BILnet
en
Trame décorative

Discover our
exclusive range of banking offers

Dive into our selection of banking packages, designed to meet all your financial needs.

❮ ❯
    Find the perfect package for you
    How old are you?
    Under 28 years old
    Over 28 years old
    What is your financial situation?
    Regular income
    Irregular income
    Do you want a credit card?
    Yes
    No
    What is your family situation?
    Single
    Single
    with children
    In a relationship
    In a relationship
    with children
    How often do you travel?
    Less than 3 times a year
    More than 3 times a year
    Question
    1
    /5
    Our recommendation
    BIL Digital
    BIL Gold
    BIL Platinum
    The practical solution for your daily finances: an immediate debit card, usable in stores and online with complete security.
    The ideal banking offer for worry-free travel: multiple payment cards, including the BIL Visa Gold, with comprehensive insurance and assistance for your travels, purchases, and unforeseen events.
    Designed for 18 to 27-year-olds: all the benefits of BIL Gold at EUR 0/month* with the BIL Visa Gold card. Enjoy comprehensive travel insurance and assistance, as well as exclusive benefits to discover the world with peace of mind.
    The ideal solution for a premium experience: high-end cards, extended insurance, and exclusive benefits tailored to your lifestyle.
    VISA Debit
    VISA Debit
    VISA Gold
    VISA classic
    2x VISA Debit
    VISA Platinum
    VISA Gold
    Make BIL your main bank!
    Have your salary paid into your BIL account and benefit from a reduced rate!
    See reduced rate
    i

    Have your salary paid into your BIL account and benefit from a reduced rate.

    Make BIL your main bank!
    Have your salary paid into your BIL account and benefit from a reduced rate.
    We recommend
    BIL Digital
    We recommend
    BIL Gold
    We recommend
    BIL Platinum
    See reduced rates
    i

    Have your salary paid into your BIL account and benefit from a reduced rate.

    We recommend
    BIL Digital
    EUR 5 / month
    Free for the first 12 months, then EUR 3.50* per month and per account provided that a minimum monthly income of EUR 1,500 per month or a minimum of EUR 25,000 of assets are deposited. Otherwise, a fee of EUR 5 per month will apply.
    Free for customers aged 12-17.
    Subscribe Subscribe
    Free for customers aged 12-17.
    We recommend
    BIL Gold
    EUR 11.90 / month
    Free for 18-27 year olds
    A monthly fee of EUR 9.90 will be charged, provided that a minimum of EUR 2,500 is paid into the account during the reference period and booked to the account from which the package fee is debited. Otherwise, a fee of EUR 11.90/month will be applied.
    Subscribe Subscribe
    Free for customers aged 18-27.
    We recommend
    BIL Platinum
    EUR 21.90 / month
    A monthly fee of EUR 19.90 will be charged, provided that a minimum of EUR 4,000 is paid into the account during the reference period and booked to the account from which the package fee is debited. Otherwise, a fee of EUR 21.90/month will be applied.
    Subscribe Subscribe
     
    BANK CARDS
    Bank cards will only be issued once your application has been accepted. Bank cards are not automatically ordered when you subscribe to a package. Once your account has been activated, order the card(s) on BILnet.
    BIL Visa Debit
    BIL Visa Classic
    -
    -
    BIL Visa Gold
    -
    BIL Visa Platinum
    -
    -
    BASIC FEATURES
    Current accounts
    1
    Unlimited
    Unlimited
    Savings accounts
    Unlimited
    Unlimited
    Unlimited
    Investment accounts
    DIGITAL AND ONLINE FEATURES
    BILnet online banking
    LuxTrust Mobile
    Mobile payments Apple Pay, Google Pay
    Monthly electronic statement
    PAYMENTS AND WITHDRAWALS
    Electronic Euro transfers
    Unlimited
    Unlimited
    Unlimited
    Instant transfers
    Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
    Unlimited
    Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
    Unlimited
    Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
    Unlimited
    Cash withdrawals in EUR from bancomat network in Luxembourg
    5 free then EUR 2.50 / operation
    5 free
    10 free then EUR 2 / operation
    10 free
    99 free then EUR 2 / operation
    99 free
    Cash withdrawals in EUR outside bancomat(1) network in Luxembourg
    EUR 2.50 / operation
    2 free then EUR 2 / operation
    2 free
    4 free then EUR 2 / operation
    4 free
    Non-SEPA incoming transfer
    0.20 % of amount min. EUR 5 / max. EUR 40
    0.20 % of amount min. EUR 5 / max. EUR 40
    Unlimited
    Non-SEPA outgoing transfer
    0.15 % min. EUR 5 / max. EUR 100
    0.15 % min. EUR 5 / max. EUR 100
    0.15 % min. EUR 5 / max. EUR 100
    CREDIT FACILITIES
    • The conditions applied to loans depend on your ability to repay, the guarantees provided and the purpose of the loan.
    • The final rate applied will only be known once the application has been analysed.
    • All loans and overdrafts are subject to acceptance of your application.
    Bank guarantee
    2% min. EUR 75 / 0.5% min. EUR 25 per trimester
    for new applications
    Free
    for new applications
    Free
    Authorised overdraft application fee
    1% min. EUR 75
    Free
    Free
    Authorised overdraft rate
    -
    -25 bps
    -50 bps
    Personal loan application fee
    min. EUR 250
    min. EUR 125
    -50%
    min. EUR 125
    -50%
    Mortgage application fee
    0,50% min. EUR 350
    min. EUR 350
    -0,50%
    min. EUR 350
    -25%
    PURCHASE PROTECTION
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    In-store purchase protection
    -
    Up to EUR 2,500 / claim and EUR 5,000 / year
    Up to EUR 5,000 / claim and EUR 10,000 / year
    Online purchase protection
    -
    Up to EUR 1,500 / claim and EUR 5,000 / year
    Up to EUR 2,500 / claim and EUR 10,000 / year
    TRAVEL AND THEFT INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Travel accident
    -
    Up to EUR 200,000 per claim
    Up to EUR 200,000 per claim
    Missed departure
    -
    Up to EUR 750 per claim
    Up to EUR 750 per claim
    Delayed flight
    -
    Up to EUR 200 per claim
    Up to EUR 200 per claim
    Travel cancellation
    -
    Up to EUR 5,000 per claim
    Up to EUR 15,000 per claim
    Flight refund service
    -
    Delayed luggage
    -
    Up to EUR 1,000 per claim
    Up to EUR 1,000 per claim
    Stolen luggage
    -
    Up to EUR 2,500 per claim
    Up to EUR 2,500 per claim
    Travellers assistance
    -
    Medical expenses abroad
    -
    Up to EUR 50,000 per claim
    Up to EUR 250,000 per claim
    Smart Delay
    -
    -
    90 min late = lounge access for you + 3 guests
    Airport lounge access
    -
    -
    2 entries (discount on subsequent entries)
    LoungeKey membership
    -
    -
    Car rental insurance
    -
    -
    Up to EUR 10,000 per claim
    LEISURE INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Ski equipment
    -
    Up to EUR 750 per claim
    Up to EUR 1,000 per claim
    Ski assistance
    -
    EVERYDAY INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Home assistance
    -
    -
    Legal information
    -
    -
    Bike assistance
    -
    -
    Medical assistance
    -
    -
    Smartphone theft cover
    -
    -
    Up to EUR 1,000 per claim
    Car accident and breakdown cover
    -
    -
    Up to EUR 1,000 per claim
    BANK CARDS
    1. Bank cards will only be issued once your application has been accepted. Bank cards are not automatically ordered when you subscribe to a package. Once your account has been activated, order the card(s) on BILnet.
    BIL Visa Debit
    BIL Visa Classic
    -
    -
    BIL Visa Gold
    -
    BIL Visa Platinum
    -
    -
    BASIC FEATURES
    Current accounts
    1
    Unlimited
    Unlimited
    Savings accounts
    Unlimited
    Unlimited
    Unlimited
    Investment accounts
    DIGITAL AND ONLINE FEATURES
    BILnet online banking
    LuxTrust Mobile
    Mobile payments Apple Pay, Google Pay
    Monthly electronic statement
    PAYMENTS AND WITHDRAWALS
    Electronic Euro transfers
    Unlimited
    Unlimited
    Unlimited
    Instant transfers
    Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
    Unlimited
    Unlimited
    Unlimited
    Cash withdrawals in EUR from bancomat network in Luxembourg
    5 free5 free then EUR 2.50 / operation
    10 free10 free then EUR 2 / operation
    99 free99 free then EUR 2 / operation
    Cash withdrawals in EUR outside bancomat(1) network in Luxembourg
    EUR 2.50 / operation
    2 Free2 free then EUR 2 / operation
    4 Free4 free then EUR 2 / operation
    Non-SEPA incoming transferA
    0.20 % of amountmin. EUR 5 / max. EUR 40
    0.20 % of amountmin. EUR 5 / max. EUR 40
    Unlimited
    Non-SEPA outgoing transfer
    0,15% of amountmin. EUR 5 / max. EUR 100
    0,15% of amountmin. EUR 5 / max. EUR 100
    0,15% of amountmin. EUR 5 / max. EUR 100
    CREDIT FACILITIES
    • The conditions applied to loans depend on your ability to repay, the guarantees provided and the purpose of the loan.
    • The final rate applied will only be known once the application has been analysed.
    • All loans and overdrafts are subject to acceptance of your application.
    Bank guarantee
    2% min. EUR 75 / 0.5% min. EUR 25 per trimester
    Freefor new applications
    Freefor new applications
    Authorised overdraft application fee
    1% min. EUR 75
    Free
    Free
    Authorised overdraft rate
    -
    -25 bps
    -50 bps
    Personal loan application fee
    min. EUR 250
    -50%min. EUR 125
    -50%min. EUR 125
    Mortgage application fee
    0,50%min. EUR 350
    0,50%min. EUR 350
    -25%min. EUR 350
    PURCHASE PROTECTION
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    In-store purchase protection
    -
    Up to EUR 2,500 / claim and EUR 5,000 / year
    Up to EUR 5,000 / claim and EUR 10,000 / year
    Online purchase protection
    -
    Up to EUR 1,500 / claim and EUR 5,000 / year
    Up to EUR 2,500 / claim and EUR 10,000 / year
    TRAVEL AND THEFT INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Travel accident
    -
    Up to EUR 200,000 per claim
    Up to EUR 200,000 per claim
    Missed departure
    -
    Up to EUR 750 per claim
    Up to EUR 750 per claim
    Delayed flight
    -
    Up to EUR 200 per claim
    Up to EUR 200 per claim
    Travel cancellation
    -
    Up to EUR 5,000 per claim
    Up to EUR 15,000 per claim
    Flight refund service
    -
    Delayed luggage
    -
    Up to EUR 1,000 per claim
    Up to EUR 1,000 per claim
    Stolen luggage
    -
    Up to EUR 2,500 per claim
    Up to EUR 2,500 per claim
    Travellers assistance
    -
    Medical expenses abroad
    -
    Up to EUR 50,000 per claim
    Up to EUR 250,000 per claim
    Smart Delay
    -
    -
    90 min late = lounge access for you
    + 3 guests
    Airport lounge access
    -
    -
    2 entries
    (discount on subsequent entries)
    LoungeKey membership
    -
    -
    Car rental insurance
    -
    -
    Up to EUR 10,000 per claim
    LEISURE INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Ski equipment
    -
    Up to EUR 750 per claim
    Up to EUR 1,000 per claim
    Ski assistance
    -
    EVERYDAY INSURANCE
    • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
    • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
    Home assistance
    -
    -
    Legal information
    -
    -
    Bike assistance
    -
    -
    Medical assistance
    -
    -
    Smartphone theft cover
    -
    -
    Up to EUR 1,000 per claim
    Car accident and breakdown cover
    -
    -
    Up to EUR 1,000 per claim
    Download the full table of our banking offers
    Subscribe to BIL Digital Already a customer ?
    Subscribe to BIL Gold Already a customer ?
    Subscribe to BIL Platinum Already a customer ?
    Subscribe to BIL Digital
    Subscribe to BIL Gold
    Subscribe to BIL Platinum
    Download the full table of our banking offers
    • The applicable conditions, as well as additional information, are specified under the symbol ⓘ
    • This ✔ symbol indicates that this feature is included in the package