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B-young (12-17 years old)

BIL has a range of free products and services on offer exclusively for under 18s.

Advantages

Do you want greater freedom in how you spend your money or maximum security for your savings?
BIL has a range of free products and services on offer exclusively for under 18s:

Youth interest-bearing current account
Youth savings account with a preferential rate
V PAY Graffiti debit card free of charge
The BILnet client area can be accessed on computers, tablets or smartphones
The BILnet mobile app for secure access to the BILnet client area or instant, token-free access to the main functions through QuickBanking^TM
The Digicash app to transform your mobile into a real means of payment
Savings solutions and tax benefits
Special offers and discountson your social outings and leisure activities all over Europe
Prizes to be won all year round

Youth current account

Your first current account for hassle-free money management

No management fees
Interest-bearing current account
Non-frozen account : you can use it freely to make purchases.
No nasty surprises : overdrafts are not authorised for this current account.
Getting to grips with finance : manage your money securely with complete freedom.

Youth Savings account

The ideal solution for your savings

No management fees
Attractive returns : preferential interest rate
Easy to use : it’s really easy for you, your friends and family to make regular or one-off payments to the B-young account.
Secure savings : as a rule, the capital and interest is frozen until your 18th birthday
An account that grows with you : the B-young Savings account becomes the Youth Savings Plus account when you turn 18.

V PAY Graffiti

The completely free card reserved for under 18s!

A real debit card : withdrawals from Servibank+ ATMs and all V PAY ATMs in Luxembourg and Europe. Payments in Luxembourg and Europe.
Easy to use : you can use this card to check your account balance at any time. This information as well as the most recent transactions made can also be accessed in the BILnet client area.
Secure transactions : a PIN is sent when the card is issued. Furthermore, withdrawals and payments can only be made within the limit of available funds in the B-young current account. Finally, if the card is lost or stolen it can be cancelled simply by calling + 352 49 10 10 (24/7).

Request your card

Luxembourg exclusive: customise your debit card!

Having a card in your image is easy! All you have to do is upload one of your own images or select a picture from our gallery.
All of our debit cards can be customised (V PAY Servicard), so why wait to put your stamp on yours!

Customise your card

How to become a client

Are you a Luxembourg resident and under 15?
Are you a non-Luxembourg resident and under 18?

Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”

Are you a Luxembourg resident with the Luxembourg nationality and over 15?

Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”

Make an appointment

Flexicav investment fund savings scheme

Flexicav is an investment fund savings scheme (BIL SICAV) using the financial markets to boost your savings.

You do not incur any charges or entry fees for SICAVs.
Your funds remain accessible at all times.
You can save for your child at your own pace and at your desired level of risk.
Your relationship manager can offer you advice tailored to you.
You contribute to Flexicav by standing order from your current or savings account to raise funds.
Your payments buy investment fund shares deposited in a securities account.
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.