Alerte phishinghttps://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=1Alerte phishingWarning – ongoing phishing alerts! Be on the lookout for fraudulent calls and text messages. Do not share any personal information or click on any links. <br><br>If you believe you are the victim of attempted fraud or in the event of fraudulent use of your card, contact Worldline by calling <a href="tel:+352491010">+352 4910-10</a>. 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">Receive up to EUR 150 for your new baby!</h3> <p>An exclusive offer to celebrate the birth of your child: We’re offering EUR 50 to invest in each of our savings products: (terms and conditions available in our branches). <br><a href="/en/individuals/products-and-services/save/Pages/youth-savings.aspx" title="BILLY SAVINGS ACCOUNT">BILLY SAVINGS ACCOUNT</a> <br><a href="/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="FLEXICAV SAVINGS PLAN">FLEXICAV SAVINGS PLAN</a> <br><a href="/en/individuals/products-and-services/save/Pages/youth-savings.aspx" title="BIL KIDS FUTURE LIFE INSURANCE">BIL KIDS FUTURE LIFE INSURANCE</a></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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-young/Pages/index.aspx" title="B-Young">B-Young Savings account</a> 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><a class="btn-default" href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=PAGE-BILLY_CLUB&utm_content=C2A-PRENDRE-RDV&utm_term=EER-RDV">Arrange a meeting</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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx" title="V PAY Servicard">V PAY Servicard</a> 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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur" title="ATMs in Luxembourg">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-<a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a> 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">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="https://parc-merveilleux.lu/" 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 is-silver"> <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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> 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"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a> to open a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> savings plan</li> </ul> </div> </li> </ul> </div> </div> <!-- section : contact --> <div data-section="How to apply?" class="section-default"> <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="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=BILLY-CLUB&utm_content=PAGE-RDV">Make an appointment</a></p> </div> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/enfants-fr"></div> </div>
B-young (12-17 years old)https://www.bil.com/en/individuals/dedicated-offers/b-youngB-young (12-17 years old)<main> <section class="mission byoung"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="mission-text"> <h1 style="opacity:1;">Special for teens<br>aged 12-17</h1> <h2 style="text-align:left;">B-young <br>Be<span id="mission-value" class="young">talented</span></h2> <a href="#b-active" class="link-arrow scrolltolink" id="mission-scroll" style="opacity:1;">Plus d'informations</a> </div> </div> </div> </div> </div> </section> <img src="/PublishingImages/site-particuliers/byoung/iphone-applepay.png" class="byoung-iphone-applepay"> <section class="advantages byoung" id="b-young"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">BECOME MORE INDEPENDENT!</h1> <p class="body intro-body text-center">Aged between 12 and 17 and want greater freedom in how you manage your money or maximum security for your savings? <br><strong>B-young is made for you!</strong></p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <a href="#carte" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-particuliers/byoung/bil-banque-luxembourg-compte.svg" alt=""> <p class="body text-center">Your first <b>account</b> and BIL V Pay Young <b>debit card</b> for free</p> </div> <div class="col-md-4"> <a href="/en/individuals/products-and-services/save/Pages/youth-savings.aspx?utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-EPARGNE-JEUNE" target="_blank" class="overlay-link"></a> <img src="/PublishingImages/site-particuliers/byoung/bil-banque-luxembourg-compte-epargne.svg" alt=""> <p class="body text-center"><b>Youth savings account</b> with a preferential rate</p> </div> <div class="col-md-4"> <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx?utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-BILnet" class="overlay-link" target="_blank"></a> <img src="/PublishingImages/site-particuliers/byoung/bil-banque-luxembourg-bilnet.svg" alt=""> <p class="body text-center">Simple and secure <b>BILnet</b> online banking service</p> </div> </div> <div class="row row-small-icons"> <div class="col-md-6"> <!--a href="#" class="overlay-link scrolltolink"></a--> <img src="/PublishingImages/site-all/icons/apple-pay.svg" alt="Icône apple pay" style="border: solid 1px white; border-radius: 6px; padding: 15px; width: 90px;"> <p class="body text-center">Pay in a safe, fast way with <strong>Apple Pay</strong></p> </div> <div class="col-md-6"> <a href="#flexicav" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-particuliers/byoung/bil-banque-luxembourg-epargne.svg" alt=""> <p class="body text-center">Benefit from <b>savings solutions</b> and tax benefits to help you prepare your future with confidence</p> </div> <!-- <div class="col-md-4"> <a href="#profitez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-particuliers/byoung/bil-banque-luxembourg-coupon.svg" alt=""> <p class="body text-center">Enjoy discounts and <b>special offers</b> on your outings and leisure activities anywhere in Europe!</p> </div>--> </div> <div class="row"> <div class="col-md-12 flexbox-center"> <a href="#devenir-client" class="scrolltolink btn btn-blue">Arrange a meeting</a> </div> </div> </div> </section> <div class="separator"></div> <section class="projects byoung"> <div class="container"> <div class="row" id="carte"> <div class="col-md-4"> <img src="/PublishingImages/site-particuliers/byoung/compte-courant-jeune.png" alt="" style="max-height: 325px; width: auto;"> </div> <div class="col-md-8"> <div class="content"> <h1>Youth current account</h1> <h2>Your first current account for hassle-free secure money management</h2> <ul> <li><b>Free current account</b></li> <li><b>Non-frozen account</b>: you can use your available money freely to make your purchases</li> <li><b>No nasty surprises</b>: overdrafts are not authorised for this current account</li> <li>Manage your money <b>securely</b> with <b>complete freedom</b></li> <li>Send and receive money quickly via your smartphone with <b>Payconiq</b> (available under certain conditions from 15 years on, information in BIL branches)</li> </ul> </div> </div> </div> <div class="row"> <div class="col-md-8"> <div class="content"> <h1>Youth Savings account</h1> <h2>The ideal solution for your savings</h2> <ul> <li><b>No management fees</b></li> <li><b>Attractive returns</b>: preferential interest rate</li> <li><b>Easy to use</b>: it’s really easy for you, your friends, and your family to make regular or one-off payments to the account via bank transfer or standing order</li> <li><b>Secure savings</b>: as a rule, the capital and interest is frozen until your 18<sup>th</sup> birthday</li> <li><b>An account that grows with you</b>: the Youth Savings account becomes the Youth Savings Plus account when you turn 18</li> </ul> </div> </div> <div class="col-md-4"> <img src="/PublishingImages/site-particuliers/byoung/epargne-cochon.png" alt="" style="max-height: 325px; width: auto;"> </div> </div> <div class="row" id="carte" style="margin-bottom:0;"> <div class="col-md-4"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_3D-VpayGrafitti_RECTO.png" alt="" style="max-height: 325px; width: auto;"> </div> <div class="col-md-8"> <div class="content"> <h1>BIL V PAY Young</h1> <h2>A completely free card for under 18s!</h2> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">A REAL DEBIT CARD</h3> <div class="list-accordion-content"> <p>Withdrawals from Servibank+ ATMs and all V PAY ATMs in Luxembourg (free) and Europe. Payments in all shops in Luxembourg and Europe.</p> </div> </li> <li> <h3 class="list-accordion-title">EASY TO USE</h3> <div class="list-accordion-content"> <p>You can use your card to check your account balance at any time. Your balance and most recent transactions made can also be accessed in the <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" target="_blank">BILnet</a> online banking service.</p> </div> </li> <li> <h3 class="list-accordion-title">SECURE TRANSACTIONS</h3> <div class="list-accordion-content"> <p>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 current account. Finally, if the card is lost or stolen it can be cancelled simply by calling + 352 49 10 10 (24/7).</p> </div> </li> </ul> </div> </div> </div> <!--div class="row carte-perso" id="carte" style="margin-bottom:0;"> <div class="col-md-8"> <div class="content"> <h2>Exclusive in Luxembourg:<br> customise your debit card!</h2> <p>Having a personalised card is easy! All you have to do is upload one of your own images or select a picture from our gallery.</p> <p>Don’t wait to put your stamp on yours!</p><br> <a href="https://www.bil.com/BILnet/index-en.html?redirect=requestPhotoCard&utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-PERSONNALISER-CARTE-VPAY" target="_blank" class="btn btn-violet-revert">Customise your card!*</a> <p><small>*Only for clients aged 15 and over, with Luxembourgish nationality and resident in Luxembourg.</small></p> </div> </div> <div class="col-md-4"> <img src="/PublishingImages/site-particuliers/byoung/carte-perso.png" alt="" style="max-height: 325px; width: auto;"> </div> </div--> </div> </section> <section class="client byoung" id="devenir-client"> <div class="container"> <h1>How to become a client?</h1> <div class="row" style="padding-bottom:40px;"> <div class="col-md-4 col-md-offset-2"> <p><b style="color:#702f8a">You can open an account on your own, if:</b></p> <ul> <li>You are over 15;</li> <li>You are a Luxembourg resident;</li> <li>You are a Luxembourg citizen.</li> </ul> </div> <div class="col-md-6"> <p><b style="color:#702f8a">With your legal representative(s) if:</b></p> <ul> <li>You are under 15 and/if;</li> <li>You are not a Luxembourg resident and/if;</li> <li>You are not a Luxembourg citizen.</li> </ul> </div> </div> <a href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-RDV" class="btn btn-blue" target="_blank">I take this opportunity!</a> </div> </section> <section class="flexicav byoung" id="flexicav"> <div class="container"> <div class="row flexicav"> <div class="col-md-4"> <a href="https://youtu.be/wZIV3NrroSQ" target="_blank"> <img src="/PublishingImages/site-particuliers/byoung/flexicav.jpg"> </a> </div> <div class="col-md-8"> <h1>Savings solution for your child!</h1> <h2>Flexicav investment fund savings scheme </h2> <p>To help your child prepare their future with confidence, we propose you our Flexicav solution, an investment fund savings scheme (BIL SICAV) to make your savings grow on the financial markets.</p> <div class="row"> <div class="col-md-6"> <ul> <li>No <b>entry fees</b> for SICAVs</li> <li>No <b>custody fee</b></li> <li><b>Save for your child at your own pace</b> and at your desired <b>level of risk</b></li> </ul> </div> <div class="col-md-6"> <ul> <li><b>Funds remain accessible</b> at all times</li> <li>Your Relationship Manager can offer you <b>tailored advice</b></li> <li>And much more…</li> </ul> </div> </div> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-RDV-FLEXICAV" target="_blank" class="btn btn-blue" style="margin-right:45px;">Arrange a meeting</a> <a href="https://www.bil.com/en/individuals/products-and-services/save/Pages/flexicav.aspx?utm_source=BIL.COM&utm_medium=EN&utm_campaign=B-YOUNG&utm_content=PAGE-FLEXICAV#/flexsimulator" target="_blank" class="btn btn-blue">Find out more</a> </div> </div> </div> </section>
BIL Gold (for students aged 18-29)https://www.bil.com/en/individuals/dedicated-offers/gold-studentBIL Gold (for students aged 18-29)<style> .resume .table .table-cell-5 { height: 295px; } .cards .table-container .table-part { width: 26% !important; } @media screen and (min-width: 992px){ .cards .table-container .table-part { width: 26% !important; }} @media screen and (min-width: 768px){ .cards .table-container .table-part { width: 34% !important; }} @media screen and (max-width: 767px){ .cards .table-container .table-part { width: 100% !important; }} </style> <main> <section class="mission"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="mission-text"> <h1>Special offer for students<br> aged 18-29</h1> <h2>BIL Gold for students, <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">BIL Gold 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="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-B-STUDENT&utm_content=C2A-OUVRIR-UN-COMPTE-B-STUDENT&utm_term=EER-PDT" class="btn btn-white-revert">Open a BIL Gold 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 BIL Gold 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 150 free when you first take out a <strong> 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>accounts 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">Your <b>rental guarantee</b> completely <b>free of charge</b> and the <b>recurring commission offered</b>!</p> </div> </div> <div class="row row-small-icons"> <div class="col-md-4"> <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 your <strong>online banking service BILnet</strong></p> </div> <div class="col-md-4"> <!--a href="" class="overlay-link scrolltolink"></a--> <div style="border: solid 1px white; border-radius: 6px; padding: 15px; width: 210px;text-align: center;margin: 0 auto;"><img style="float:left;" src="/PublishingImages/site-all/icons/apple-pay.svg" alt="Apple Pay"> <img src="/PublishingImages/site-all/icons/google-pay.svg" alt="Google Pay"></div> <p class="body text-center">Pay in a safe, fast way with <strong>Apple Pay / Google Pay</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="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-B-STUDENT&utm_content=C2A-OUVRIR-UN-COMPTE-B-STUDENT&utm_term=EER-PDT" class="btn btn-white">Open a BIL Gold 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 BIL Gold 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">In the rest of the world</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"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Vpay_RECTO_horizontal.png" class="card-image" alt="BIL V Pay"> <span class="tab">Free</span> <h1>BIL V Pay</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">In the rest of the world</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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-VPAY" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VPAY'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-fr.html?redirect=commandeCarte&Parameter=VP" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VPAY'});" class="link">Already a client?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Classic_RECTO.png" class="card-image" alt="BIL Visa Classic"> <span class="tab">Free<i class="disclaimer-number">2</i></span> <h1>BIL 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">In the rest of the world</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="right"></span><p>(from EUR 100 and up to EUR 500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-STUDENT&utm_campaign=B-STUDENT&utm_content=C2A-CARTE-VISA-CLASSIC" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VISA-CLASSIC'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-fr.html?redirect=commandeCarte&Parameter=VCC" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VISA-CLASSIC'});" class="link">Already a client?</a></div> </div> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Gold_RECTO.png" class="card-image" alt="BIL Visa Gold"> <span class="tab">Free<i class="disclaimer-number">2</i></span> <h1>BIL Visa Gold</h1> <p>A credit card for withdrawals and payments in Luxembourg and abroad with all the Gold benefits of Visa.</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">In the rest of the world</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Possibility of paying in instalments</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 5,000)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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 2,500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-noheight"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILcom&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-VISA-GOLD" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VISA-GOLD'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VGG" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VISA-GOLD'});" 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 your online banking service BILnet</h1> <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> <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 150 gift when you take out your first student loan</li> <li>Repayment may begin two years after you complete your studies and be spread over 10 years</li> </ul> <a href="/en/individuals/questions-and-contact/Pages/Index.aspx" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CONTACT', 'Action': '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>The recurring commission is offered</li> <li>You benefit from a preferential interest rate until your 25th birthday</li> <li>We waive all application fees</li> </ul> <a href="/en/individuals/questions-and-contact/Pages/Index.aspx" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CONTACT', 'Action': '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 epargne-list"> <div class="col-md-4 col-md-offset-2"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/epargne-plus-icon.svg" alt="Icône épargne"> </div> <h1>Savings <span>Plus</span> Account<i class="disclaimer-number">1</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="/en/individuals/products-and-services/save/Pages/savings-accounts.aspx" class="link">Find out more</a> </div> </div> <div class="col-md-4"> <div class="epargne-type"> <div class="epargne-type-picture"> <img src="/PublishingImages/site-all/icons/wustenrot-icon.svg" alt="Icône logement"> </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">3</i></span> <a href="/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx" class="link">Find out more</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 <b>Savings Plus</b><i class="disclaimer-number">1</i> account <b style="color:#1B8652;">or to the mortgage-saving Wüstenrot</b>, you become eligible for a government guarantee.<br> Save <strong>EUR 290/year</strong> 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> </div> </div> </div> </section> <section class="reductions" id="profitez"> <div class="container"> <div class="row"> <div class="col-md-12 mb50"> <p class="title"><b>Are you between 18 and 24 years old and would you like to take advantage of benefits in Luxembourg and Europe? Good news!</b></p><br> <p class="intro-body">As a way of saying thank you for your recent subscription to the <b>BIL Gold package</b>, we'll pay the <b>first year's fee for your European Youth Card</b>.</p> <p class="intro-body">It's really simple to take up the offer: Just visit: <a href="https://cartejeunes.lu/commande/?supplier=bil" target="_blank">cartejeunes.lu/go/bil</a> and sign up for the card. When choosing your payment method, select BIL and enter your personal code sent by mail.</p> </div> <div class="col-md-6"> <h1 class="title mb30">FOUR GOOD REASONS<br>TO GET A YOUTH CARD</h1> <ul> <li><img src="/PublishingImages/site-particuliers/bstudent/house.svg" class="iconcje"> Enjoy great benefits at your favourite stores and lots of other places</li> <li><img src="/PublishingImages/site-particuliers/bstudent/luxembourg.svg" class="iconcje"> Find exciting things to do in Luxembourg</li> <li><img src="/PublishingImages/site-particuliers/bstudent/europe.svg" class="iconcje"> Discover Europe and enjoy thousands of benefits across 38 countries</li> <li><img src="/PublishingImages/site-particuliers/bstudent/umbrella.svg" class="iconcje"> Insurance from Europ Assistance gives you peace of mind when travelling</li> </ul> <div class="text-center"> <a href="https://cartejeunes.lu/commande/?supplier=bil" target="_blank" class="btn btn-violet-revert">Find out more</a> </div> </div> <div class="col-md-6"> <img class="reduc" src="/PublishingImages/site-particuliers/bstudent/reduc.png"> </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 BIL Gold 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-5 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-3"> <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"> BIL V Pay </div> <div class="table-cell"> BIL Visa Classic </div> <div class="table-cell table-cell table-cell-grey"> BIL Visa Gold </div> <div class="table-cell table-cell-2"> Withdrawals with debit card outside BIL automatic teller machines </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"> 1 free cash withdrawal/month in EUR and other currencies within Europe </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"> Application fees on personal loans </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> -50% </div> </div> </div> <div class="table-part-header"> <div class="table-cell"> <span class="small-title">Loan</span><p>Student loan</p> </div> </div> <div class="table-part-split space-bottom"> <div class="split-1"> <div class="table-cell table-cell-grey"> Student loan </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> EUR 150 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 app </div> <div class="table-cell"> Payconiq </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> </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 BIL Gold package now! Or call us on <br><a onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'CONTACT', 'Action': 'TEL'});" href="tel:+35245905000">+352 4590-5000</a></p> </div> <div class="col-md-7 col-md-offset-1" style="text-align:center;"> <h1 style="color: #702f8a; padding: 20px 0; font-size: 20px; font-weight: 600;">Not a client yet?</h1> <a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-B-STUDENT&utm_content=C2A-OUVRIR-UN-COMPTE-B-STUDENT&utm_term=EER-PDT" class="btn btn-violet">Open a BIL Gold account</a> <a href="/en/individuals/questions-and-contact/Pages/appointment.aspx?&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 class="col-md-2" style="text-align:center;"> <h1 style="color: #702f8a; padding: 20px 0; font-size: 20px; font-weight: 600;">Already client?</h1> <a href="https://bilnet.lu.bil.com/Authentication.mvc/LogOn?LogOnMode=TIT&LogOnVersion=OrelyMobile&ToArea=Main&ToController=Packages&ToAction=List" class="btn btn-violet-revert" title="Apply online">Apply online</a> </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.snapchat.com/add/bil_lux" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': 'SNAPCHAT'});" class="social-link-snapchat"><i class="fa fa-snapchat" aria-hidden="true"></i></a></li> <li><a href="https://www.instagram.com/bil_lux" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': '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://tiktok.com/@bil_luxembourg" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': 'TIKTOK'});" target="_blank"><img src="/PublishingImages/site-all/tiktok.png" alt="TikTok 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> <li>Offer subject to approval of your application.</li> </ul> </div> </div> </div> </div> </main> <div class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/etudes-fr"></div> </div> <div style="display:none;" id="menu-revamp-plus"> <li> </li> </div>
BIL Gold (for young professionals aged 18-29)https://www.bil.com/en/individuals/dedicated-offers/gold-activeBIL Gold (for young professionals aged 18-29)<style> .cards .table-container .table-part { width: 26% !important; } @media screen and (min-width: 992px){ .cards .table-container .table-part { width: 26% !important; }} @media screen and (min-width: 768px){ .cards .table-container .table-part { width: 34% !important; }} @media screen and (max-width: 767px){ .cards .table-container .table-part { width: 100% !important; }} </style> <main> <section class="mission-active"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="mission-text"> <h1>Package reserved for young professionals<br> aged 18 and 29</h1> <h2>BIL Gold 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">BIL Gold 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="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-OUVRIR-UN-COMPTE-B-ACTIVE&utm_term=EER-PDT" class="btn btn-white-revert">Open a BIL Gold 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 BIL Gold 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/money-transfert.svg" alt="Icône maison"> <p class="body text-center"><strong>Free and unlimited instant</strong> transfers</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 BIL net 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 and <strong>tax-deductible</strong> financial products</p> </div> <div class="col-md-3"> <!--a href="#" class="overlay-link scrolltolink"></a--> <div style="border: solid 1px white; border-radius: 6px; padding: 15px; width: 210px;text-align: center;margin: 0 auto;"><img style="float:left;" src="/PublishingImages/site-all/icons/apple-pay.svg" alt="Apple Pay"> <img src="/PublishingImages/site-all/icons/google-pay.svg" alt="Google Pay"></div> <p class="body text-center">Pay in a safe, fast way with <strong>Apple Pay / Google Pay</strong></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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?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 BIL Gold 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 BIL Gold, 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">In Europe</div> <div class="table-cell table-cell-title">In the rest of the world</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">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"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Vpay_RECTO_horizontal.png" class="card-image" alt="BIL V pay"> <span class="tab">Free</span> <h1>BIL V Pay</h1> <p>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">In the rest of the world</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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-VPAY" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VPAY'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VP" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VPAY'});" class="link">Already a client ?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Classic_RECTO.png" class="card-image" alt="BIL Visa Classic"> <span class="tab">Free<i class="disclaimer-number">2</i></span> <h1>BIL 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">In the rest of the world</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="right"></span><p>(from EUR 100 and up to EUR 500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILCOM&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-VISA-CLASSIC" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VISA-CLASSIC'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VCC" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VISA-CLASSIC'});" class="link">Already a client ?</a></div> </div> <!-- Visa Gold --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Gold_RECTO.png" class="card-image" alt="BIL Visa Gold"> <span class="tab">Free<i class="disclaimer-number">2</i></span> <h1>BIL Visa Gold</h1> <p>A credit card for withdrawals and payments in Luxembourg and abroad with all the Gold benefits of Visa.</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">In the rest of the world</span><span class="right"></span></div> <div class="table-cell table-info-card-3"><span class="mobile-text">Possibility of paying in instalments</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 5,000)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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 2,500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-noheight"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?lang=en&utm_source=BILcom&utm_medium=PAGE_B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-CARTE-VISA-GOLD" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-NON-CLIENT', 'Action': 'VISA-GOLD'});" class="btn btn-violet"><p>Subscribe</p></a></div> <div class="table-cell table-no-border"><a href="https://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VGG" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CARDS-CLIENT', 'Action': 'VISA-GOLD'});" class="link">Already a client ?</a></div> </div> </div> </div> </div> </div> </section> <div class="separator"></div> <section class="projects" id="bilnet"> <div class="container"> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/bactive/bilnet-visuel.jpg" alt="Image femme avec smartphone"> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>MANAGE YOUR ACCOUNTS AT ANY TIME AND FROM ANYWHERE WITH YOUR ONLINE BANKING SERVICE BILNET</h1> <ul> <li>Direct, easy and secure access to your accounts</li> <li>Log in to your accounts from any computer or mobile device</li> <li>View and manage your accounts anytime, anywhere</li> </ul> <a href="/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx?utm_source=LPB-active&utm_medium=CTA-BILnet&utm_campaign=B-active2018" class="link-arrow">Consulter</a> </div> </div> </div> </div> </div> </section> <!--<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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking service">BILnet</a> 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 online banking service</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 online banking service</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>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">2</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="/en/individuals/products-and-services/borrow/moving-in-loan/Pages/Index.aspx">Consulter</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">1</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">3</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">3</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">3</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="gtag('event', 'B-ACTIVE', { 'Categorie': 'EN-SAVOIR-PLUS', 'Action': '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">4</i></h1> <p><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> is an investment fund savings scheme for people wanting to invest continuously on the financial markets.</p> <span><strong><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> is right for me because</strong><br> <p>I want to invest regularly without worrying about fund management.</p></span> </div> <a href="/en/individuals/products-and-services/save/Pages/flexicav.aspx" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'LINK', 'Action': 'FLEXICAV'});" class="link-arrow"></a> </li> <li> <div> <h1>BIL structured products<i class="disclaimer-number">4</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="gtag('event', 'B-ACTIVE', { 'Categorie': 'LINK', 'Action': 'BSP'});" class="link-arrow"></a> </li> <li> <div> <h1>Invest<i class="disclaimer-number">4</i></h1> <p>An investment fund suited to today's challenges. BIL Invest offers dynamic asset management that combines performance with risk management.</p> <span><strong>BIL Invest 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="/en/individuals/products-and-services/invest/Pages/funds.aspx" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'LINK', 'Action': 'INVEST'});" class="link-arrow"></a> </li> </ul> <a href="/en/individuals/questions-and-contact/Pages/Index.aspx" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CONTACT', 'Action': 'INVESTISSEMENT'});" class="btn btn-violet-revert">Contact a relationship manager about this offering</a> </div> </div> </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 BIL Gold 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-3 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-2 space-bottom"> <img src="/PublishingImages/site-all/icons/wallet-table.svg" alt="Wallet icon"> <p>Tax products</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"> 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"> Subject to certain conditions </div> </div> </div> <div class="table-part-header"> <div class="table-cell"> <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 table-cell-grey"> First loan installment and personnal loan </div> </div> <div class="split-2"> <div class="table-cell table-cell-grey"> 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"> BIL V Pay </div> <div class="table-cell"> BIL Visa Classic </div> <div class="table-cell table-cell-grey"> BIL Visa Gold </div> <div class="table-cell table-cell-3"> 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 </div> <div class="table-cell table-cell-3"> 1 free per month </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> </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 BIL Gold package now! Or call us on <br><a href="tel:+35245905000" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'CONTACT', 'Action': 'TEL'});">+352 4590-5000</a></p> </div> <div class="col-md-7 col-md-offset-1" style="text-align:center;"> <h1 style="color: #702f8a; padding: 20px 0; font-size: 20px; font-weight: 600;">Not a client yet?</h1> <a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-B-ACTIVE&utm_campaign=B-ACTIVE&utm_content=C2A-OUVRIR-UN-COMPTE-B-ACTIVE&utm_term=EER-PDT" class="btn btn-violet">Open a BIL Gold account</a> <a href="/en/individuals/questions-and-contact/Pages/appointment.aspx?&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 class="col-md-2" style="text-align:center;"> <h1 style="color: #702f8a; padding: 20px 0; font-size: 20px; font-weight: 600;">Already client?</h1> <a href="https://bilnet.lu.bil.com/Authentication.mvc/LogOn?LogOnMode=TIT&LogOnVersion=OrelyMobile&ToArea=Main&ToController=Packages&ToAction=List" class="btn btn-violet-revert" title="Apply online">Apply online</a> </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.snapchat.com/add/bil_lux" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': 'SNAPCHAT'});" class="social-link-snapchat"><i class="fa fa-snapchat" aria-hidden="true"></i></a></li> <li><a href="https://www.instagram.com/bil_lux" onclick="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': '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="gtag('event', 'B-ACTIVE', { 'Categorie': 'SOCIAL', 'Action': '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://tiktok.com/@bil_luxembourg" onclick="gtag('event', 'B-STUDENT', { 'Categorie': 'SOCIAL', 'Action': 'TIKTOK'});" target="_blank"><img src="/PublishingImages/site-all/tiktok.png" alt="TikTok 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> <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 class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr"></div> </div> <div style="display:none;" id="menu-revamp-plus"> <li> </li> </div>
Bordershttps://www.bil.com/en/individuals/dedicated-offers/cross-borderBorders <link rel="stylesheet" href="/Style%20Library/BIL/CSS/new-packages.css"> <!-- 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-<a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a>. 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a> from the 30 situated in the heart of the country and the 10 located along the borders</strong>. </p> <p>Our <strong><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branches</a>’ 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 --> <!-- section : 2 --> <!-- section : tableau des offres --> <div data-section="Vue d'ensemble" class="section-default is-small"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Choose an account!</h2> </div> <div> <div id="tableau-offres" method="get" action="#"></div> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/traductions-packages.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/parameters-packages.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/jquery.serialtemplate.js"></script> <script type="text/javascript"> $('#tableau-offres').serialtemplate({ pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/templates/packages.html', language: 'en' }); </script> </div> </div> </div> <!-- section : 3 --> <div data-section="<a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking>online banking</a> 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet</a> client area. You can also use all the features offered by <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-account.aspx" title="online account">QuickBanking TM</a> 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-active/Pages/index.aspx" title="B-Active package">B-Active package</a>.</p> <p><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-active/Pages/index.aspx" title="B-Active package">B-Active </a> offers you a whole host of benefits until your 30th birthday:</p> <ul class="list-check"> <li><strong>A no-charge <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/current-accounts.aspx" title="Current accounts">current account</a></strong></li> <li><strong>Free bank cards</strong></li> <li><strong>The <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet</a> 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="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=CROSS-BORDER&utm_content=PAGE-RDV">Make an appointment</a></p> </div> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr"></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"> <div class="page-wrapper"> <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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">CONTACTE-NOS</a></p> </div> </div> <!-- section : 2 --> <div data-section="Conte-nos sobre seu projeto" class="section-default is-silver"> <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: Será capaz de exprimir as suas necessidades da forma mais exacta possível? Será 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 compreenderá e antecipará as suas necessidades específicas (transferências de dinheiro, aquisição de imóveis em Portugal, projecto de reforma em Portugal...).</p> <p><a class="btn-default" href="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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 : tableau des offres > <div class="section-default is-small"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Escolha uma oferta do seu agrado!</h2> </div> <div> <div id="tableau-offres" method="get" action="#"></div> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/traductions-tableauoffres.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/parameters-tableauoffres.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/jquery.serialtemplate.js"></script> <script type="text/javascript"> $('#tableau-offres').serialtemplate({ pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/templates/tableauoffres.html', language: 'pt' }); </script> </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 (Tarifa geral, BIL Gold e BIL Platinum) 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 BIL V PAY e BIL V PAY Young</strong> : para levantar dinheiro nas caixas automáticas, depositar dinheiro nas caixas automáticas Servibank+ e efectuar pagamentos electrónicos seguros.</li> <li><strong>Cartões de crédito BIL Visa</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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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 Payconiq</strong> : transforme o seu telemóvel num verdadeiro meio de pagamento! Graças à aplicação Payconiq, 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 Payconiq Transfer.</li> </ul> <p><a class="btn-default" href="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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 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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="CONTACTE-NOS">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="/en/individuals/questions-and-contact/Pages/Index.aspx" title="Tome uma nomeação">Tome uma nomeação</a></p> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr"></div> </div>
Newcomershttps://www.bil.com/en/individuals/dedicated-offers/newcomersNewcomers<link rel="stylesheet" href="/Style%20Library/BIL/CSS/new-packages.css"> <!--style> .cards .table-container .table-part { width: 26% !important; } @media screen and (min-width: 992px){ .cards .table-container .table-part { width: 26% !important; }} @media screen and (min-width: 768px){ .cards .table-container .table-part { width: 34% !important; }} @media screen and (max-width: 767px){ .cards .table-container .table-part { width: 100% !important; }} </style--> <main> <section class="mission-na"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="mission-text"> <h1>Exclusive offers for newcomers</h1> <h2><span id="mission-value" class="na">Moien,</span><br>Welcome to<br>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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/become-client/Pages/Index.aspx?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="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 id="tableau-offres" method="get" action="#"></div> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/traductions-packages.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/parameters-packages.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/Scripts/jquery.serialtemplate.js"></script> <script type="text/javascript"> $('#tableau-offres').serialtemplate({ pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style%20Library/BIL/templates/packages.html', language: 'en' }); </script> </div> </section> <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-4 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-4 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-4 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="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"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Vpay_RECTO_horizontal.png" class="card-image" alt="BIL V pay"> <span class="tab">Free and customisable</span> <h1>BIL V Pay</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>BIL V Pay 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/bank-cards/Pages/V-Pay.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="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?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://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VP" class="link">Already a client?</a></div> </div> <!-- Visa Classic --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Classic_RECTO.png" class="card-image" alt="BIL Visa Classic"> <span class="tab">Included in the BIL City and BIL World packages</span> <h1>BIL 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/bank-cards/Pages/Index.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/check.svg"><p>(from EUR 100 and up to EUR 500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></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="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?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://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VCC" class="link">Already a client?</a></div> </div> <!-- Mastercard Gold --> <div class="table-part"> <div class="table-header"> <img src="/PublishingImages/site-particuliers/VISA/BIL-VISA_Gold_RECTO.png" class="card-image" alt="BIL Visa Gold"> <span class="tab">Included in the BIL World package</span> <h1>BIL Visa 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 5,000)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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 2,500 per item)<br><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-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="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/Visa/terms-conditions-VISA-EN.pdf" target="_blank" class="table-link">General terms and conditions</a></p></div> <div class="table-cell table-cell-noheight"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?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://www.bil.com/BILnet/index-en.html?redirect=commandeCarte&Parameter=VGG" 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 <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="BILnet online banking">BILnet</a> 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> </section> <section class="wrappertuto bilnettuto"> <div class="row tutcard" id="carte" style="margin-bottom:0;"> <div class="col-md-8"> <div class="content"> <h2>Need help with BILnet?</h2> <h5>Check out our tutorials!</h5> <a href="/static/bilnetapp/index-en.html?utm_source=BILCOM&utm_medium=HP_EN&utm_campaign=MICROSITE-BILNET" target="_blank" class="btn btn-violet-revert">Discover</a> </div> </div> <div class="col-md-4"> <img src="/PublishingImages/site-particuliers/bilnettuto.png" alt="" style="max-height: 325px; width: auto;"> </div> </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="/en/individuals/questions-and-contact/Pages/Index.aspx" 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>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">1</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">3</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">3</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">3</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">4</i></h1> <p><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/flexicav.aspx" title="Flexicav">Flexicav</a> is an <a href="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" title="Fund and SICAVs">investment fund</a> savings scheme for people wanting to invest continuously on the <a href="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" title="financial markets">financial markets</a>.</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="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" class="link-arrow"></a> </li> <li> <div> <h1>BIL structured products<i class="disclaimer-number">4</i></h1> <p><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/invest/Pages/structured-products.aspx" title="Structured products">Structured products</a> 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>BIL Invest<i class="disclaimer-number">4</i></h1> <p>An <a href="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" title="Fund and SICAVs">investment fund</a> suited to today's challenges. BIL Invest offers dynamic asset management that combines performance with risk management.</p> <p><strong>BIL Invest 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="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" class="link-arrow"></a> </li> </ul> <a href="/en/individuals/products-and-services/invest/funds/Pages/Index.aspx" 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:+35245905000">+352 4590-5000</a></p> <div class="flexbox-center"> <a href="/en/individuals/questions-and-contact/Pages/appointment.aspx?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>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 class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr"></div> </div> <div style="display:none;" id="menu-revamp-plus"> <li> </li> </div>