Alerte phishinghttps://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=1Alerte phishing<b>Alert: e-mail fraud attempts underway!</b><br><br> Be vigilant, fraudsters are trying to pass themselves off as BIL by sending you an e-mail inviting you to click on a fake BILnet link. Do not share any personal information and do not click on this link. BIL will NEVER ask you by text message, e-mail or telephone for your LuxTrust login and password (used in BILnet), or for your bank card number or secret code. <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
BILnet - iOS 18https://www.bil.com/en/Lists/BILInternetAlerts/DispForm.aspx?ID=18BILnet - iOS 18<b>Information for users of iOS 18 on iPhone/iPad:</b> <br>BILnet may encounter problems when signing transactions with a LuxTrust product on your device. In an emergency, we recommend that you carry out your transaction from another device. If possible, we recommend that you avoid updating your device. Our teams are actively working to resolve this situation.18

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Toolboxhttps://www.bil.com/en/Lists/BILInternetToolbar/DispForm.aspx?ID=4Toolbox<div id="page-header-tools" class="headercache"> <div id="page-header-usefultools"> <a href="javascript:void(0);"class="sub-link-1 is-usefultools" data-serialtip-trigger="usefultools">Toolbox</a> <ul class="page-header-tooltip" data-serialtip="usefultools"> <li><a class="page-header-tooltip-link" href="/en/individuals/questions-and-contact/Pages/Index.aspx#section-map">Branches and ATM</a></li> <li><a class="page-header-tooltip-link" href="/en/individuals/products-and-services/borrow/Pages/mortgage.aspx">Simulate your mortgage</a></li> <li><a class="page-header-tooltip-link" href="/en/individuals/products-and-services/borrow/Pages/personal-loan.aspx">Simulate your personal loan</a></li> <li><a class="page-header-tooltip-link" href="/en/individuals/products-and-services/save/Pages/savings-accounts.aspx#simulateur">Simulate your savings</a></li> <li><a class="page-header-tooltip-link" href="/en/individuals/products-and-services/invest/funds/Pages/Funds-list.aspx">BIL Invest funds</a></li> <li><a class="page-header-tooltip-link" href="/cutoff/en/cut-off.html">Cut-Off SDD</a></li> <li><a class="page-header-tooltip-link" href="/en/individuals/products-and-services/managing-day-to-day-finances/bank-cards/Pages/Index.aspx#payment">Visa payment dates</a></li> </ul> </div> </div>4
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Savings accountshttps://www.bil.com/en/individuals/products-and-services/save/Pages/savings-accounts.aspxSavings accounts<!-- section : 1 --> <div data-section="Benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left center"> <h2 class="title-1">The benefits of savings accounts</h2> <ul class="list-check"> <li>Accessible savings and the ability to make deposits or withdrawals 24/7</li> <li>Guaranteed remuneration regardless of financial market trends</li> <li>Option to pay in by standing order from your <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/products-and-services/managing-day-to-day-finances/Pages/current-accounts.aspx" title="Current accounts">BIL current account</a> or accounts open with other banks</li> <li>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 makes monitoring and managing your accounts easy</li> </ul> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA">Become a client</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/Produitsetservices-epargner_comptesepargne_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Compare accounts" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Savings Plus account</h2> </div> <div class="grid-adaptive"> <div class="sub-column-100"> <p class="title-2-description">Savings that combine accessibility and returns</p> <ul class="list-1"> <li>Subscription in euro or in 12 other currencies**</li> <li>Value date of D+2 for deposits and D-2 for withdrawals (business days)</li> <li>Interest paid annually on 31 December</li> </ul> <p class="text-mention">** The Savings Plus account can be opened in euro (EUR) or in 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), sterling (GBP) or Polish zloty (PLN).</p> </div> </div> </div> </div> <!-- section : simmulateur epargne --> <div data-section="Simulate your savings" id="simulateur" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Simulate your savings</h2> <div id="form-simulator" method="get" action="#"></div> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/traductions-simulateur.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/parameters-simulateur.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/jquery.serialtemplate.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/mobiscroll.custom-2.9.2.min.js"></script> <script src="{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/Scripts/chartist.min.js"></script> <script type="text/javascript"> $('#form-simulator').serialtemplate({ pathname: '{%BIL_Internet_Root_URL_Luxembourg%}/Style Library/BIL/templates/epargne.html', language: 'en' }); </script> </div> </div> </div> <!-- section : contact --> <div data-section="Open a savings account" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to open a savings account?</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">Not yet a BIL client?</h3> <p>Make an appointment at the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur" title="The branches">BIL branch</a> of your choice or become a client online. You will then be able to manage your savings account from 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.</p> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA">Become a clientt</a></p> </div> <div class="sub-column-50"> <h3 class="title-3">Already a BIL client?</h3> <ol class="list-2"> <li>Log on to your <a href="javascript:QuickConnectBILnet();"> <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.</li> <li>Create a Savings Plus account.</li> <li>Transfer the desired amount from another BIL account or from an account open with another bank.</li> </ol> <p>You can also open a savings account (minimum: EUR 100) and carry out all related transactions in-<a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a>.</p> </div> </div> </div> </div> <!-- section : bil webcard --> <div data-section="Manage your savings accounts" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="right center"> <h2 class="title-1">Manage your savings accounts easily</h2> <p>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 allows you to manage your savings accounts easily from your computer, tablet or smartphone: </p><ul class="list-check"> <li>Monitor the balance of your savings accounts and banking transactions.</li> <li>Pay into your savings accounts or make withdrawals at any time.</li> </ul> <p>Your savings account balances and the transactions performed over the month will also be shown on your monthly account statement. You only need to visit a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx" title="The branches">branch</a> when you wish to close your savings account.</p> <p><a class="btn-default" href=" {%BIL_Internet_Root_URL_Luxembourg%}/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=PAGE-COMPTES_EPARGNE&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA">Become a client</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/Home-BILnet.jpg" alt=""> </span> </div> </div> </div> </div> </div> <div class="section-smallbottomnull"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div>
Youth savingshttps://www.bil.com/en/individuals/products-and-services/save/Pages/youth-savings.aspxYouth savings<!-- section : 1 --> <div data-section="Benefits" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-visual" data-position="left bottom"> <h2 class="title-1">Three attractive savings solutions</h2> <ul class="list-check"> <li><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a> for children under 12</li> <li><a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-young/Pages/index.aspx" title="B-young">Youth savings account</a> for young people aged 12 to 25</li> <li><a href="{%BIL_Internet_Root_URL_Luxembourg%}/static/tax-products/futurekids/index-en.html" target="_blank" title="BIL Kids Future">BIL Kids Future</a>, tax-efficient life insurance for your child</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/Produitsetservices-epargner_epargnejeunes_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordion --> <div data-section="Our youth Savings account" class="section-default" id="epargne-jeunes"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Our youth Savings account</h2> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Billy Savings account</h3> <div class="list-accordion-content"> <p>You can open a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a> on your child’s behalf from birth and until their 12th birthday.</p> <h4 class="title-4">Benefits offered by the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a>:</h4> <ul class="list-check"> <li>Preferential interest rate</li> <li>Hassle-free regular or one-off payments made through 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</li> <li>You will receive a EUR 50 gift from BIL when your child is born and you open a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a> (amount deposited in the Billy savings account)</li> <li>No management fees</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Youth Savings account</h3> <div class="list-accordion-content"> <p>The <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/b-young/Pages/index.aspx" title="B-young">Youth savings account</a> is reserved for children aged between 12 and 24 years inclusive. If your child is older than 15, they can open a Youth savings account on their own (for Luxembourg residents). If your child already has a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/dedicated-offers/billy-club/Pages/index.aspx" title="Billy Club">Billy savings account</a>, it will automatically become a Youth savings account on their 12th birthday.</p> <h4 class="title-4">Benefits offered by the Youth savings account:</h4> <ul class="list-check"> <li>Preferential interest rate</li> <li>Hassle-free regular or one-off payments made through 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</li> <li>Account frozen until 18 years of age and then unlimited free withdrawals and deposits</li> <li>No management fees</li> </ul> </div> </li> </ul> </div> </div> <!-- section : accordion --> <div data-section="Youth life insurance" class="section-default is-silver" id="assurance-jeunes"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <div class="grid-center"> <h2 class="title-1">BIL Kids Future life insurance</h2> </div> <p class="title-1-description">Do you want to give financial help to your children as they embark on a career, study, travel or move out?</p> </div> </div> </div> </div> <div class="section-default"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <h2 class="title-1">Take advantage of BIL Kids Future life insurance</h2> <ul class="list-check"> <li><b>Savings</b></li> <li><b>Protection</b></li> <li><b>Retirement savings</b></li> <li><b>Flexibility</b></li> <li><b>Tax benefits</b></li> </ul> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <h2 class="title-1">Why choose BIL for your life insurance policy?</h2> <p>As insurance intermediaries, we offer you unbiased advice about which solutions best meet your needs and financial capabilities.</p> </div> </div> </div> </div> <div class="section-default"> <div class="page-wrapper"> <h2 class="title-1">Two packages depending on how you see the future<sup>(1)</sup></h2> <div class="grid-adaptive"> <div class="sub-column-50"> <h4 class="title-4"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/divers/BIL-Kids-Future-AXA-fr.pdf" target="_blank">BIL Kids Future by AXA (Juvena) (in French)</a></h4> <p>Simple and attractive savings solution for putting money aside regularly</p> <ul class="list-check"> <li>Final capital known at the start and choice of date for payment to the beneficiary</li> <li>Guaranteed minimum interest rate</li> <li>Payment of premiums by the insurance company if the insured party dies</li> <li>Beneficiary profit-sharing payment, if applicable<sup>(2)</sup></li> </ul> </div> <div class="sub-column-50"> <h4 class="title-4"><a href="{%BIL_Internet_Root_URL_Luxembourg%}/Documents/divers/BIL-Kids-Future-foyer-fr.pdf" target="_blank">BIL Kids Future by Foyer (in French)</a></h4> <p>A reliable savings solution featuring substantial death cover.</p> <ul class="list-check"> <li>Guaranteed payment when the policy expires of the initially agreed capital</li> <li>Very substantial death cover</li> <li>Payment of death benefits if the insured party dies (doubled in the event of accidental death)</li> <li>Payment of premiums by the insurance company if the insured party dies</li> <li>Beneficiary profit-sharing payment, if applicable<sup>(2)</sup></li> </ul> </div> </div> </div> </div> <div class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100"> <h2 class="title-1">Also enjoy tax benefits<sup>(3)</sup></h2> <p>Deduct your premiums from your taxable income within a limit of EUR 672 per year and per person belonging to the household for tax purposes. To simulate other possible deductions, visit <a href="https://deductionsfiscales.lu" target="_blank">www.deductionsfiscales.lu</a>.</p> </div> </div> </div> </div> <div data-section="How to apply ?" class="section-default"> <div class="page-wrapper"> <div class="grid-adaptive"> <div class="sub-column-100" style="text-align:center;"> <h2 class="title-1">Need more information about BIL Kids Future, or are you ready to take out a policy?</h2> <p class="title-2-description">Call (+352) 4590-3000 or visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice.</p> <p><a class="btn-default" href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=PAGE-BTN&utm_campaign=YOUTH-SAVINGS&utm_content=PAGE-RDV">Make an appointment</a></p> </div> <div class="sub-column-100"> <p><small><sup>(1)</sup>For more information about fees and conditions, please contact your relationship manager. <br><sup>(2)</sup>Based on the performance of the insurance company; past performance is not an indication of future results. <br><sup>(3)</sup> For Luxembourg tax residents or persons treated as such; the tax benefits depend on each taxpayer’s individual situation, are subject to change, and apply for a minimum policy term of 10 years. </small></p> </div> </div> </div> </div> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div>
Mortgage savingshttps://www.bil.com/en/individuals/products-and-services/save/Pages/mortgage-savings.aspxMortgage savings<link rel="stylesheet" href="/Style%20Library/BIL/CSS/epargne_log.css"> <section> <div class="container intro"> <div class="intro__image--mobile"> <img class="is-hidden-tablet" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-header-mob.jpg" alt="" /> </div> <div class="columns is-gapless"> <div class="column"> <div class="intro__content"> <div class="intro__titles"> <h1>Mortgage savings scheme</h1> <h2>Invest in your future home with peace of mind.</h2> <a href="#know" class="intro__arrow"> <svg xmlns="https://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 47 47" style="enable-background:new 0 0 47 47;" xml:space="preserve"> <polygon class="ct0" fill-rule="evenodd" clip-rule="evenodd" fill="#05C3DE" points="14,24.2 30.1,24.2 25.4,28.9 26.5,30 33,23.5 26.5,17 25.4,18.1 30.1,22.8 14,22.8 " /> </svg> </a> </div> </div> </div> <div class="column"> <img class="intro__image is-hidden-mobile" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-header.jpg" alt="" /> </div> </div> </div> </section> <section id="know" class="know"> <div class="container"> <p> Home savings schemes aim to offer you an attractive loan after regular savings, with a rate fixed upon signature. Whether you plan to <b>build, buy or renovate,</b> enjoy the flexibility offered by Wüstenrot savings, with attractive interest and loans at favourable rates. Discover solutions adapted to your needs now!</p> </div> </section> <section class="avantages"> <div class="container"> <h1 class="avantages__title">Advantages</h1> <hr class="avantages__seperator" /> <div class="columns"> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-prevoyance.svg" alt="" /> <h1>Security</h1> <p>No risk to your capital or the interest</p> </article> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-flexibilite.svg" alt="" /> <h1>Flexibility</h1> <p>Choice of monthly savings payment amount</p> </article> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-rendement.svg" alt="" /> <h1>Return</h1> <p>Focus on capital protection or performance</p> </article> </div> </div> </section> <section class="tax"> <div class="container"> <img class="tax__icon" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-avantages-fiscaux.svg" alt="" /> <h1 class="tax__title">TAX BENEFITS</h1> <div class="columns is-multiline is-gapless"> <div class="column is-half"> <div class="tax__left"> <p>Reduce your tax base by up to an annual amount of</p> <p> <span> <svg width="19px" height="13px" viewBox="0 0 19 13" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="LP_CAMPAGNE_BIL_PENSION" transform="translate(-358.000000, -3596.000000)" fill="#05C3DE"> <g id="Avantages-fiscaux" transform="translate(308.000000, 3201.000000)"> <g id="Textes" transform="translate(0.000000, 208.000000)"> <g id="Texte-Gauche" transform="translate(50.000000, 54.000000)"> <polygon id="Fill-1" points="12.471 133 11.416 134.055 16.114 138.754 -1.24344979e-13 138.754 -1.24344979e-13 140.247 16.114 140.247 11.416 144.944 12.472 146 18.972 139.5 12.473 133"> </polygon> </g> </g> </g> </g> </g> </svg> 672 € or 1344 € </span> per person in your household depending on the age of the youngest taxpayer<sup>2</sup></p> <p class="tax__annotation"><sup>2</sup>These depend on the situation of the individual taxpayer and are subject to change.</p> <p class="tax__p">Annual interest on home savings schemes is not subject to the 20% withholding tax in Luxembourg.</p> </div> </div> <div class="column is-half"> <div id="taxes" class="tax__right"> <!-- <div class="columns is-vcentered is-centered is-mobile"> <div class="column is-narrow tax__year">2023</div> <div class="column is-narrow"> <div id="taxProgress" class="tax__progress"></div> </div> <div class="column is-narrow tax__year">2024</div> </div>--> <h1>YOUR 2024 TAX YEAR is in your hands!</h1> <p>Subscribe now to take advantage of tax benefits when you file your next return!</p> </div> </div> </div> </div> </section> <section id="contact" class="contact1"> <div class="container"> <div class="contact__container"> <h1 class="contact__title">Would you like to sign up to a home savings scheme or find out more?</h1> <div class="columns is-multiline"> <div class="column is-one-third is-centered has-text-centered"> <p class="contact__subtitle">Already a client? </p> <p style="margin-bottom:15px;">Contact your Relationship Manager by phone or by </p> <a class="contact__link contact__link--mail" href="https://www.bil.com/BILnet/index-en.html?redirect=compose" target="_blank" onclick="gtag('event', 'EPARGNE-LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'MESSAGERIE-SECURISEE'});"> <svg width="26px" height="18px" viewBox="0 0 26 18" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g class="contact__icon" 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BIL Pension, for a retirement that suits youhttps://www.bil.com/en/individuals/products-and-services/save/Pages/complementary-pension.aspxBIL Pension, for a retirement that suits you<link rel="stylesheet" href="/Style%20Library/BIL/CSS/pension.css"> <section> <div class="container intro"> <div class="intro__image--mobile"> <img class="is-hidden-tablet" src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-header-mob.jpg" alt="" /> </div> <div class="columns is-gapless"> <div class="column"> <div class="intro__content"> <div class="intro__titles"> <h1>BIL Pension</h1> <h2>Plan ahead and make the most of your retirement.</h2> <a href="#know" class="intro__arrow"> <svg xmlns="https://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 47 47" style="enable-background:new 0 0 47 47;" xml:space="preserve"> <polygon class="ct0" fill-rule="evenodd" clip-rule="evenodd" fill="#05C3DE" points="14,24.2 30.1,24.2 25.4,28.9 26.5,30 33,23.5 26.5,17 25.4,18.1 30.1,22.8 14,22.8 " /> </svg> </a> </div> </div> </div> <div class="column"> <img class="intro__image is-hidden-mobile" src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-header.jpg" alt="" /> </div> </div> </div> </section> <section id="know" class="know"> <div class="container"> <h1>Did you know?</h1> <hr /> <h2>Average pension paid for December 2022</h2> <!--div id="counters" class="has-text-centered"> <p class="know__amount"><span id="firstAmount">1 856,05</span><span>€</span><sup>1</sup></p> </div--> <p class="moyenne">2 174.4<span style="color:#702f8a;font-size:53px;font-weight:400;">€</span><sup style="color:#666;font-size:19px;font-weight:400;">1</sup></p> <p class="know__annotation" <sup>1</sup>Gross monthly average for all pensions from the general scheme paid by the Caisse Nationale d'Assurance Pension (CNAP), according to the <a style="color:#666;" href="https://igss.gouvernement.lu/dam-assets/publications/rapport-g%C3%A9n%C3%A9ral-sur-la-s%C3%A9curit%C3%A9-sociale/rg-2023.pdf" target="_blank">2023 General Report</a> on Social Security in Luxembourg. </p> <div class="has-text-centered"> <a href="#solutions" class="know__arrow__container"> <svg xmlns="https://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 47 47" style="enable-background:new 0 0 47 47;" xml:space="preserve"> <polygon class="ct0" fill-rule="evenodd" clip-rule="evenodd" fill="#702f8a" points="14,24.2 30.1,24.2 25.4,28.9 26.5,30 33,23.5 26.5,17 25.4,18.1 30.1,22.8 14,22.8 " /> </svg> </a> </div> <div class="columns is-gapless"> <div class="column is-narrow is-hidden-mobile know__citation has-text-right"> <svg width="72px" height="46px" viewBox="0 0 72 46" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd" opacity="0.5"> <g id="LP_CAMPAGNE_BIL_PENSION" transform="translate(-267.000000, -1574.000000)" stroke="#702F8A" stroke-width="2"> <g id="Texte_Intro" transform="translate(268.000000, 900.000000)"> <path d="M16.7090808,690.643618 C18.2646364,684.576951 22.3868586,682.16584 27.1313031,680.76584 C27.5979697,680.610285 27.5201919,680.143618 27.5201919,680.143618 L26.8201919,675.321396 C26.8201919,675.321396 26.7424142,674.932507 26.1201919,675.010285 C9.39796972,676.876951 -1.7242525,689.554729 0.220191945,704.954729 C2.24241417,715.610285 10.6424142,719.732507 18.2646364,718.643618 C25.9646364,717.399174 31.2535253,710.244396 30.0090808,702.543618 C28.9979697,695.699174 23.3201919,690.876951 16.7090808,690.643618 M69.8313031,702.543618 C68.8201919,695.776951 63.0654142,690.954729 56.5313031,690.643618 C58.1646364,684.576951 62.1313031,682.16584 66.9543031,680.76584 C67.4201919,680.610285 67.3431919,680.143618 67.3431919,680.143618 L66.5654142,675.321396 C66.5654142,675.321396 66.4868586,674.932507 65.8646364,675.010285 C49.2201919,676.876951 37.9424142,689.554729 40.0424142,704.954729 C41.9868586,715.610285 50.3090808,719.732507 58.0098586,718.643618 C65.7090808,717.399174 70.9979697,710.244396 69.8313031,702.543618" id="Fill-1"></path> </g> </g> </g> </svg> </div> <div class="column" style="max-width: 100%;"> <p class="know__quote">With the <b>BIL Pension</b> supplementary pension <b>solution</b>, <br />you can<b> act now </b>to <b>improve your standard of living</b><br />after retirement.</p> </div> <div class="column is-narrow is-hidden-mobile know__citation has-text-left"> <svg width="72px" height="46px" viewBox="0 0 72 46" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd" opacity="0.5"> <g id="LP_CAMPAGNE_BIL_PENSION" transform="translate(-1262.000000, -1699.000000)" stroke="#702F8A" stroke-width="2"> <g id="Texte_Intro" transform="translate(268.000000, 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1065.99797,835.244396 1064.8313,827.543618" id="Fill-1-Copy-2" transform="translate(1029.996277, 821.906393) scale(-1, -1) translate(-1029.996277, -821.906393) "> </path> </g> </g> </g> </svg> </div> </div> </div> </section> <section style="position:relative;"> <div class="container" style="text-align:center;" id="video"> <div class="video-container"> <iframe width="560" height="315" src="https://www.youtube.com/embed/Zm0GfBjOn4c" frameborder="0" allow="autoplay; encrypted-media" allowfullscreen></iframe> </div> </div> </section> <section class="avantages"> <div class="container"> <h1 class="avantages__title">Your advantages</h1> <hr class="avantages__seperator" /> <div class="columns"> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-prevoyance.svg" alt="" /> <h1>PLANNING</h1> <p>Build up your capital to secure the future of you and your family</p> </article> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-flexibilite.svg" alt="" /> <h1>FLEXIBILITY</h1> <p>Choose the amount and frequency of your payments</p> </article> <article class="column is-one-third avantages__item"> <img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-rendement.svg" alt="" /> <h1>RETURNS</h1> <p>Focus on capital protection or performance</p> </article> </div> </div> </section> <section class="tax"> <div class="container"> <img class="tax__icon" src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-avantages-fiscaux.svg" alt="" /> <h1 class="tax__title">TAX BENEFITS</h1> <div class="columns is-multiline is-gapless"> <div class="column is-half"> <div class="tax__left"> <p>Whatever your age, </p> <p>deduct a maximum annual amount of</p> <p> <span> <svg width="19px" height="13px" viewBox="0 0 19 13" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="LP_CAMPAGNE_BIL_PENSION" transform="translate(-358.000000, -3596.000000)" fill="#05C3DE"> <g id="Avantages-fiscaux" transform="translate(308.000000, 3201.000000)"> <g id="Textes" transform="translate(0.000000, 208.000000)"> <g id="Texte-Gauche" transform="translate(50.000000, 54.000000)"> <polygon id="Fill-1" points="12.471 133 11.416 134.055 16.114 138.754 -1.24344979e-13 138.754 -1.24344979e-13 140.247 16.114 140.247 11.416 144.944 12.472 146 18.972 139.5 12.473 133"> </polygon> </g> </g> </g> </g> </g> </svg> 3 200 € </span> per taxpayer from your tax base<sup>4</sup></p> <p class="tax__annotation"><sup>4</sup>Tax benefits depend on the situation of the individual Luxembourg resident or equivalent taxpayer.</p> </div> </div> <div class="column is-half"> <div id="taxes" class="tax__right"> <h1>YOUR 2024 TAX YEAR is in your hands!</h1> <p>Subscribe now to take advantage of tax benefits when you file your next return!</p> </div> </div> </div> </div> <h2 style=" text-align: center; font-size: 20px; Color: #702f8a; margin-bottom:10px;margin-top: 90px; font-weight: bold;"> <a href="https://www.bil.com/static/pension-pro/index-en.html" target="_blank" style="text-align: center; font-size: 25px; Color: #702f8a; margin-bottom: 10px; margin-top: 25px; text-decoration: underline;"> Independent freelancers and professionals – don’t let a small pension spoil your retirement</a></h2> </section> <section id="contact" class="contact1"> <div class="container"> <div class="contact__container"> <h1 class="contact__title">Interested or have a question?</h1> <div class="columns is-multiline"> <div class="column is-one-third is-centered has-text-centered"> <p class="contact__subtitle">Already a client? </p> <a class="contact__link contact__link--mail" href="https://www.bil.com/BILnet/index-en.html?redirect=compose" target="_blank" onclick="gtag('event', 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class="column has-text-right-tablet has-text-centered-mobile"> <a class="contact__link contact__link--meet" href="https://www.bil.com/en/individuals/questions-and-contact/Pages/appointment.aspx" target="_blank" onclick="gtag('event', 'BIL-PENSION', { 'Categorie': 'BUTTON', 'Action': 'RDV'});"> <svg width="34px" height="21px" viewBox="0 0 34 21" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"> <g id="Page-1" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g class="contact__icon" transform="translate(-773.000000, -4263.000000)" fill="#FFFFFF"> <g id="CTA/Contact02" transform="translate(188.000000, 3988.000000)"> <g id="Buttons"> <g id="Droite" transform="translate(560.000000, 261.000000)"> <g id="Rdv-Button"> <path d="M50.8992,26.7333 C50.8822,26.7483 50.8622,26.7553 50.8412,26.7553 C50.8222,26.7553 50.8042,26.7503 50.7892,26.7373 C50.7712,26.7233 50.7532,26.7093 50.7362,26.6953 C50.7082,26.6703 50.6792,26.6443 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Flexicavhttps://www.bil.com/en/individuals/products-and-services/save/Pages/flexicav.aspxFlexicav<link rel="stylesheet" href="/Style%20Library/BIL/CSS/flexicav.css"> <link rel="stylesheet" href="/Style%20Library/BIL/CSS/slick.css"> <link rel="stylesheet" href="/Style%20Library/BIL/CSS/slick-theme.css"> <main> <section class="mission-bigtitre"> <div class="slider-container1"> <div class="slider-item"> <img src="/PublishingImages/site-particuliers/BIL_Flexicav2023_Homepage_1920x600_MUSIQUE.jpg" alt="Image de couverture de la page Flexicav" style="width:100%;"> <div class="mission-text"> <h1 class="boxwrap">You have a music subscription, why not one for your savings?<small><br>No entry or custody fees.</small></h1> <h2></h2> <a href="#nobg" class="link-arrow scrolltolink" id="mission-scroll" title="More informations">More informations</a> </div> </div> <div class="slider-item"> <img src="/PublishingImages/site-particuliers/BIL_Flexicav2023_Homepage_1920x600_SPORT.jpg" alt="Image de couverture de la page Flexicav" style="width:100%;"> <div class="mission-text"> <h1 class="boxwrap">You have a sport subscription, why not one for your savings?<small><br>From €25/month, with no commitment.</small></h1> <h2></h2> <a href="#nobg" class="link-arrow scrolltolink" id="mission-scroll" title="More informations">More informations</a> </div> </div> <div class="slider-item"> <img src="/PublishingImages/site-particuliers/BIL_Flexicav2023_Homepage_1920x600_SERIES.jpg" alt="Image de couverture de la page Flexicav" style="width:100%;"> <div class="mission-text"> <h1 class="boxwrap">You have a streaming subscription, why not one for your savings?<small><br>Programmed investments to take better advantage of the markets.</small></h1> <h2></h2> <a href="#nobg" class="link-arrow scrolltolink" id="mission-scroll" title="More informations">More informations</a> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#nobg" class="scrolltolink">Advantages</a></li> <li><a href="#simulateur" class="scrolltolink" title="Simulate your returns">Simulate your returns</a></li> <li><a href="#fonctionnement" class="scrolltolink">How Flexicav works?</a></li> <li><a href="#testimonials" class="scrolltolink">They have chosen Flexicav</a></li> <li><a href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=C2A&utm_campaign=FLEXICAV&utm_content=C2A-MENU" class="btn btn-white-revert">ARRANGE A MEETING AT YOUR BRANCH</a></li> </ul> </nav> <section class="advantages" id="nobg"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Are you looking to build a nest egg for your children’s future, achieve a specific goal or supplement your pension?</h1> <p class="body intro-body text-center">Choose Flexicav, an innovative investment fund (BIL Invest) savings scheme that gives you access to financial markets.</p> <p class="body intro-body text-center italic">Investing in a fund exposes you to a risk of capital loss.</p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-pig-flexicav.svg" alt=""> <p class="body text-center"><strong>Accessible</strong></p><br> <ul class="list-white"> <li>From EUR 25/month minimum</li> <li>Enjoy peace of mind with automatic payments</li> <li>You can open several different Flexicavs to suit your goals and profiles</li> </ul> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-calculator-flexicav.svg" alt=""> <p class="body text-center"><strong>Flexible</strong></p><br> <ul class="list-white"> <li>Capital can be accessed at any time.</li> <li>You can decrease, increase, suspend or cancel your payments whenever you like</li> <li>Freedom to choose your payment frequency</li> </ul> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-happy-flexicav.svg" alt=""> <p class="body text-center"><strong>Attractive</strong></p><br> <ul class="list-white"> <li>No entry fees</li> <!--li>No entry fees for under-18s*</li--> <li>No custody fees</li> <li>EUR 50 free when your child is born</li> </ul> </div> <!--div class="row"> <div class="col-md-12"> <p class="text-white text-center"><em>*See in-branch for the entry fees applicable to over-18s.</em></p> </div> </div--> </div> </div> </section> <div id="fonctionnement" class="section-default is-small"> <div class="page-wrapper"> <div class="grid-center"> <div class="sub-column-100"> <h2 class="title-1">How Flexicav works</h2> <p> <span class="up-num">1.</span>You determine your <b>investor profile</b> with your Relationship Manager (defensive, low, moderate, high).</p> <hr class="hr-class"> <p><span class="up-num">2.</span>You choose the subfund(s) of the <a href="https://bilinvest.com/en/?utm_source=BIL-COM&utm_medium=PAGE_EN&utm_campaign=FLEXICAV" target="_blank">BIL Invest</a> fund that <b>best match your profile</b>.</p> <hr class="hr-class"> <p><span class="up-num">3.</span>You choose <b>how much you</b> want to invest, and <b>how often</b>. <br>And that’s it! We’ll take care of the rest.</p> </div> </div> </div> </div> </div> <div class="separator"></div> <div class="section-default is-small purplesection"> <div class="containerpurple"> <div class="sub-column-50"> <iframe src="https://www.youtube.com/embed/wZIV3NrroSQ?rel=0" width="560" height="315" style="border:none;overflow:hidden" scrolling="no" frameborder="0" allowtransparency="true" allowfullscreen="true"></iframe> </div> <div class="sub-column-50"> <h2 class="title-1">Why invest at regular intervals rather than all at once?</h2> <ul class="list-white"><li>All financial markets have highs and lows, and the perfect time to buy or sell is never certain.</li><li> With Flexicav, your investments are spread out over time, giving you a better average purchase price with less risk (investing in a fund exposes you to a risk of capital loss).</li></ul></p> </div> <p class="highlight" style="padding-top: 0;">With Flexicav, you don’t have to be an expert. Your investments are managed by professionals.</p> </div> </div> <div class="separator"></div> <section class="projects-na" id="testimonials"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Flexicav works for them. What about you?</h1> </div> </div> <div class="slider-container"> <div class="row projects-element"> <div class="col-md-6"> <div class="picture-container"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/flexicav-dan.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>DAN, DIVORCED, 1 CHILD</h1> <p>I was hesitant about shares and the stock market at first, but when I saw the interest rate for savings accounts I knew I needed a better option. I chose the BIL Invest Patrimonial Defensive fund, so the risk is low. I put EUR 50 into my Flexicav every month.</p> </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/flexicav-martine.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>MARTINE, 45</h1> <p>I’ve had a Flexicav account for 5 years now, and after taking parental leave I wanted to freeze my EUR 150 monthly payment to have a bit of breathing room. The procedure was very simple, and at the end of the parental leave I started paying in again. Super practical!</p> </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/flexicav-louis.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>LOUIS, 35, SINGLE</h1> <p>I started working in Luxembourg a year ago. I’d like to buy an apartment in a few years, but given the housing prices I really need to put some money aside. I’m counting on this savings plan to help me make a down payment.</p> </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/flexicav-claire.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>CLAIRE, 36, MARRIED, 2 CHILDREN</h1> <p>You always hear a lot about the stock market and finance, but honestly I don’t know a lot on the subject. With Flexicav, I don’t need to worry about anything! I put in EUR 100 every month and I know it will be invested in funds selected by experts.</p> </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/flexicav-ben.jpg" alt=""> </div> </div> <div class="col-md-6"> <div class="flexbox-centering"> <div class="content"> <h1>BEN, 41, MARRIED, 2 CHILDREN</h1> <p>Once you know how much business school tuition and student accommodation costs, it makes you look at better ways of saving for your children’s future. As for me, I wanted something other than a traditional savings account. And I found Flexicav!</p> </div> </div> </div> </div> </div> </div> </section> <div id="simulateur" class="section-default is-grey is-small"> <div id="root"></div> </div> <script type="text/javascript"> window.CONFIG_REACT = { "selectedLanguage": "en", // la langue de l'appli, pour le moment fr "staticBaseUrl": "/finance/", // l’emplacement des resources si different "isBilNet": false, "siteClient": "https://bilnet.lu.bil.com/", "legalCountryAddress": "lu", "baseUrl": 'https://public-api.bilnet.lu.bil.com/stockexchange/', "defaultPage": "flexsimulator", "financialInstrumentUrl": "https://public-api.bilnet.lu.bil.com/financial-instruments-ms/" } </script> <script src="/Style%20Library/BIL/Scripts/react-app.js"></script> <section class="interest" id="rdv"> <div class="container"> <div class="row row-register"> <div class="col-md-12"> <h1 class="title text-center">Do you want a Flexicav savings plan or need more information?</h1> <div class="flexbox-center"> <a class="btn btn-violet" href="/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=CALL_TO_ACTIONutm_campaign=FLEXICAV&utm_content=CALL_TO_ACTION">Make an appointment</a> </div> </div> </div> </div> </section> <div class="section-smallbottomnull is-silver"> <div id="mylifecontent" class="articles" data-categorie="me-and-my-family-fr/epargne-fr"></div> </div> </main> <script type="text/javascript" src="/Style%20Library/BIL/Scripts/slick.min.js"></script> <script type="text/javascript"> $(document).ready(function () { $(".slider-container").slick({ dots: true, // Afficher les points de navigation (pagination) arrows: false, // Afficher les flèches de navigation slidesToShow: 1, // Nombre d'éléments à afficher à la fois slidesToScroll: 1, // Nombre d'éléments à faire défiler à la fois autoplay: true, // Activer le défilement automatique autoplaySpeed: 5000 // Durée d'affichage de chaque élément (en millisecondes) }); $(".slider-container1").slick({ dots: true, // Afficher les points de navigation (pagination) arrows: false, // Afficher les flèches de navigation slidesToShow: 1, // Nombre d'éléments à afficher à la fois slidesToScroll: 1, // Nombre d'éléments à faire défiler à la fois autoplay: true, // Activer le défilement automatique autoplaySpeed: 5000 // Durée d'affichage de chaque élément (en millisecondes) }); }); </script>

 

 

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