentiveness to your needs. By choosing BIL, you can call on the advice of a relationship manager either by phone or in-branch. This person is your dedicated point of contact. </p> <p>In order to make getting into contact with your relationship manager easier, you can <strong>choose your preferred BIL branch from the 30 situated in the heart of the country and the 10 located along the borders</strong>. </p> <p>Our <strong>branches’ opening hours are designed to suit cross-border workers</strong>; they do not close at lunchtime and have longer opening hours until 7 p.m. on Wednesdays. </p> <p>This means that you can meet your relationship manager without having to juggle your schedule! </p> <p>The Contact and Services Centre is also available to answer any questions over the phone from 8 a.m. to 7 p.m. Monday to Friday.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">Choose your BIL branch</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Offresdediees-Frontaliers_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Manage daily" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Everyday banking solutions tailored to your situation</h2> <p>Would you like to make cash withdrawals in Luxembourg and throughout Europe without having multiple bank cards and paying additional fees? Would you like to set up automatic direct debits to pay your recurring costs and subscriptions? What about making international transfers or taking advantage of insurance and assistance services when you travel? <br>To meet your day-to-day needs, BIL has some efficient solutions on offer:</p> <ul class="list-check"> <li>All-in-one accounts offering a package of products and services: BIL Home, BIL City and BIL World</li> <li>A fully online account: BIL Direct</li> <li>Customisable V PAY and V PAY Servicard debit cards</li> <li>Visa and MasterCard credit cards</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/current-accounts.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Comptesenligne_EN.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div data-section="Online banking solutions" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">BIL, always with you!</h2> <p>Thanks to our efficient online banking solutions, you can now access your accounts and carry out all everyday banking transactions 24/7.</p> <ul class="list-check"> <li><strong>Your BILnet client area</strong>: you can securely manage and monitor your accounts on a daily basis from your computer, tablet or smartphone.</li> <li><strong>BILnet mobile app</strong>: our app offers you secure access to all of your BILnet client area. You can also use all the features offered by QuickBanking TM quickly and without a Token: check your accounts in the blink of an eye, transfer limited amounts of money to external beneficiaries and even withdraw cash without a bank card.</li> <li><strong>Digicash mobile app</strong>: transform your mobile into a real means of payment! Using the Digicash app, you can make payments simply by scanning a QR code in store or online.</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Home-BILnet.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Your mortgage" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Take advantage of special rates on your mortgage</h2> <p>Would you like to finance the purchase of your main residence in France, Belgium or Germany? Making a rental investment or buying a second home in the Greater Region? Undertaking renovation work? You can now take out a loan with BIL and benefit from historically low rates! </p> <h3 class="title-3">The benefits of a BIL mortgage:</h3> <ul class="list-check"> <li>Take advantage now of special interest rates</li> <li>Choose from our three à la carte loan options: fixed, adjustable and variable rate</li> <li>You can define the duration of your loan repayments, spreading over a period of up to 40 years without passing the legal retirement age</li> <li>Enjoy tax benefits</li> <li><strong>Online exclusive</strong>: We will waive the loan application fees (EUR 500) if you complete your application online!</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/borrow/Pages/mortgage.aspx">Simulate your mortgage</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Planlogement.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div data-section="Young professional (18-29 years old)" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Are you a cross border commuting young professional? (18-29 years old)</h2> <p>You just started your working life in Luxemburg?</p> <p>To ease your transition into the world of work, BIL has a range of free products and services on offer through its B-Active package.</p> <p>B-Active offers you a whole host of benefits until your 30th birthday:</p> <ul class="list-check"> <li><strong>A no-charge current account</strong></li> <li><strong>Free bank cards</strong></li> <li><strong>The BILnet client area</strong> can be accessed on your computer, tablet or smartphone</li> <li><strong>Special offers and discounts</strong> on your social outings and leisure activities all over Europe </li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/youth/Pages/b-active.aspx">Find out more</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Active_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <div data-section="Contact us" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Contact us</h2> <p class="title-1-description">Would you like to be put in touch with a relationship manager?</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>
Portuguese speaking residentshttps://www.bil.com/en/individuals/dedicated-offers/portuguese-speaking-residentsPortuguese speaking residents<!-- section : bilnet --> <div data-section="Perto de você" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">BIL, o banco mais próximo da comunidade portuguesa.</h2> <ul class="list-check"> <li>Em quase todas as nossas agências, está à sua disposição um gestor de conta para falar consigo em português acerca dos seus projectos e das suas necessidades.</li> <li>O seu espaço cliente BILnet está totalmente acessível em português.</li> <li>Patrocinamos eventos e organizamos concursos dedicados à comunidade lusófona.</li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Offresdediees-Lusophones_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Conte-nos sobre seu projeto" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Falar dos seus projectos em português, é a melhor forma de os concretizar com tranquilidade.</h2> <p>É sempre delicado falar dos seus projectos financeiros: Vai ser capaz de exprimir as suas necessidade da maneira mais exacta possível? Vai ser bem compreendido pelo seu interlocutor? Para garantir uma relação de qualidade, propomos-lhe a presença de um gestor de conta lusófono em cada uma das nossas agências. Além dos aspectos linguísticos, o seu gestor de conta saberá compreender e antecipar as suas necessidades específicas (transferências de dinheiro, aquisição de imóveis em Portugal, projecto de reforma em Portugal...)</p> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="/PublishingImages/site-particuliers/Offresdediees-Lusophones_002.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : default --> <div data-section="Suas necessidades" class="section-default is-silver"> <div class="page-wrapper"> <h2 class="title-1">Respondemos a todas as suas necessidades, em português!</h2> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Gerir o dia-a-dia</h3> <div class="list-accordion-content"> <p>A BIL propõe-lhe o conjunto de produtos bancários essenciais para a vida quotidiana:</p> <ul class="list-check"> <li><strong>Contas correntes</strong> : a BIL propõe-lhe 3 modalidades de contas correntes simples e fáceis de utilizar (BIL Home, BIL City e BIL World) e uma conta corrente 100% em linha (BIL Direct). As contas são associadas aos cartões bancários e oferecem serviços completos.</li> <li><strong>Cartões de débito Servicard V PAY, V PAY e V PAY Graffiti</strong> : para levantar dinheiro nas caixas automáticas, depositar dinheiro nas caixas automáticas Servibank+ e efectuar pagamentos electrónicos seguros. Além disso, o seu cartão é totalmente personalizável!</li> <li><strong>Cartões de crédito Visa e MasterCard</strong> : estes cartões permitem um reembolso diferido dos seus levantamentos e pagamentos. Associados a inúmeros seguros e serviços de assistência, oferecem igualmente inúmeras vantagens junto dos nossos parceiros.</li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> <p>A BIL está constantemente a inovar para que possa beneficiar de serviços que lhe facilitem a vida:</p> <ul class="list-check"> <li><strong>BILnet, o seu espaço cliente totalmente disponível em português</strong> : faça a gestão e o acompanhamento das suas contas no dia-a-dia em toda a segurança a partir do seu computador, tablet ou smartphone.</li> <li><strong>Aplicação BILnet mobile</strong> : a nossa aplicação oferece-lhe um acesso a todo o seu espaço cliente BILnet. Poderá, igualmente, utilizar todas as funcionalidades oferecidas através do acesso rápido e sem token QuickBanking TM: consultar as suas contas num piscar de olhos, fazer transferências limitadas para beneficiários no estrangeiro e até mesmo levantar dinheiro sem cartão bancário.</li> <li><strong>Aplicação mobile Digicash</strong> : transforme o seu telemóvel num verdadeiro meio de pagamento! Graças à aplicação Digicash, basta digitalizar um flash-code nas lojas ou na internet para efectuar um pagamento. Envie dinheiro para todos os números de telemóvel através de transferência segura de conta para conta com a opção Digicash Transfer.</li> <li><strong>Aplicação QuickMoney</strong> : levante gratuitamente dinheiro das caixas automáticas BIL sem qualquer cartão bancário, através do seu smartphone. Basta seleccionar o seu modo de levantamento QRcode ou código de utilização única para levantar dinheiro sem qualquer cartão. </li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> </div> </li> <li> <h3 class="list-accordion-title">Poupar</h3> <div class="list-accordion-content"> <p>Deseja constituir uma poupança disponível para os seus projectos, os seus filhos, a sua reforma? A BIL propõe-lhe soluções simples à medida das suas necessidades.</p> <ul class="list-check"> <li><strong>Conta Poupança Plus</strong> : quer constituir um capital de forma progressiva para realizar um projecto ou fazer face, quando necessário, às despesas imprevistas? A conta Poupança Plus alia disponibilidade e rendimento.</li> <li><strong>Depósito a prazo</strong> : Procura um investimento defensivo com uma duração e uma remuneração determinadas com antecedência? Deseja receber um complemento de rendimento... ou maximizar o seu capital? Os depósitos a prazo constituem uma solução adaptada.</li> <li><strong>Poupança jovem</strong> : Prepare o futuro dos seus filhos com a BIL! Vai encontrar na BIL soluções simples e atractivas adaptadas à idade do seu filho (Conta Billy para os menores de 12 anos, Conta poupança Jovem para os 12-17 anos e Conta Poupança Plus, com uma taxa preferencial, para os 18-24 anos). Por outro lado, poderá beneficiar de vantagens fiscais interessantes se optar pela Poupança júnior BIL Kids Future, uma solução de seguro de vida a subscrever antes dos 18 anos do seu filho.</li> <li><strong>Poupança habitação</strong> : Deseja poupar para financiar a aquisição de um bem imobiliário, trabalhos de renovação ou obras na sua habitação? Deseja poupar a longo prazo? O contrato de poupança-habitação Wüstenrot permite-lhe preparar os seus projectos imobiliários e os dos seus filhos, beneficiando de vantagens fiscais atractivas.</li> <li><strong>Pensão complementar</strong> : Deseja desfrutar plenamente da sua reforma indo, por exemplo, viver para Portugal? Prepare o seu futuro subscrevendo um contrato de pensão complementar Pension Plus e Alizea. Beneficiará, além disso, de vantagens fiscais interessantes.</li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> </div> </li> <li> <h3 class="list-accordion-title">Empréstimos</h3> <div class="list-accordion-content"> <ul class="list-check"> <li><strong>Empréstimo imobiliário: soluções de financiamento personalizadas</strong><br>Deseja financiar a aquisição da sua residência principal ou secundária? Realizar um investimento de arrendamento? Iniciar trabalhos de renovação? Porque todos os projectos imobiliários são exigentes e importantes, a BIL aconselha-o e acompanha-o com soluções de financiamento personalizadas. <br><strong>Exclusivo internet</strong> : As despesas de processo (500 euros) são oferecidas ao preencher o seu pedido de empréstimo em linha!</li> <li><strong>Empréstimo pessoal: um empréstimo para todos os seus projectos!</strong><br>Empréstimo automóvel, é claro, mas também para uma viagem, uma nova cozinha, mobiliário... Graças ao crédito pessoal da BIL, financie as suas despesas excepcionais com condições privilegiadas beneficiando de deduções fiscais.</li> <li><strong>Empréstimo estudante: financie os estudos dos seus filhos com toda a tranquilidade</strong><br>Tem um diploma de estudos secundários e está a estudar no ensino superior, universitário ou pós-universitário? O dinheiro não deve ser um travão para as suas ambições! Graças à BIL, poderá beneficiar dos empréstimos para estudantes CEDIES subvencionados pelo Estado. A BIL pode igualmente propor-lhe um empréstimo complementar BIL College, beneficiando de condições excepcionais.</li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> </div> </li> <li> <h3 class="list-accordion-title">Investir</h3> <div class="list-accordion-content"> <p>Deseja optimizar os seus investimentos? Descubra as nossas soluções de investimento em função do seu perfil de risco.</p> <ul class="list-check"> <li><strong>Fundos de investimento: diversifique e dinamize os seus investimentos</strong><br>Procura um desempenho superior à poupança clássica, limitando os seus riscos? Graças à sua arquitectura aberta, a BIL propõe-lhe uma ampla gama de fundos geridos pelos nossos próprios gestores ou pelas sociedades gestoras seleccionadas. Terá, assim, acesso a todas as classes de activos, a todos os sectores e a todos os temas de investimento.</li> <li><strong>Obrigações: um dos investimentos mais seguros</strong><br>Uma obrigação é um empréstimo emitido por um Estado, uma colectividade pública ou uma empresa que procuram obter capitais. Se as obrigações são investimentos estáveis, apresentam frequentemente um rendimento menor do que as acções.</li> <li><strong>Acções: maior risco para um melhor desempenho</strong><br>Uma acção representa uma quota-parte do capital social de uma empresa. Os dividendos, emitidos dos lucros ou das reservas da empresa, constituem a remuneração deste capital. O seu capital investido e os seus dividendos não são garantidos. O mercado da bolsa pode ter evoluções importantes, em alta ou em baixa, dependendo do contexto económico e bolsista e do nível de risco associado à sociedade.</li> <li><strong>Produtos estruturados: investimentos atractivos ainda pouco conhecidos pelos particulares</strong><br>Os produtos estruturados são combinações de diversos produtos ou instrumentos financeiros que comportam uma componente em opção para fins de cobertura ou de especulação. Os produtos estruturados concebidos para a BIL (BIL Fix, BIL Y.E.S. BIL Plus) permitem-lhe diversificar e optimizar o rendimento da sua carteira, controlando os riscos.</li> <li><strong>Seguro de vida: prepare o seu futuro garantindo a segurança dos que lhe são mais próximos</strong><br>Efectua um ou vários pagamentos por ano durante todo o período do contrato de seguro de vida. A poupança assim constituída, acrescida da sua remuneração, ser-lhe-á restituída no vencimento do contrato. A duração de um seguro de vida é fixada em 10 anos. Poderá beneficiar das mesmas vantagens fiscais dos residentes luxemburgueses.</li> </ul> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">CONTACTE-NOS</a></p> </div> </li> </ul> </div> </div> <!-- section : accès bilnet --> <div data-section="Contacte-nos" class="section-default"> <div class="page-wrapper text-center"> <h2 class="title-1">Contacte-nos</h2> <p class="title-1-description">Deseja entrar em contacto com um gestor de conta que fale português?</p> <p><a class="btn-default" href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=pt">Tome uma nomeação</a></p> </div> </div>
BIL Selecthttps://www.bil.com/en/individuals/dedicated-offers/bil-selectBIL Select<ul class="fixed-links"> <li><a href="/Documents/brochures/BIL-Select-EN.pdf" onclick="ga('send', 'event', 'BIL-SELECT', 'FLOAT-ACTION-BTN', 'DL-BROCHURE');" target="_blank"> <p>Download our brochure</p> <i class="fa fa-download" aria-hidden="true"></i> </a> </li> <li><a href="/en/individuals/Pages/contact.aspx" onclick="ga('send', 'event', 'BIL-SELECT', 'FLOAT-ACTION-BTN', 'TROUVER-AGENCE');"> <p>Find a branch</p> <i class="fa fa-map-marker" aria-hidden="true"></i> </a> </li> <li><a href="tel:+35245901" onclick="ga('send', 'event', 'BIL-SELECT', 'FLOAT-ACTION-BTN', 'TEL');"> <p>Call us (+352 4590-1)</p> <i class="fa fa-phone" aria-hidden="true"></i> </a> </li> <li><a href="mailto:contact@bil.com" onclick="ga('send', 'event', 'BIL-SELECT', 'FLOAT-ACTION-BTN', 'MAIL');"> <p>Write to us (contact@bil.com)</p> <i class="fa fa-envelope" aria-hidden="true"></i> </a> </li> <li><button class="contact-opener"><span class="bar"></span></button></li> </ul> <div class="fixed-links-background"></div> <div id="debut" class="section-default is-silver photo1" data-section="Presentation"> <div class="page-wrapper align-center"> <h2 class="title-1">BIL Select, an innovative and high-quality service</h2> <p>BIL Select was devised specially for clients like you who want to invest carefully and plan their future with complete peace of mind.<br> With BIL Select, we promise to meet your needs, from the day-to-day management of your accounts to the more complex handling of your investment portfolios.</p> <p><a href="javascript:void(0);" id="btnvideoselect" onclick="ga('send', 'event', 'BIL-SELECT', 'C2A', 'VIDEO');" class="btn-default icone-montre"><span></span>BIL SELECT IN 60 SECONDS</a></p> <div style="clear:both;"></div> </div> </div> <!-- section : contenu --> <div id="videoselect" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-youtube"><iframe width="560" height="315" src="https://www.youtube.com/embed/IiPHuylzKPI?rel=0" frameborder="0" allowfullscreen></iframe></div> </div> </div> <div class="section-default" data-section="Advantages"> <div class="page-wrapper"> <h2 class="avantage">With BIL Select, you enjoy exclusive benefits:</h2> </div> <ul class="list-accordionselect"> <li onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-1');"> <div class="page-wrapper"> <h3 class="list-accordionselect-title"><img src="/PublishingImages/site-particuliers/select/pictos/tel.png" width="46" height="46">Tailored, direct support</h3> <div class="list-accordionselect-content"> <p>To better meet your needs, you will be assigned a single point of contact with whom you can build a strong relationship of trust. This <strong>personal relationship manager</strong> will support you in all your projects, and will be available either on their direct line or by email. He or she can call upon our network of experts to provide you with relevant and appropriate answers to your more complex questions.</p> <div class="cadreinterview"> <div class="personne"> <div class="photo"><img src="/PublishingImages/site-particuliers/select/photos/maria-passer.png" width="121" height="121"></div> <h4>Interview with Maria Passeri</h4> <p>BIL Select relationship manager at the BIL Dudelange branch.</p> <div style="clear:both;"></div> </div> <h5>What is your background?</h5> <p>I started at BIL as a cashier in 1987, and at that time we did everything over the counter. For the last 10 years, I have been a relationship manager for the bank's “Investor” clients. The fact that I grew up in Dudelange and have always worked here means that I am close to my clients.</p> <h5>One of the services provided with BIL Select is personalised support for our clients.<br>How does this work on a day-to-day basis?</h5> <p>I regularly meet my clients to review their situation, often in their own home. We listen and build up a relationship of trust to in order to understand their needs and help them with what they are doing as best we can. It’s also a pleasure to meet them in a less formal setting at our BIL Select events.</p> <h5>Could you say something about BIL Select?</h5> <p>It is very rare to have access to discretionary management with as little as EUR 125,000. This is the key advantage of BIL Select, with its Mandate product. I am also lucky to be able to call on colleagues who are investment experts and can help me to guide my clients.</p> </div> <div style="clear:both;"></div> </div> </div> </li> <li onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-2');"> <div class="page-wrapper"> <h3 class="list-accordionselect-title"><img src="/PublishingImages/site-particuliers/select/pictos/bilan.png" width="46" height="46">A comprehensive annual analysis of your financial position</h3> <div class="list-accordionselect-content"> <p>BIL Select helps you to achieve your goals by focusing on what matters most to you. Benefit from a personalised annual analysis of your financial position, as well as regular reviews of your financial situation with your relationship manager.</p> <div class="table"> <div class="cell"> <ul class="list-graphique"> <li><strong>COME TOGETHER TO REVIEW</strong> your personal banking situation: analyse changes in your assets, investments and loans.</li> <li><strong>TAKE STOCK</strong> of your personal, family and financial situation: birth of a child, marriage, relocation, retirement, inheritance.</li> <li><strong>DISCUSS</strong> your current and future projects, priorities and objectives.</li> <li><strong>WORK TOGETHER TO CHOOSE</strong> the right banking solutions for each key moment of your life according to your needs, calling on the help of our experts on financial markets (depending on the service chosen), insurance, tax, wealth structuring and project finance.</li> </ul> </div> <div class="cell"> <img src="/PublishingImages/site-particuliers/select/graphiques/bilan-patrimonial.png"> </div> </div> <div style="clear:both;"></div> </div> </div> </li> <li id="mandate" onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-3');"> <div class="page-wrapper"> <h3 class="list-accordionselect-title"><img src="/PublishingImages/site-particuliers/select/pictos/solutions.png" width="46" height="46">An advanced range of investment solutions</h3> <div class="list-accordionselect-content" id="mandatediv"> <p>BIL Select offers special access to investment and three management packages tailored to your investor profile and objectives.</p> <ul class="list-colonne"> <li class="or"> <div> <h4><span class="no-hover">You want your investments to be managed by financial market experts.</span><strong>BIL Select Mandate</strong></h4> <hr /> <div class="out"> <p>With a discretionary management contract, you can choose your investment strategy with your relationship manager and entrust the management of your assets to our experts. By selecting suitable investments and adapting to market constraints, they will construct a diversified portfolio for you, with an optimal risk/return profile.</p> <a class="btn-default btn-list-colonne">EXPLORE THE BENEFITS OF THE BIL SELECT MANDATE</a> </div> <div class="hover"> <ul class="coche-blanche"> <li>Four financial investment strategies with different asset allocations, risk levels, target returns and investment horizons</li> <li>The funds selected are best-in-class, open-architecture funds</li> <li>Portfolios are actively managed by highly qualified and experienced portfolio specialists</li> <li>All-in pricing (includes all transactions)</li> <li>Access to our tax support services</li> <li>Access to the BIL World <i>Plus</i> package</li> </ul> </div> </div> </li> <li class="violet"> <div> <h4><span class="no-hover">You want active assistance in managing your financial investments.</span><strong>BIL Select Partner</strong></h4> <hr /> <div class="out"> <p>With an advisory agreement, you can take advantage of the expertise of your relationship manager and our financial specialists to help guide your decisions. You retain control over your investments while taking advantage of the best opportunities on the financial markets, as identified by our experts according to your profile.</p> <a class="btn-default btn-list-colonne">EXPLORE THE BENEFITS OF BIL SELECT PARTNER</a> </div> <div class="hover"> <ul class="coche-blanche"> <li>Analysis of your portfolio</li> <li>A range of funds and structured products selected by our experts</li> <li>A true partnership between you and your relationship manager for the choice of your investments in financial instruments</li> <li>Access to our tax support services</li> <li>Access to the BIL World <i>Plus</i> package</li> <li>Two pricing possibilities: per transaction or flat-rate.</li> </ul> </div> </div> </li> <li class="act"> <div> <h4><span class="no-hover">You want to invest independently.</span><strong>BIL Select Act</strong></h4> <hr /> <div class="out"> <p>This execution service lets you manage your investments on financial markets yourself. You are free to choose from the range of products available to you and determine the composition of your portfolio.<br>The bank provides you with effective tools to enable you to manage your securities and financial market transactions yourself.</p> <a class="btn-default btn-list-colonne">EXPLORE THE BENEFITS OF BIL SELECT ACT</a> </div> <div class="hover"> <ul class="coche-blanche"> <li>Access to a wide range of financial investment products (open architecture)</li> <li>Optimal execution by the bank of your transactions across a range of channels (BILnet, secure messaging, telephone, in-branch appointment)</li> <li>Access to the BIL World <i>Plus</i> package</li> <li>Two pricing possibilities: per transaction or flat-rate</li> </ul> </div> </div> </li> </ul> <div style="clear:both;"></div> </div> </div> </li> <li onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-4');"> <div class="page-wrapper"> <h3 class="list-accordionselect-title"><img src="/PublishingImages/site-particuliers/select/pictos/informations.png" width="46" height="46">Detailed information on your portfolios</h3> <div class="list-accordionselect-content"> <p>Our experts provide accurate reports to share with you as often as outlined for the service chosen.</p> <p><strong>And to better serve your needs...</strong></p> <ul class="coche-bleu"> <li><strong>BILnet</strong>: an effective way of managing your portfolio on a smartphone, tablet or computer, accessible 24/7.</li> <li>Tax support services: <strong>Tax Relief, Tax Reclaim and Tax Report.</strong>.</li> </ul> <div style="clear:both;"></div> </div> </div> </li> <li onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-5');"> <h3 class="list-accordionselect-title page-wrapper"><img src="/PublishingImages/site-particuliers/select/pictos/cb-visa.png" width="46" height="46">An exclusive bank card: Visa Select</h3> <div class="list-accordionselect-content photo2"> <div class="page-wrapper"> <p>With the BIL Select package, you can take advantage of Visa Select, a top-of-the-range credit card offering a wide array of benefits including exclusive insurance and assistance solutions.</p> <h4 class="titre-v">Improve your daily life with a range of services and benefits</h4> <ul class="coche-bleu"> <li>Payment accepted by more than 29 million businesses worldwide</li> <li>Purchase protection: theft, damage to property, etc.</li> <li>Assistance in the home: home help, transport in an ambulance, etc. (terms and conditions apply)</li> <li>Etc.</li> </ul> <h4 class="titre-v">Take advantage of exclusive insurance and assistance solutions, leaving you free to travel the globe with full peace of mind</h4> <ul class="coche-bleu"> <li>Travel insurance: accident, cancellation, missed departure or connection, delayed baggage, etc.</li> <li>Assistance while abroad, travelling or at home</li> </ul> <h4 class="titre-v">Take advantage of Visa Privilege services just for you</h4> <ul class="coche-bleu"> <li>Hotel booking platform: visit <a href="https://www.myvisaluxuryhotels.com" target="_blank">www.myvisaluxuryhotels.com</a>, and take advantage of discounts and special benefits in more than 900 hotels around the world.</li> <li>Special deals with big labels throughout the world: <a href="/Documents/divers/2016-Visa_MOP_Destinations.pdf" target="_blank">click here</a> to discover the full range of offers and discounts from Visa partners</li> </ul> <div style="clear:both;"></div> </div> </div> </li> <li onclick="ga('send', 'event', 'BIL-SELECT', 'LISTE-ACCORDEON', 'POINT-6');"> <h3 class="list-accordionselect-title page-wrapper"><img src="/PublishingImages/site-particuliers/select/pictos/club.png" width="46" height="46">Membership of the privileged BIL Select Club</h3> <div class="list-accordionselect-content photo3"> <div class="page-wrapper"> <p>Choose the BIL Select package to join the BIL Select Club and enjoy a wide array of member-only benefits.</p> <p><strong>Invitations to exclusive events near you:</strong><br> financial conferences, concerts, exhibitions, sneak previews and private viewings, etc.</p> <p><strong>Our BIL Select News newsletter,</strong><br> with special topics selected just for you.</p> <p><a href="https://www.bil.com/club-select/index-en.html" class="btn-default">FIND OUT ABOUT THE CLUB</a></p> <div style="clear:both;"></div> </div> </div> </li> </ul> <div style="clear:both;"></div> </div> </div> <div class="section-default section-form" data-section="Contact"> <div class="page-wrapper"> <h2 class="title-1">Contact a BIL Select relationship manager</h2> <p>Would you like to know more about BIL Select? Let’s talk!</p> <h3>Already a BIL client?</h3> <p>Do not hesitate to contact your relationship manager.</p> <h3>Not yet a client?</h3> <p>For more information on this package, contact us on <a href="tel:+35245901"><strong>(+352) 4590-1</strong></a> or via email <a href="mailto:contact@bil.com"><strong>contact@bil.com</strong></a> <br>Would you like us to call you? Please fill out this <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en"><strong>form</strong></a> and we will get back to you as soon as possible.</p> </div> </div> <script type="text/javascript"> $(document).ready(function(){ setTimeout(function(){ if(window.location.href.indexOf("#mandate") >= 0){ $("li#mandate").addClass("is-current"); $("#mandatediv").show(); } }, 500); }); </script>
Newcomershttps://www.bil.com/en/individuals/dedicated-offers/newcomersNewcomers<main> <section class="mission-na"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/nouveaux-arrivants/mission-image.jpg" alt=""> <div class="mission-text"> <h1>Exclusive offers for newcomers</h1> <h2><span id="mission-value" class="na">Moien,</span><br>Welcome to Luxembourg!</h2> <a href="#nouveaux-a" class="link-arrow scrolltolink" id="mission-scroll">Want more information?</a> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#nouveaux-a" class="scrolltolink">Special offers for newcomers</a></li> <li><a href="#quotidien" class="scrolltolink">Manage your day-to-day finances</a></li> <li><a href="#empruntez" class="scrolltolink">Borrow</a></li> <li><a href="#epargnez" class="scrolltolink">Save</a></li> <li><a href="#investissez" class="scrolltolink">Invest</a></li> <li><a href="#participez" class="scrolltolink">Take part</a></li> <li><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_content=C2A-SOUSCRIPTION_USP" class="btn btn-white-revert">Open an account in one of our branches</a></li> </ul> </nav> <section class="advantages" id="nouveaux-a"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Welcome!</h1> <p class="body intro-body text-center">Congratulations on your decision to live and work in Luxembourg!<br> Welcome to our beautiful country.<br> We know that as a newcomer, you have <strong>certain needs and requirements. </strong> That’s why we’ve put together a special offer just for you.</p> </div> </div> <div class="row row-big-icons"> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/money-transfert.svg" alt="" class="small"> <p class="body text-center">Enjoy free, unlimited <br>eurotransferts on BILnet</p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/box.svg" alt=""> <p class="body text-center">Finance the <span class="tipso tipso_style is-white" data-tipso="The maximum security deposit in Luxembourg is the equivalent of three months’ rent.">security deposit</span> on your rental property</p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#declarez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/declaration.svg" alt=""> <p class="body text-center">We provide a voucher worth EUR 150 to help you file your first tax return in Luxembourg</p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#bilnet" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/devices.svg" alt=""> <p class="body text-center">Manage your account from anywhere with <strong>BILnet internet banking</strong></p> </div> </div> <div class="row row-small-icons"> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-house.svg" alt=""> <p class="body text-center">If you are aged under 35, you can enjoy up to 100%<span class="disclaimer-number no-padding">1</span> loan-to-value on your home</p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-box-full.svg" alt=""> <p class="body text-center">A car? A new kitchen? Bring your projects to life with our personal loan</p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-pig.svg" alt=""> <p class="body text-center"><strong>Enjoy savings solutions tailored <br>to your situation </strong></p> </div> <div class="col-md-3 col-sm-6 col-xs-12"> <a href="#investissez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-invest.svg" alt=""> <p class="body text-center"><strong> and access to a wide array <br>of investment products</strong></p> </div> </div> </div> </section> <section class="account" id="account"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center title-violet">BANKING PRODUCTS TAILORED TO SUIT YOU</h1> <p class="body intro-body text-center"><strong>Learn about our range of banking services and find one that suits your unique financial situation and needs!</strong></p> </div> </div> <div class="row"> <div class="flexbox-center"> <ul class="tabs"> <li class="tab-link current" data-tab="tab-1">Are you <strong>30 or older</strong>? </li> <li class="tab-link" data-tab="tab-2">Are you <strong>under 30</strong>?</li> </ul> </div> </div> <div id="tab-1" class="tab-content current"> <div class="row account-list"> <div class="col-md-3"> <div class="account-type"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-home-violet.svg" alt=""> </div> <h1>BIL <span>Home</span></h1> <ul class="account-type-list"> <li>A standard current account</li> <li>A V PAY Servicard debit card</li> <li>BILnet online banking access</li> </ul> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_keyword=Demande%20pour%20un%20compte%20bil%20home" class="btn btn-blue">SIGN UP AT YOUR BRANCH</a> </div> </div> <div class="col-md-3"> <div class="account-type"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-city-violet.svg" alt=""> </div> <h1>BIL <span>City</span><i class="disclaimer-number">3</i></h1> <ul class="account-type-list"> <li>A comprehensive product package</li> <li>A Visa Classic<i class="disclaimer-number">3</i></span> credit card</li> <li>A V Pay Servicard debit card</li> <li>A BIL Webcard</li> <li>BILnet online banking access</li> </ul> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_keyword=Demande%20pour%20un%20compte%20bil%20city" class="btn btn-blue">SIGN UP AT YOUR BRANCH</a> </div> </div> <div class="col-md-3"> <div class="account-type"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-world-violet.svg" alt=""> </div> <h1>BIL <span>World</span><i class="disclaimer-number">3</i></h1> <ul class="account-type-list"> <li>A comprehensive product package</li> <li>A Visa Classic<i class="disclaimer-number">3</i></span> credit card</li> <li>A <span style="white-space: nowrap;">Mastercard Gold<i class="disclaimer-number">3</i></span> credit card</li> <li>A V Pay Servicard debit card</li> <li>A BIL Webcard</li> <li>BILnet online banking access</li> <li>Advantageous credit facilities<i class="disclaimer-number">3</i></li> <li>More comprehensive insurance policies linked to the <span style="white-space: nowrap;">Mastercard Gold card</span></li> </ul> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_keyword=Demande%20pour%20un%20compte%20bil%20world" class="btn btn-blue">SIGN UP AT YOUR BRANCH</a> </div> </div> <div class="col-md-3"> <div class="account-type account-violet"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-company-violet.svg" alt=""> </div> <h1>BIL <span>Package Company</span></h1> <p>We’ve partnered with hundreds of companies in Luxembourg and abroad to offer their employees special terms and conditions with the BIL Company Package. Check your eligibility with your employer or at one of our branches!</p> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_keyword=Demande%20pour%20un%20package%20company" class="btn btn-violet">ARRANGE A MEETING <br/>AT YOUR BRANCH</a> </div> </div> </div> </div> <div id="tab-2" class="tab-content"> <div class="row account-list"> <div class="col-md-4"> <div class="account-type"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-student-violet.svg" style="height:36px" alt=""> </div> <h1>B-student <span class="account-type-info">(for students aged 18 to 29)</span></h1> <ul class="account-type-list"> <li>A comprehensive product package</li> <li>A free gift of EUR 200 when you first take out a CEDIES student loan</li> <li>Financing for your security deposit with no application fees</li> <li>An account with free bank cards</li> <li>BILnet online banking access</li> <li>Discounts and special offers that help you save, <br/>all year long</li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=B-STUDENT&utm_content=C2A-SOUSCRIPTION_USP" class="btn btn-violet">SIGN UP</a> </div> </div> <div class="col-md-4"> <div class="account-type"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-active-violet.svg" style="height:38px" alt=""> </div> <h1>B-Active <span class="account-type-info">(for young professionals aged 18 to 29)</span></h1> <ul class="account-type-list"> <li>A comprehensive product package</li> <li>Up to 100%<i class="disclaimer-number">1</i> loan-to-value on your home with no application fees</li> <li>Favourable rates to turn your dream projects into reality</li> <li>A free account and bank cards + a free Mastercard Gold card for two years</li> <li>BILnet online banking access</li> <li>Discounts and special offers that help you save, <br/>all year long</li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=B-ACTIVE&utm_content=C2A-SOUSCRIPTION_USP" class="btn btn-violet">SIGN UP</a> </div> </div> <div class="col-md-4"> <div class="account-type account-violet"> <div class="account-type-picture"> <img src="/PublishingImages/site-all/icons/b-company-violet.svg" alt=""> </div> <h1>BIL <span>Package Company</span></h1> <p>We’ve partnered with hundreds of companies in Luxembourg and abroad to offer their employees special terms and conditions with the BIL Company Package. Check your eligibility with your employer or at one of our branches!</p> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_keyword=Demande%20pour%20un%20package%20company" class="btn btn-violet">ARRANGE A MEETING AT YOUR BRANCH</a> </div> </div> </div> </div> </div> <div class="row row-help"> <div class="col-md-12"> <h1 class="title text-center">CAN’T MAKE UP YOUR MIND?</h1> <div class="flexbox-center"> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS" class="btn btn-violet-revert">SCHEDULE A MEETING AT YOUR LOCAL BRANCH</a> </div> </div> </div> </section> <section class="cards" id="quotidien"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Cards that suit to your needs... and personality  ;-)</h1> <p class="body intro-body text-center">With our special deal for newcomers, you get bank cards free of charge with one of our packages. Find one that’s right for you!</p> </div> </div> <div class="row"> <div class="col-md-12"> <div class="table-container"> <!-- DETAILS --> <div class="table-part"> <div class="table-header table-disabled"></div> <div class="table-cell table-cell-fullrow"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-title"><p>In Luxembourg</p></div> <div class="table-cell table-cell-title"><p>In Europe</p></div> <div class="table-cell table-cell-title"><p>Abroad</p></div> <div class="table-cell table-cell-title"> <p> Possibility of <span class="tipso tipso_style" data-tipso="There are two payment methods available for credit cards:<br><br><b>Payment in full</b>: the total outstanding balance on your card is automatically debited.<br><br><b>Revolving credit</b>: at the end of each period, only 10% of the outstanding balance is automatically debited. You are then free to repay the remainder at your convenience – whenever and in however many instalments you like. You are charged an agreed, fixed interest rate on any unpaid balance.">paying in instalments</span></p></div> <div class="table-cell table-cell-title"><p><span class="tipso tipso_style" data-tipso="Contactless technology enables you to make payments without having to insert your card into the terminal (applies to payments of less than EUR 25 in Luxembourg).">Contactless option</span></p></div> <div class="table-cell table-cell-fullrow"><p>Deposits</p></div> <div class="table-cell table-cell-title"><p>Cash deposits at <span class="tipso tipso_style" data-tipso="Servibank+ terminals are BIL ATMs, allowing individuals and retailers to quickly and easily withdraw money or deposit banknotes into a BIL account 24/7.">Servibank+ ATMsk</span></p></div> <div class="table-cell table-cell-fullrow"><p>Insurance</p></div> <div class="table-cell table-cell-title"><p>Travel accident</p></div> <div class="table-cell table-cell-2 table-cell-title"><p>Trip cancellation</p></div> <div class="table-cell table-cell-2 table-cell-title"><p>Purchase protection</p></div> <div class="table-cell table-cell-3 table-cell-title"><p>Insurance covering emergency spending while you are away</p></div> <div class="table-cell table-cell-noheight"></div> </div> <!-- V PAY CARD --> <div class="table-part"> <div class="table-header"> <div class="card-custom"> <img src="https://source.unsplash.com/random/1100x700" alt=""> </div> <img class="card-custom-cta" src="/PublishingImages/site-all/cards/card-custom-cta-en.svg" alt=""> <span class="tab">Free and customisable</span> <h1>V Pay Servicard</h1> <p>A <span class="tipso tipso_style" data-tipso="Debit cards are perfect for everyday use. <br>You can use them to withdraw money and make payments in Luxembourg and across Europe. <br>V Pay Servicard helps you to stick to your budget by automatically checking your balance before each transaction.<br><br><a href='/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx' target='_blank'>Want more information?</a>">debit card </span> that suits you.</p> <button class="btn-info-card-1">Want more information?</button> </div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Luxembourg</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-1"><span class="mobile-text">In Europe</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Abroad</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-info-card-1"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Paying in instalments</span></span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-info-card-1"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Contactless option</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Deposits</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Cash deposits at <span class="tipso tipso_style" data-tipso="info">Servibank + ATMsk/span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-1"><p>Insurance</p></div> <div class="table-cell table-info-card-1"><span class="mobile-text">Travel accident</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Trip cancellation</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-2 table-info-card-1"><span class="mobile-text">Purchase protection</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-3 table-info-card-1"><span class="mobile-text">Insurance covering emergency spending while you are away</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_content=C2A-Carte" class="btn btn-violet"><p>Subscribe & Customise</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" class="link">Already a client?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/visa-classic-recto.png" class="card-image" alt="Visa Classic"> <span class="tab">Included in the BIL City and BIL World packages</span> <h1>VISA Classic</h1> <p>A <span class="tipso tipso_style" data-tipso="Unlike debit cards, credit cards offer you a cash advance (deferred debit). They also provide additional insurance coverage depending on the chosen card.<br><br><a href='/en/individuals/products-and-services/managing-day-to-day-finances/Pages/credit-cards.aspx' target='_blank'>Want more information?</a>">credit card </span> for withdrawals and payments in Luxembourg and around the world.</p> <button class="btn-info-card-2">Want more information?</button> </div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Luxembourg</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-2"><span class="mobile-text">In Europe</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Abroad</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-2"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Paying in instalments</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-2"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Contactless option</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Deposits</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Cash deposits at<span class="tipso tipso_style" data-tipso="info">Servibank + ATMsk</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-cell-text-visible table-info-card-2"><p>Insurance</p></div> <div class="table-cell table-info-card-2"><span class="mobile-text">Travel accident</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Trip cancellation</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-2 table-info-card-2"><span class="mobile-text">Purchase protection</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-3 table-info-card-2"><span class="mobile-text">Insurance covering emergency spending while you are away</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_content=C2A-Carte" class="btn btn-violet"><p>subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMB" class="link">Already a client?</a></div> </div> <!-- Mastercard Gold --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/visa-gold-recto.png" class="card-image" alt="Visa Classic"> <span class="tab">Included in the BIL World package</span> <h1>Mastercard Gold</h1> <p>A credit card for withdrawals and payments in Luxembourg and abroad with all the Gold benefits of MasterCard.</p> <button class="btn-info-card-3">Want more information?</button> </div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Payments and withdrawals</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">In Luxembourg</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-3"><span class="mobile-text">In Europe</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Abroad</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-3"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Paying in instalments</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-info-card-3"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Contactless option</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Deposits</p></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Cash deposits at<span class="tipso tipso_style" data-tipso="info">Servibank + ATMsk</span></span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-3"><p>Insurance</p></div> <div class="table-cell align-left table-info-card-3"><img src="/PublishingImages/site-all/icons/check.svg"><p>  (and assistance)</p></div> <div class="table-cell table-cell-2 align-left table-info-card-3"><img src="/PublishingImages/site-all/icons/check.svg"> <p> (up to EUR 6,000)<br><a href="/Documents/brochures/mc-gold-assurance-annulation-voyage-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-2 align-left table-info-card-3"><div><img src="/PublishingImages/site-all/icons/check.svg"></div><p>(from EUR 100 and up to EUR 2,200 per item)<br><a href="/Documents/brochures/mc-gold-assurance-protection-achats-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-3 align-left table-info-card-3"><div><img src="/PublishingImages/site-all/icons/check.svg"></div><p>(in the event of delays or cancellations, missed departures or connections, lost or delayed luggage)<br><a href="/Documents/brochures/mc-gold-assurance-vol-retard-en.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_content=C2A-Carte" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMG" class="link">Already a client?</a></div> </div> <!-- BIL Webcard --> <div class="table-part table-part-shift"> <div class="table-header"> <img src="/PublishingImages/site-all/cards/bil.png" class="card-image card-image-small" alt="Visa Classic"> <span class="tab">Included in the BIL City and BIL World packages</span> <h1>Carte électronique BIL Webcard</h1> <p>A <span class="tipso tipso_style" data-tipso="The BIL Webcard is a credit card specially designed for making low- and medium-value purchases online. It is entirely virtual, making it the perfect card for those who regularly make low- and medium-value purchases online or by telephone.">virtual card</span> for making low- and medium-value purchases online.</p> <button class="btn-info-card-4">Want more information?</button> </div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Payments and withdrawals</p></div> <div class="table-cell table-cell-3 table-info-card-4"><p>Remote payment only (telephone, email, internet) within the default limit of EUR 500</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Paying in instalments</span></span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-info-card-4"><span class="mobile-text"><span class="tipso tipso_style" data-tipso="info">Contactless option</span></span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Deposits</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Cash deposits at<span class="tipso tipso_style" data-tipso="info">Servibank + ATMsk</span></span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-fullrow table-info-card-4"><p>Insurance</p></div> <div class="table-cell table-info-card-4"><span class="mobile-text">Trip cancellation</span><img src="/PublishingImages/site-all/icons/check.svg"></div> <div class="table-cell table-cell-2 table-info-card-4"><span class="mobile-text">Trip cancellation</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-2 table-info-card-4"><span class="mobile-text">Purchase protection</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-3 table-info-card-4"><span class="mobile-text">Insurance covering emergency spending while you are away</span><img src="/PublishingImages/site-all/icons/cross.svg"></div> <div class="table-cell table-cell-noheight"><a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireEER?lang=en&utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS&utm_content=C2A-Carte" class="btn btn-violet"><p>subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://bilnet.lu.bil.com/Main/Cartagena.mvc/CreateCard?TypeDocument=EMW" class="link">Already a client?</a></div> </div> </div> </div> </div> </div> </section> <div class="separator"></div> <section class="application" id="bilnet"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Manage your accounts at any time and from anywhere with BILnet</h1> <p class="body intro-body text-center">Discover BILnet and its wide range of features using our videos!</p> <div class="application-download flexbox-center"> <a class="app-link" href="https://itunes.apple.com/fr/app/bilnet-mobile/id455960649?mt=8" target="_blank"><img src="/PublishingImages/site-all/badge-appstore.svg" alt="Available on the App Store"></a> <a class="app-link" href="https://play.google.com/store/apps/details?id=com.bil.android" target="_blank"><img src="/PublishingImages/site-all/badge-google.svg" alt="Get it on Google Play"></a> </div> </div> </div> <div class="row video-row"> <div class="col-md-8"> <iframe id="player" type="text/html" class="en" src="https://www.youtube.com/embed/IV3omHSpa5Y" allowfullscreen frameborder="0"></iframe> <h1 class="video-title">BILnet, a complete, multi-device client space</h1> </div> <div class="col-md-4"> <ul class="video-list"> <li> <a href="#" class="overlay-link video-1"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-bil-net.jpg" alt=""> <span class="indicator video-1-indicator active"></span> </div> <h2>BILnet, a complete, multi-device client space</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-2"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-quick-banking.jpg" alt=""> <span class="indicator video-2-indicator"></span> </div> <h2>QuickBankingTM: check your accounts at a glance!</h2> </li> <li class="video-separator"></li> <li> <a href="#" class="overlay-link video-3"></a> <div class="video-preview-container"> <img src="/PublishingImages/site-all/video-bilnet/preview-digicash.jpg" alt=""> <span class="indicator video-3-indicator"></span> </div> <h2> DigiCash allows you to make payments using your mobile</h2> </li> </ul> </div> </div> <br><br> <div class="flexbox-center"> <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" class="btn btn-violet-revert">Want more info on BILnet?</a> </div> </div> </section> <div class="separator"></div> <section class="projects-na" id="empruntez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">WE CAN HELP MAKE YOUR PLANS A REALITY.</h1> <p class="body intro-body text-center">Now that you’ve started a new chapter, let us help you make the most of it.</p> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container img-location"> <div class="hideitem"></div> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>ARE YOU RENTING A HOME IN LUXEMBOURG FOR THE FIRST TIME?</h1> <p>We have flexible solutions allowing you to pay your security deposit and finance your moving costs.</p> <ul> <li>Borrow up to five times the amount of your rent to pay your security deposit, and pay back your loan over a period of up to 36 months</li> <li>You no longer need to tie up your savings, which remain at your disposal</li> </ul> <br> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" class="btn btn-violet-revert">Contact us</a> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container img-cdp"> <div class="hideitem"></div> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>NEED A LITTLE HELP?</h1> <p>Whether it’s for a car, a new kitchen, or a home project... With our personal loan, you benefit from preferential terms to finance your plans.</p> <ul> <li>Choose a repayment period from one to five years</li> <li>Receive a prompt response to your loan application</li> <li>Access your funds quickly</li> </ul> <a href="/en/individuals/products-and-services/borrow/Pages/personal-car-loan.aspx" class="link-arrow">Read more</a> </div> </div> </div> </div> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container img-logement"> <div class="hideitem"></div> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>PLANNING TO BUY A HOME?</h1> <p>We offer financing solutions adapted to your needs.</p> <ul> <li>Are you under 35? Enjoy up to 100%<i class="disclaimer-number">1</i> loan-to-value on your home</li> <li>Reap the rewards of historically low interest rates</li> <li>Take advantage of incentives granted by the Luxembourg government</li> </ul> <br> <a href="/en/individuals/products-and-services/borrow/Pages/mortgage.aspx" class="link-arrow">Read more</a> </div> </div> </div> </div> </div> </section> <section class="epargne-na" id="epargnez"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Want to save and pay lower taxes? Here’s how!</h1> <p class="body intro-body text-center">It’s vital to plan for the future of you and your family. But did you know that we have tax-deductible savings solutions and other products eligible for the government guarantee scheme? <br><br>Discover our range of savings products and their benefits.</p> </div> </div> <div class="row epargne-list"> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/epargne-plus-icon.svg" alt=""> </div> <h1>Savings <span>Plus</span> <br>Account <i class="disclaimer-number">2</i></h1> <p>Do you want to gradually build up capital for a project or for contingencies? Discover the Savings Plus account.</p> <span class="tab tab-blue">Eligible for the government <br/>guarantee scheme</span> <a href="/en/individuals/products-and-services/save/Pages/savings-accounts.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/wustenrot-icon.svg" alt=""> </div> <h1>Mortgage-savings <span>Wüstenrot</span></h1> <p>Would you like to save up for the purchase of a property in Luxembourg or Germany, for renovations or for home improvements? Are you prepared to build up savings over the long term?</p> <span class="tab tab-blue">Eligible for the government <br/>guarantee scheme</span> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/bil-pension-icon.svg" alt=""> </div> <h1>Supplementary pension <span>BIL Pension</span></h1> <p>Would you like to make the most of your retirement? Act now to build up personal savings to top up your state pension, with a range of pension insurance products suited to your current and future needs.</p> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="/en/individuals/products-and-services/save/Pages/complementary-pension.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-3"> <div class="epargne-type no-padding"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/kid-future-icon.svg" alt=""> </div> <h1>BIL <span>Kids Future</span></h1> <p>Is your family growing? Start saving now to help your children with their future endeavours. Choose a life insurance policy and combine savings protection and tax benefits. Accessible from EUR 25 per month.</p> <span class="tab tab-green">Tax-deductible<i class="disclaimer-number">4</i></span> <a href="/en/individuals/products-and-services/save/Pages/youth-savings.aspx" class="link">Find out more</a> </div> </div> </div> <div class="row"> <div class="flexbox-center"> <a href="http://www.guichet.public.lu/citoyens/en/logement/acquisition/aides-capital/garantie-etat/index.html" target="_blank" class="link link-blue">What does the government guarantee do for me?</a> <a href="https://deductionsfiscales.lu/index-en.html" target="_blank" class="link link-green">Estimate my tax deductions</a> </div> </div> </div> </section> <section class="declare" id="declarez"> <div class="container"> <div class="row row-promo"> <div class="col-md-12"> <h1 class="title text-center">As a newcomer to the country, <br><span class="title-disclaimer">we offer you a voucher worth EUR 150 for our tax partner Memola & Partners* when you subscribe to any tax-deductible product</span></h1> <p class="body intro-body disclaimer">*Voucher valid for the tax return relating to the fiscal year in which the BIL tax-deductible product was purchased, or the following fiscal year.</p> </div> </div> </div> </section> <section class="invest-na" id="investissez"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="flex"> <div class="picture-container img-invest"> <div class="hideitem"></div> </div> <div class="content"> <h1 class="invest-title">Investment solutions for those who want more!</h1> <p class="body intro-body">Want to take the management of your financial assets to the next level? We offer three investment solutions. The choice is yours!</p> <ul> <li> <div> <h1>Flexicav<i class="disclaimer-number">5</i></h1> <p>Flexicav is an investment fund savings scheme for people wanting to invest continuously on the financial markets.</p> <p><strong>Flexicav is right for me because</strong><br><span> I want to invest regularly without worrying about fund management.</span></p> </div> <a href="https://finance.bil.com/BilNetFinancePlugin/Sicav.mvc/List" class="link-arrow"></a> </li> <li> <div> <h1>BIL structured products<i class="disclaimer-number">5</i></h1> <p>Structured products are investment products that offer many advantages. They can be tailored to the specific needs of our clients, who are ever on the look-out for security, higher returns and, above all, transparency.</p> <p><strong>BIL Structured Products is right for me because</strong><br><span> I want to maximise my return and diversify my portfolio.</span></p> </div> <a href="/en/individuals/products-and-services/invest/Pages/structured-products.aspx" class="link-arrow"></a> </li> <li> <div> <h1>Patrimonial<i class="disclaimer-number">5</i></h1> <p>An investment fund suited to today's challenges. BIL Patrimonial offers dynamic asset management that combines performance with risk management.</p> <p><strong>BIL Patrimonial is right for me because</strong><br><span> I want to invest in funds while choosing my own investment themes.</span></p> </div> <a href="https://finance.bil.com/BilNetFinancePlugin/Sicav.mvc/List" class="link-arrow"></a> </li> </ul> <a href="https://finance.bil.com/BilNetFinancePlugin/Formulaires.mvc/FormulaireContact?lang=en" class="btn btn-violet-revert">Contact a relationship manager about this offering</a> </div> </div> </div> </div> </div> </section> <section class="interest" id="participez"> <div class="container"> <div class="row row-register"> <div class="col-md-12"> <h1 class="title text-center">ARE YOU INTERESTED?</h1> <p class="body intro-body text-center">Take advantage of our special offer for newcomers today!<br>Contact us on <br><a href="tel:+35245903000">+352 4590-3000</a></p> <div class="flexbox-center"> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILcom&utm_medium=PAGE_NOUVEAUX-ARRIVANTS&utm_campaign=NOUVEAUX-ARRIVANTS" class="btn btn-violet">Apply for one of our special accounts for newcomers at one of our branches</a> </div> </div> </div> </div> </section> <section class="social"> <div class="container"> <h1 class="title">Social network</h1> <div class="row"> <div class="col-md-8"> <script src="/Style Library/BIL/Scripts/embed.js" type="text/javascript"></script> <link href="/Style Library/BIL/CSS/embed.css" media="all" rel="stylesheet" type="text/css" /> <ul class="juicer-feed" data-feed-id="bil1856" data-per="4"></ul> </div> <div class="col-md-4"> <div class="content"> <h1 class="title-social">Join our community and<strong> enjoy all our client benefits </strong> (concerts, events, cinema tickets, etc.) </h1> <ul class="social-list clearfix"> <li><a href="https://www.instagram.com/bil_lux" class="social-link-instagram"><i class="fa fa-instagram" aria-hidden="true"></i></a></li> <li><a href="https://twitter.com/bil_lux" class="social-link-twitter"><i class="fa fa-twitter" aria-hidden="true"></i></a></li> <li><a href="https://www.facebook.com/BIL1856/" class="social-link-facebook"><i class="fa fa-facebook" aria-hidden="true"></i></a></li> <li><a href="https://www.linkedin.com/company-beta/2240549/" class="social-link-linkedin"><i class="fa fa-linkedin" aria-hidden="true"></i></a></li> <li><a href="https://fr.pinterest.com/purplebil/" class="social-link-pinterest"><i class="fa fa-pinterest-p" aria-hidden="true"></i></a></li> </ul> <div class="snapcode-container"> <a href="https://www.snapchat.com/add/bil_lux" target="_blank"><img src="/PublishingImages/site-all/snapcode.png" alt="Snapcode BIL"></a> <span>New</span> </div> </div> </div> </div> </div> </section> <div class="conditions"> <div class="container"> <div class="row"> <div class="col-md-12"> <ul> <li>To finance the cost of buying your property.Offer subject to conditions and approval of your application.</li> <li>The Savings Plus account can be opened in euro (EUR) or one of the following currencies: Danish krone (DKK), Norwegian krone (NOK), Swedish krona (SEK), Czech koruna (CZK), US dollar (USD), Australian dollar (AUD), Canadian dollar (CAD), New Zealand dollar (NZD), Hungarian forint (HUF), Swiss franc (CHF), pound sterling (GBP) or Polish zloty (PLN).</li> <li>Offer subject to approval of your application.</li> <li>Tax information varies depending on individual circumstances and is subject to change at any time.</li> <li>Investment products are not risk-free. Please contact our BIL relationship managers to determine which products are most suited to your profile.</li> </ul> </div> </div> </div> </div> </main>