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Youth

 

 

Billy Club (0-11 years old)https://www.bil.com/en/individuals/dedicated-offers/youth/Pages/billy-club.aspxBilly Club (0-11 years old)<!-- section : 1 --> <div data-section="Billy account" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Benefits offered by the Billy account</h2> <h3 class="title-4">With a Billy account, building up savings for your child couldn’t be easier!</h3> <p>You can open a Billy account on your child’s behalf from birth and until their 12th birthday. The Billy account allows your child to boost their savings from a very young age. </p> <h3 class="title-4">Special offer: 50 euro gift!</h3> <p>You will receive a EUR 50 gift from BIL when your child is born (funds deposited in a Billy account opened in their name)</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Attractive returns</strong>: preferential interest rate</li> <li><strong>Easy to use</strong>: it’s really easy for you, your friends and family to make regular or one-off payments to the Billy account.</li> <li><strong>Secure savings</strong>: the funds and the interest is frozen in your child’s best interests until they reach majority.</li> <li><strong>An account that grows with them</strong>: on your child’s 12th birthday, their Billy account will become a B-Young Savings account that they will be able to pay their own savings into.</li> <li><strong>Getting to grips with finance</strong>: the Billy account offers your child a way of learning about money and savings.</li> </ul> <p>By opening a Billy account, you will also be giving your child access to the Billy Club!</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-BillyClub_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 1 --> <div data-section="New! Deposit card" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Billy Club deposit card</h2> <p class="title-1-description">Teach your child about saving</p> <p>This free V PAY Servicard allows you to deposit banknotes into your child’s savings account 24/7. You can give your child the card with complete peace of mind, as withdrawals, transfers and payments are not permitted.</p> <h3 class="title-3">How?</h3> <ul class="list-check"> <li>Go to one of our <a href="/en/individuals/Pages/contact.aspx#localisateur">Servibank + ATMs in Luxembourg</a></li> <li>Insert your BIL bank card</li> <li>Enter your PIN</li> <li>Choose the deposit function</li> <li>Select the account to credit</li> <li>Deposit the banknotes</li> <li>Once the banknotes have been counted, check and confirm the amount on-screen</li> <li>Add an optional message</li> <li>Collect your receipt; your deposit is booked in real time</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-BillyClub_Depot.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordeon --> <div data-section="Billy Club" class="section-default is-silver"> <div class="page-wrapper"> <h1 class="title-1"> Discover all the advantages of the Billy Club!</h1> <p>All children under 12 who are BIL account holders become members of the Billy Club. Pick up a membership card in-branch to reap all the rewards the Billy Club has to offer and your child will also receive a <strong>welcome gift</strong>! Billy Club members have access to <strong>fixed discounts and special offers with our partners.</strong> They will also have access to competitions organised by BIL, gifts and special events.</p> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Optician New Look</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/newlook.jpg" alt="" style="width: 200px;"></p> <p><a href="http://www.newlook.lu" target="_blank">http://www.newlook.lu</a>.</p> <h4 class="title-4">Where ?</h4> <p>Schifflange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>15% on glasses (frames + glasses)</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Sport Team</h3> <div class="list-accordion-content"> <p>Sport Clothes</p> <h4 class="title-4">Where ?</h4> <p>Schifflange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>20% off across the store</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Bakery O Ribeiro</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/oRibeiro.png" alt="" style="width: 200px;"></p> <p>Bakery, confectionery and sandwich shop</p> <h4 class="title-4">Where ?</h4> <p>Athus (Belgium)</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>100g candy</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Restaurant Pokhara</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/restaurant%20pokhara.JPG" alt=""></p> <p>Indian and Nepalese cuisine - <a href="http://www.restaurantpokhara.com/" target="_blank">www.restaurantpokhara.com</a>.</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>a scoop of ice cream</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Restaurant Au Gourmet</h3> <div class="list-accordion-content"> <p>French cuisine with some Croatian and Luxembourg specialties</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>A soft drink offered to choose from with a children's menu</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Brëllebuttek beim Alain - Optician Alain Schrank</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/brellebuttek.jpg" alt=""></p> <p><a href="http://www.brellebuttek.lu" target="_blank">www.brellebuttek.lu</a>.</p> <h4 class="title-4">Where ?</h4> <p>Rodange</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>-20% on glasses and sunglasses</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">ESTESS – Tennis school</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/estess.jpg" alt=""></p> <p><a href="http://www.estess.org" target="_blank">www.estess.org</a></p> <h4 class="title-4">Where ?</h4> <p>Kockelscheuer</p> <h4 class="title-4">Billy Club offers:</h4> <ul class="list-check"> <li>-10% on tennis lessons at CK Sportcenter Kockelscheuer</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Les Mômes - Clothing store</h3> <div class="list-accordion-content"> <p>A treasure trove of clothing for children up to 18 years old! Find the biggest brands and the latest fashions in a friendly setting where the whole team is there to help. </p> <h3 class="title-4">Where?</h3> <p>Rodange</p> <h3 class="title-4">Billy Club offers:</h3> <ul class="list-check"> <li>15% off across the store</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Parc Merveilleux - Amusement park</h3> <div class="list-accordion-content"> <p><img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Logo-Parc-Merveilleux-transpar.jpg" alt=""></p> <p>Parc Merveilleux is the only theme park in the Grand Duchy of Luxembourg. Come and discover animals from all over the world, amazing play parks, a maze and even animatronic fairy tales! For more information <a href="http://www.parc-merveilleux.lu/index.php/fr/" target="_blank">http://www.parc-merveilleux.lu</a>.</p> <h3 class="title-4">Where?</h3> <p>Bettembourg</p> <h3 class="title-4">Billy Club offers:</h3> <ul class="list-check"> <li>-16%</li> </ul> </div> </li> </ul> </div> </div> <!-- section : expand --> <div data-section="Saving" class="section-default"> <div class="page-wrapper"> <h1 class="title-1">Discover our other savings solutions for children !</h1> <p>In addition to the Billy Account, BIL offers three straightforward, attractive savings solutions. They will enable you to build up a capital reserve for your child while enjoying certain tax benefits.</p> <p>Special offer: EUR 50 for a Juvena, Wüstenrot or Flexicav savings plan opened on the birth of your child (until the child's 2nd birthday).</p> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Juvena junior savings account</h3> <div class="list-accordion-content"> <p>The Juvena junior savings account is a life insurance plan that combines security, flexibility, tax benefits and returns.</p> <p><a class="btn-arrow" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/youth-savings.aspx">More information</a></p> </div> </li> <li> <h3 class="list-accordion-title">Wüstenrot mortgage savings scheme</h3> <div class="list-accordion-content"> <p>The Wüstenrot mortgage savings plan allows you to plan for the future real estate projects of your children, while enjoying attractive tax benefits.</p> <p>You may also use the savings to finance other projects (buying a car, funding studies, etc.) while retaining the tax benefit if the mortgage savings plan has run for at least ten years. <p><a class="btn-arrow" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/mortgage-savings.aspx">More information</a></p> </div> </li> <li> <h3 class="list-accordion-title">Flexicav investment fund savings scheme</h3> <div class="list-accordion-content"> <p>Flexicav is an investment fund savings scheme (BIL SICAV) using the financial markets to boost your savings.</p> <ul class="list-check"> <li>You do not incur any charges or entry fees for SICAVs.</li> <li>Your funds remain accessible at all times.</li> <li>You can save for your child at your own pace and at your desired level of risk.</li> <li>Your relationship manager can offer you advice tailored to you.</li> <li>You credit Flexicav by standing order from your current account or savings account</li> <li>Your payments buy investment fund shares deposited in a securities account.</li> <li>The number of shares you buy in each transaction depends on how much your payments are going to be and on the net asset value of the shares..</li> <li>All you have to do is call in at a branch to open a Flexicav savings plan</li> </ul> </div> </li> </ul> </div> </div> <!-- section : contact --> <div data-section="How to apply?" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply ?</h2> <p class="title-1-description">Get in touch with your relationship manager to consider all the solutions designed with your child in mind.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div>
B-young (12-17 years old)https://www.bil.com/en/individuals/dedicated-offers/youth/Pages/b-young.aspxB-young (12-17 years old)<script> jQuery(document).ready(function($){ //open popup $('.cd-popup-trigger').on('click', function(event){ event.preventDefault(); $('.cd-popup').addClass('is-visible'); }); //close popup $('.cd-popup').on('click', function(event){ if( $(event.target).is('.cd-popup-close') || $(event.target).is('.cd-popup') ) { event.preventDefault(); $(this).removeClass('is-visible'); } }); //close popup when clicking the esc keyboard button $(document).keyup(function(event){ if(event.which=='27'){ $('.cd-popup').removeClass('is-visible'); } }); }); </script> <!-- section : 1 --> <div data-section="Advantages" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Advantages</h2> <p>Do you want greater freedom in how you spend your money or maximum security for your savings?<br>BIL has a range of free products and services on offer exclusively for under 18s:</p> <ul class="list-check"> <li><strong>Youth interest-bearing current account</strong></li> <li><strong>Youth savings account with a preferential rate</strong></li> <li><strong>V PAY Graffiti debit card free of charge</strong></li> <li><strong>The BILnet client area</strong> can be accessed on computers, tablets or smartphones</li> <li><strong>The BILnet mobile app</strong> for secure access to the BILnet client area or instant, token-free access to the main functions through QuickBanking<sup>TM</sup></li> <li><strong>The Digicash app</strong> to transform your mobile into a real means of payment</li> <li><strong>Savings solutions and tax benefits</strong></li> <li><strong>Special offers and discounts</strong>on your social outings and leisure activities all over Europe</li> <li><strong>Prizes to be won</strong> all year round</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="B-Young account" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Youth current account</h2> <p>Your first current account for hassle-free money management</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Interest-bearing current account</strong></li> <li><strong>Non-frozen account</strong> : you can use it freely to make purchases.</li> <li><strong>No nasty surprises</strong> : overdrafts are not authorised for this current account.</li> <li><strong>Getting to grips with finance</strong> : manage your money securely with complete freedom.</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Comptesenligne_EN.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Youth Savings account</h2> <p>The ideal solution for your savings</p> <ul class="list-check"> <li><strong>No management fees</strong></li> <li><strong>Attractive returns</strong> : preferential interest rate</li> <li><strong>Easy to use</strong> : it’s really easy for you, your friends and family to make regular or one-off payments to the B-young account.</li> <li><strong>Secure savings</strong> : as a rule, the capital and interest is frozen until your 18th birthday</li> <li><strong>An account that grows with you</strong> : the B-young Savings account becomes the Youth Savings Plus account when you turn 18.</li> </ul> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_003.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 4 --> <div data-section="V PAY Graffiti" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">V PAY Graffiti</h2> <p>The completely free card reserved for under 18s!</p> <ul class="list-check"> <li><strong>A real debit card</strong> : withdrawals from Servibank+ ATMs and all V PAY ATMs in Luxembourg and Europe. Payments in Luxembourg and Europe.</li> <li><strong>Easy to use</strong> : you can use this card to check your account balance at any time. This information as well as the most recent transactions made can also be accessed in the BILnet client area.</li> <li><strong>Secure transactions</strong> : a PIN is sent when the card is issued. Furthermore, withdrawals and payments can only be made within the limit of available funds in the B-young current account. Finally, if the card is lost or stolen it can be cancelled simply by calling + 352 49 10 10 (24/7).</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/debit-cards.aspx">Request your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_004.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 5 --> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Luxembourg exclusive: customise your debit card!</h2> <p>Having a card in your image is easy! All you have to do is upload one of your own images or select a picture from our gallery. <br>All of our debit cards can be customised (V PAY or V PAY Servicard), so why wait to put your stamp on yours!</p> <p><a href="https://finance.bil.com/BilNetFinancePlugin/Cards.mvc/RequestPhotoCard" class="btn-default">Customise your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_005.jpg" alt=""> </span> </div> </div> </div> <div class="cd-popup" role="alert"> <div class="cd-popup-container"> <p>We are currently performing maintenance to improve the quality of our card personalization tool. The applet will be available as soon as possible. We apologize for any inconvenience.</p> <a href="#0" class="cd-popup-close img-replace"></a> </div> <!-- cd-popup-container --> </div> <!-- cd-popup --> </div> </div> <!-- section : contact --> <div data-section="How to become a client" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to become a client</h2> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">Are you a Luxembourg resident and under 15?<br>Are you a non-Luxembourg resident and under 18?</h3> <p>Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”</p> </div> <div class="sub-column-50"> <h3 class="title-3">Are you a Luxembourg resident with the Luxembourg nationality and over 15?</h3> <p>Your legal representative(s) (as applicable) can open an account on your behalf. To do so, simply make an appointment at a BIL branch and take along your identity documents.”</p> </div> </div> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> </div> </div> </div> <!-- section : 6 --> <div data-section="Flexicav Savings" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Flexicav investment fund savings scheme</h2> <p>Flexicav is an investment fund savings scheme (BIL SICAV) using the financial markets to boost your savings.</p> <ul class="list-check"> <li>You do not incur any charges or entry fees for SICAVs.</li> <li>Your funds remain accessible at all times.</li> <li>You can save for your child at your own pace and at your desired level of risk.</li> <li>Your relationship manager can offer you advice tailored to you.</li> <li>You contribute to Flexicav by standing order from your current or savings account to raise funds.</li> <li>Your payments buy investment fund shares deposited in a securities account.</li> <li>The number of shares you buy in each transaction depends on how much your payments are going to be and on the net asset value of the shares.</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Make an appointment</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Young_006.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : bons plans --> <div data-section="Special offers" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Special offers and discounts</h2> <p>With BIL, you get your European Youth Card free!<br>This card, which is valid for a year, offers numerous advantages for social outings and leisure activities in Europe.</p> <p><a class="btn-default" href="https://www.bil.com/formulaires/en/cij.html" target="_blank">I take this opportunity!</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/CJE.jpg" alt=""> </span> </div> </div> </div> </div> </div>
B-student (18-29 years old)https://www.bil.com/en/individuals/dedicated-offers/youth/Pages/b-student.aspxB-student (18-29 years old)<script> jQuery(document).ready(function($){ //open popup $('.cd-popup-trigger').on('click', function(event){ event.preventDefault(); $('.cd-popup').addClass('is-visible'); }); //close popup $('.cd-popup').on('click', function(event){ if( $(event.target).is('.cd-popup-close') || $(event.target).is('.cd-popup') ) { event.preventDefault(); $(this).removeClass('is-visible'); } }); //close popup when clicking the esc keyboard button $(document).keyup(function(event){ if(event.which=='27'){ $('.cd-popup').removeClass('is-visible'); } }); }); </script> <!-- section : 1 --> <div data-section="Your benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">B-Student offers you a whole host of benefits until your 30th birthday:</h2> <ul class="list-check"> <li><strong>A no-charge current account</strong></li> <li><strong>Free bank cards</strong></li> <li><strong>The BILnet client area</strong> can be accessed on your computer, tablet or smartphone</li> <li><strong>The BILnet mobile app</strong> for secure access to all of your BILnet client area or instant, token-free access to the main functions through QuickBanking TM</li> <li><strong>The Digicash app</strong> to transform your mobile into a real means of payment</li> <li><strong>Savings products</strong> offering preferential rates (18 to 24 ans years)</li> <li><strong>Student financing</strong> with preferential terms</li> <li><strong>Special offers and discounts</strong> on your social outings and leisure activities all over Europe</li> <li><strong>Prizes</strong> to be won all year round</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Student_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <div class="table-1-outer"> <table class="table-1"> <thead> <tr> <th width="20%"></th> <th width="13.333%">B-student</th> </tr> </thead> <tbody> <tr> <th>Charges for 18-29 years old :</th> <td>Free</td> </tr> <tr> <th>Account</th> <td>Free</td> </tr> <tr> <th>BILnet</th> <td>Free</td> </tr> <tr> <th>SMS Banking</th> <td>Free</td> </tr> <tr> <th>Electronic transfers<sup>1</sup></th> <td>Free</td> </tr> <tr> <th>Standing orders<sup>1</sup></th> <td>Free</td> </tr> <tr> <th>Direct Debits<sup>1</sup></th> <td>Free</td> </tr> <tr> <th>Semi-annual statement issuance</th> <td>Free</td> </tr> <tr> <th>Electronic account statements</th> <td>Free</td> </tr> <tr> <th>Paper account statements</th> <td>-</td> </tr> <tr> <th>Debit cards</th> <td>V PAY / Servicard V PAY2<sup>1</sup></td> </tr> <tr> <th>Personalizable cards</th> <td>Free</td> </tr> <tr> <th>Withdrawals with debit card outside BIL automatic teller machines</th> <td>4 free cash withdrawals/month in EUR and other currencies within Europe</td> </tr> <tr> <th>Credit cards<sup>2</sup></th> <td>Visa Classic</td> </tr> <tr> <th>BIL Webcard</th> <td>-</td> </tr> <tr> <th>Token LuxTrust</th> <td>Free</td> </tr> <tr> <th>Overdraft<sup>2</sup></th> <td>-</td> </tr> <tr> <th>Preferential overdraft</th> <td>-</td> </tr> <tr> <th>Security Deposite</th> <td>No charges</td> </tr> <tr> <th>Personal interest rates</th> <td>Rate Reduced</td> </tr> </tbody> </table> </div> <p class="text-mention"> <sup>1</sup> applies only to European transfers<br> <sup>2</sup> subject to application approval<br> </p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> </div> </div> </div> <!-- section : 2 --> <div data-section="Bank cards" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Your bank cards included for free</h2> <ul class="list-check"> <li><strong>Visa Classic credit card</strong>: for deferred billing of your withdrawals and payments in Luxembourg and anywhere in the world. With insurance and assistance services included (particularly travel accident insurance), this card offers an array of advantages with our partners.</li> <li><strong>A customisable V PAY or V PAY Servicard debit card</strong>: to make withdrawals and payments in Luxembourg and Europe while keeping your budget under control (automatic balance consultation before each transaction).</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Visa-Classic.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Luxembourg exclusive: customise your debit card!</h2> <p>Having a card in your image is easy! All you have to do is upload one of your own images or select a picture from our gallery. <br>All of our debit cards can be customised (V PAY or V PAY Servicard), so why wait to put your stamp on yours!</p> <p><a href="https://finance.bil.com/BilNetFinancePlugin/Cards.mvc/RequestPhotoCard" class="btn-default">Customise your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Student_003.jpg" alt=""> </span> </div> </div> </div> <div class="cd-popup" role="alert"> <div class="cd-popup-container"> <p>We are currently performing maintenance to improve the quality of our card personalization tool. The applet will be available as soon as possible. We apologize for any inconvenience.</p> <a href="#0" class="cd-popup-close img-replace"></a> </div> <!-- cd-popup-container --> </div> <!-- cd-popup --> </div> </div> <!-- section : 4 --> <div data-section="Loans" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Student loans (CEDIES): making financing your studies a breeze</h2> <p>Are you pursuing your further, higher or postgraduate studies after having graduated from secondary education? Money shouldn’t stop you from achieving your goals!</p> <p>An agreement between BIL and the Luxembourg government allows us to offer you access to a government student loan : </p> <ul class="list-check"> <li>A loan of up to <strong>EUR 11,350</strong> per year of study depending on your family circumstances, taxable income and the costs incurred</li> <li>A state-subsidised special maximum rate of 2%</li> <li>Hassle-free repayments that can start two years after you complete your studies and extend over a maximum ten-year period</li> </ul> <p>BIL offers you two additional benefits!</p> <ul class="list-check"> <li><strong>EUR 200 gift</strong>: this amount is credited to your current account when you first take out a government student loan.</li> <li><strong>A 0% advance of EUR 3,000</strong>: this optional advance allows you to cover your initial expenses, bridging the gap in the event of a delay in obtaining your government student loan. You will repay this advance three months after your student loan is paid, with no charges incurred.</li> </ul> <h2 class="title-1">How to obtain a government student loan</h2> <ul class="list-check"> <li>1. <a href="http://portal.education.lu/etudes/Home.aspx" target="_blank">Apply online</a> through the Ministry of Higher Education and Research website.</li> <li>2. Then visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice with the student loan acceptance letter from the government.</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/Livres.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 5 --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Do you need an additional loan? Choose BIL College</h2> <p>The BIL College loan meets your additional financing needs so you can complete your university studies. It allows you to take advantage of significant benefits:</p> <ul class="list-check"> <li><strong>A loan of up to EUR 12,500</strong></li> <li><strong>A preferential interest rate</strong> </li> <li><strong>Hassle-free repayments</strong> that can start two years after you complete your studies and extend over a maximum five-year period</li> </ul> <h2 class="title-1">Comment souscrire?</h2> <p>Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice with a certificate of enrolment at a higher education institution.</p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Ordis.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 6 --> <div data-section="Rental deposit" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Rent your apartment more easily thanks to a commission-free rent deposit!<br>What is a rent deposit?</h2> <p>When you sign a rental agreement, your landlord will no doubt ask you to subscribe to a rent deposit scheme. The purpose of this is to secure the payment of the rent, maintenance charges and any costs to repair any damage you may have caused. The amount of the bank guarantee stands at a maximum of three months’ rent. In practice, you pay the funds into an account at your bank and this remains frozen for the duration of the rental agreement. At the end of the rental agreement, the full amount will be available or the sums outstanding to the landlord will be deducted. </p> <h3 class="title-3">BIL’s benefits for under 30s</h3> <p>The benefits of a rent deposit are two-fold:</p> <ul class="list-check"> <li>BIL will not request any fees or commissions to set up or manage the rent deposit scheme.</li> <li>The frozen funds accrue quarterly interest. This interest is paid directly into your current account.</li> </ul> <h3 class="title-3">In practice...</h3> <p>Only one copy of the rental agreement is required.<br>Visit your BIL branch to subscribe to your rent deposit scheme!</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-Student_006.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 6 --> <div data-section="Savings" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Have you thought about your savings?</h2> <p>With the Savings Plus Account, you can build up precautionary savings or capital to put towards a project you’ve got your heart set on. <br>Benefits offered by the Savings Plus Account include:</p> <ul class="list-check"> <li>Preferential interest rate for under 25s</li> <li>Hassle-free regular or one-off payments made through the BILnet client area</li> <li>Unlimited free withdrawals and deposits</li> <li>Interest of up to EUR 1,500 is tax exempt per year for single people and up to EUR 3,000 per year for young couples taxed jointly</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/save/Pages/savings-accounts.aspx">Simulate your savings</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-Student_007.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : bons plans --> <div data-section="Special offers" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Special offers and discounts</h2> <p>With BIL, you get your European Youth Card free!<br>This card, which is valid for a year, offers numerous advantages for social outings and leisure activities in Europe.</p> <p><a class="btn-default" href="https://www.bil.com/formulaires/en/cij.html" target="_blank">I take this opportunity!</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/CJE.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : facebook --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Prizes to be won all year round on Facebook</h2> <p>To hear about all our competitions, just like the BIL Facebook page!</p> <p><a class="btn-default" href="https://www.facebook.com/pages/Banque-Internationale-%C3%A0-Luxembourg-BIL/297442783622934" target="_blank">I like !</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/Cadeau.jpg" alt=""> </span> </div>0 </div> </div> </div> </div> <!-- section : contact --> <div data-section="Subscribe" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Are you interested in the B-student package?</h2> <p class="title-1-description">Take your school attendance certificate and open your B-student account!</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Ask for your package</a></p> <p>or contact us at <strong>+352 4590-3000</strong>.</p> </div> </div> </div>
B-active (18-29 years old)https://www.bil.com/en/individuals/dedicated-offers/youth/Pages/b-active.aspxB-active (18-29 years old)<script> jQuery(document).ready(function($){ //open popup $('.cd-popup-trigger').on('click', function(event){ event.preventDefault(); $('.cd-popup').addClass('is-visible'); }); //close popup $('.cd-popup').on('click', function(event){ if( $(event.target).is('.cd-popup-close') || $(event.target).is('.cd-popup') ) { event.preventDefault(); $(this).removeClass('is-visible'); } }); //close popup when clicking the esc keyboard button $(document).keyup(function(event){ if(event.which=='27'){ $('.cd-popup').removeClass('is-visible'); } }); }); </script> <!-- section : 1 --> <div data-section="Your benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">B-Active offers you a whole host of benefits until your 30th birthday:</h2> <ul class="list-check"> <li><strong>A no-charge current account</strong></li> <li><strong>Free bank cards</strong></li> <li><strong>The BILnet client area</strong> can be accessed on your computer, tablet or smartphone</li> <li><strong>The BILnet mobile app</strong> for secure access to all of your BILnet client area or instant, token-free access to the main functions through QuickBanking TM</li> <li><strong>The Digicash app </strong> to transform your mobile into a real means of payment</li> <li><strong>Savings products</strong> offering preferential rates (18 to 24 ans years)</li> <li><strong>Financing solutions </strong> at preferential rates</li> <li><strong>Special offers and discounts</strong> on your social outings and leisure activities all over Europe </li> <li><strong>Prizes</strong> to be won all year round</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Active_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="table-1-outer"> <table class="table-1"> <thead> <tr> <th width="20%"></th> <th width="13.333%">B-active</th> </tr> </thead> <tbody> <tr> <th>Charges for 18-29 years old :</th> <td>Free</td> </tr> <tr> <th>Account</th> <td>Free</td> </tr> <tr> <th>BILnet</th> <td>Free</td> </tr> <tr> <th>SMS Banking</th> <td>Free</td> </tr> <tr> <th>Electronic transfers<sup>2</sup></th> <td>Free</td> </tr> <tr> <th>Manual transfers<sup>2</sup></th> <td>-</td> </tr> <tr> <th>Standing orders<sup>2</sup></th> <td>Free</td> </tr> <tr> <th>Direct Debits<sup>2</sup></th> <td>Free</td> </tr> <tr> <th>Semi-annual statement issuance</th> <td>Free</td> </tr> <tr> <th>Electronic account statements</th> <td>Free</td> </tr> <tr> <th>Paper account statements</th> <td>-</td> </tr> <tr> <th>Debit cards<sup>3</sup></th> <td>V PAY / Servicard V PAY2<sup>2</sup></td> </tr> <tr> <th>Personalizable cards</th> <td>Free</td> </tr> <tr> <th>Withdrawals with debit cards outside BIL automatic teller machines within Europe</th> <td>2 free/month</td> </tr> <tr> <th>Credit cards<sup>3</sup></th> <td>Visa Classic / MasterCard Blue<sup>3</sup></td> </tr> <tr> <th>Credit cards <sup>3</sup></th> <td>MasterCard Gold free for 2 years!!</td> </tr> <tr> <th>BIL Webcard</th> <td>Free<sup>3</sup></td> </tr> <tr> <th>Token LuxTrust</th> <td>Free</td> </tr> <tr> <th>Preferential credit interest rates</th> <td>Free</td> </tr> <tr> <th>Overdraft<sup>2</sup></th> <td>Free</td> </tr> <tr> <th>Preferential overdraft</th> <td>Preferential rates</td> </tr> <tr> <th>Personal loan application fees</th> <td>Free</td> </tr> <tr> <th>Personal interest rates</th> <td>Reduced charges</td> </tr> <tr> <th>Epargne logement Wüstenrot</th> <td>Preferential rates</td> </tr> <tr> <th>Alizéa</th> <td>Sans frais encaissement</td> </tr> </tbody> </table> </div> <p class="text-mention"> <sup>1</sup> povided that salary payments are made to a BIL account<br> <sup>2</sup> applies only to European transfers<br> <sup>3</sup> with a maximum of 1 cards per account, subject to application approval<br> </p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> </div> </div> <!-- section : 2 --> <div data-section="Bank cards" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Your bank cards included for free</h2> <ul class="list-check"> <li><strong>Visa Classic or MasterCard Blue credit cards</strong>: for deferred billing of your withdrawals and payments in Luxembourg and anywhere in the world. With insurance and assistance services included (particularly travel accident insurance), these cards offer an array of advantages with our partners.</li> <li><strong>A customisable V PAY or V PAY Servicard debit card</strong>: to make withdrawals and payments in Luxembourg and Europe while keeping your budget under control (automatic balance consultation before each transaction).</li> <li><strong>BIL Webcard</strong>: for your low- and medium-value online purchases.</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Visa-Classic.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 3 --> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Luxembourg exclusive: customise your debit card!</h2> <p>Having a card in your image is easy! All you have to do is upload one of your own images or select a picture from our gallery.<br> All of our debit cards can be customised (V PAY or V PAY Servicard), so why wait to put your stamp on yours!</p> <p><a href="https://finance.bil.com/BilNetFinancePlugin/Cards.mvc/RequestPhotoCard" class="btn-default">Customise your card</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/Offresdediees-Jeunes-B-Active_003.jpg" alt=""> </span> </div> </div> </div> <div class="cd-popup" role="alert"> <div class="cd-popup-container"> <p>We are currently performing maintenance to improve the quality of our card personalization tool. The applet will be available as soon as possible. We apologize for any inconvenience.</p> <a href="#0" class="cd-popup-close img-replace"></a> </div> <!-- cd-popup-container --> </div> <!-- cd-popup --> </div> </div> <!-- section : 4 --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">Enjoy a free MasterCard Gold card for 2 years! <sup>1</sup></h2> <p>Are you planning any trips abroad? Make the most of all the benefits associated with MasterCard Gold.</p> <ul class="list-check"> <li><strong>Payments and withdrawals</strong> in Luxembourg and anywhere in the world</li> <li><strong>Repayment of your withdrawals </strong> and spending in customised instalments</li> <li><strong>Purchase protection </strong> of between EUR 100 and EUR 2,200 per item</li> <li><strong>MasterCard travel accident insurance and assistance</strong></li> <li><strong>Trip cancellation insurance</strong> up to EUR 6,000</li> <li><strong>Insurance covering emergency spending</strong> while you are away in the event of delayed or cancelled travel arrangements, missed departures or connections, and lost or delayed baggage.</li> </ul> <p class="text-mention"><sup>1</sup> 1Provided that salary payments are made </p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Open an account</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/MasterCard-Gold.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 5 --> <div data-section="Savings" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Benefit from savings products offering an attractive rate</h2> </div> <div class="grid-adaptive"> <div class="sub-column-33"> <h3 class="title-3">Wüstenrot mortgage savings plan</h3> <p>Plan ahead to finance a property purchase or home renovations</p> <ul class="list-1"> <li><strong>Preferential rate</strong> for young professionals</li> <li><strong>Choice of amount</strong> of monthly contributions </li> <li><strong>Guaranteed returns and easy access</strong> to your savings </li> <li><strong>Possibility, at the end of the plan, to take out a mortgage at an attractive fixed rate</strong> to finance your real estate project in Luxembourg or Germany (rate determined when you join the savings plan)</li> <li><strong>Interest paid not subject to withholding tax </strong> (Luxembourg residents or similar)</li> <li><strong>Pay in a tax-deductible amount of up to EUR 672 per year and per person</strong> belonging to the household for tax purposes (resident or non-resident Luxembourg taxpayers)</li> <li><strong>Have your projects changed over time? </strong> You may also use the savings to finance other projects (purchase of a car, funding studies, etc.) while retaining the tax benefit provided that the mortgage savings scheme has been running for at least 10 years.</li> </ul> </div> <div class="sub-column-33"> <h3 class="title-3">Alizea Perfect supplementary pension</h3> <p>Start saving now to build up a supplementary pension</p> <ul class="list-1"> <li><strong>No collection charges</strong> for young professionals</li> <li><strong>Choice of amount</strong> and payment frequency</li> <li><strong>Risk-free plan with guaranteed returns </strong> (not affected by fluctuations of financial markets)</li> <li><strong>Premiums are tax-deductible up to EUR 1,500 per year </strong> (resident or non-resident Luxembourg taxpayers). If you are married, your spouse can obtain the same benefits by taking out a second plan.</li> </ul> </div> <div class="sub-column-33"> <h3 class="title-3">Savings Plus Account</h3> <p>Build up precautionary savings or capital for a project you’ve got your heart set on</p> <ul class="list-1"> <li><strong>Preferential interest rate</strong> for under 25s</li> <li><strong>Hassle-free regular or one-off payments</strong> made through the BILnet client area</li> <li><strong>Unlimited free withdrawals and deposits</strong></li> <li><strong>Interest of up to EUR 1,500 is tax exempt per year </strong> for single people and up to EUR 3,000 per year for young couples taxed jointly</li> </ul> </div> </div> </div> </div> <!-- section : 6 --> <div data-section="Loans" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Benefit from financing solutions at preferential rates</h2> </div> <div class="grid-adaptive"> <div class="sub-column-40"> <h2 class="title-2">Personal loan/car loan</h2> <ul class="list-check"> <li>Preferential fixed rates for young professionals</li> <li>Choice of loan term of between 1 and 5 years</li> <li>Prompt response to your loan application</li> <li>Loan interest is tax deductible up to EUR 336 per year and per person belonging to the household for tax purposes</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/borrow/Pages/personal-car-loan.aspx">Simulate your personal loan</a></p> </div> <div class="sub-column-40"> <h2 class="title-2">Mortgage</h2> <ul class="list-check"> <li>With no loan application fees for young professionals</li> <li>Historically low interest rates</li> <li>Various subsidies granted by the Luxembourg government (direct capital aid, energy efficiency improvement subsidies, interest subsidies for loan repayment, etc.)</li> <li>Debit interest and mortgage protection insurance premiums are tax-deductible under certain conditions.</li> </ul> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/borrow/Pages/mortgage.aspx">Simulate your housing loan</a></p> </div> </div> </div> </div> <!-- section : bons plans --> <div data-section="Special offers" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">Special offers and discounts</h2> <p>With BIL, you get your European Youth Card free!<br> This card, which is valid for a year, offers numerous advantages for social outings and leisure activities in Europe.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/formulaires/en/cij.html">I take this opportunity!</a></p> <div class="grid-visual-item"> <div class="sub-wrapper"> <span class="sub-visual"> <img src="{%BIL_Internet_Root_URL_Luxembourg%}/PublishingImages/site-particuliers/CJE.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : facebook --> <div class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Prizes to be won all year round on Facebook</h2> <p>To hear about all our competitions, just like the BIL Facebook page!</p> <p><a class="btn-default" href="https://www.facebook.com/pages/Banque-Internationale-%C3%A0-Luxembourg-BIL/297442783622934" target="_blank">I like !</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/Cadeau.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : contact --> <div data-section="Subscribe" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Are you interested in the B-Active package?</h2> <p class="title-1-description">Ensure you have your employment contract and you can open your B-Active package now!</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">Ask for your package</a></p> <p>or contact us at <strong>+352 4590-3000</strong>.</p> </div> </div> </div>