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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 BIL current account or accounts open with other banks</li> <li>The BILnet client area makes monitoring and managing your accounts easy</li> <li>No management fees</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/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">Compare accounts</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Call account</h3> <p class="title-2-description">An accessible and easy way to save</p> <ul class="list-1"> <li>Subscription in euro</li> <li>Three sources of remuneration: basic rate for savings interest + growth premium + loyalty premium. *</li> <li>Value date of D+15 for deposits and D-15 for withdrawals (calendar days)</li> <li>Interest and premiums are paid annually on 31 December</li> </ul> <p class="text-mention">* The base rate is aligned with the financial markets. The growth premium is calculated based on the net increase in deposits over the year (i.e. the difference between your deposits and your withdrawals). The loyalty premium is calculated based on the lowest credit balance recorded during the past year.</p> </div> <div class="sub-column-50"> <h3 class="title-2">Savings Plus account</h3> <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>Higher return than a No Notice Savings account</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">BIL branch of your choice</a> or <a href=" {%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">become a client online</a>. You will then be able to manage your savings account from your BILnet client area.</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 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();">BILnet client area</a>.</li> <li>Create a No Notice Savings account or 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-branch.</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 BILnet 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 branch when you wish to close your savings account.</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/Home-BILnet.jpg" alt=""> </span> </div> </div> </div> </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>Billy savings account for children under 12</li> <li>Youth savings account for young people aged 12 to 25</li> <li>BIL Kids Future, 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"> <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 Billy savings account on your child’s behalf from birth and until their 12th birthday.</p> <h4 class="title-4">Benefits offered by the Billy savings account:</h4> <ul class="list-check"> <li>Preferential interest rate</li> <li>Hassle-free regular or one-off payments made through the BILnet client area</li> <li>You will receive a EUR 50 gift from BIL when your child is born and you open a Billy savings account (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 Youth savings account 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 Billy savings account, 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 BILnet 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"> <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">BIL Kids Future by AXA (Juvena)</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">BIL Kids Future by Foyer</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 onclick="ga('send', 'event', 'Clic', 'Lien', 'deductionsfiscales.lu');" 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="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">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> <!-- section : numéros d'urgence <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">Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice to open a Billy savings account, a Youth savings account or a Juvena junior account.</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>-->
Mortgage savingshttps://www.bil.com/en/individuals/products-and-services/save/Pages/mortgage-savings.aspxMortgage savings<!-- section : 2 --> <div data-section="Advantages" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Advantages</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Advantages of the plan</h3> <ul class="list-check"> <li>No risk to your capital or the interest</li> <li>Choice of amount of monthly contributions</li> <li>Savings that offer returns and are easily accessible</li> <li>Possibility, at the end of the plan, to take out a mortgage at an attractive fixed rate to finance your real estate project in Luxembourg or Germany. This rate is defined when you sign the plan.</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-2">Tax benefits</h3> <ul class="list-check"> <li>Very attractive tax regime in Luxembourg for this type of product</li> <li>Up to EUR 672 per year and per person belonging to the household for tax purposes is tax-deductible</li> <li>The credit interest on a mortgage savings plan, credited each year, is not subject to the 10% withholding tax in Luxembourg</li> </ul> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <div data-section="How to apply ?" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply?</h2> <p class="title-1-description">Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice to open your Wüstenrot mortgage savings plan. For any changes to your contract (e.g. a change in the amount of your savings), contact your BIL relationship manager.</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>
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 <div data-section="" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <p class="title-1-description">Would you like to make the most of your retirement? Act now to build up personal savings on top of your statutory pension, with a range of pension insurance products suited to your current and future needs.</p> </div> <div class="grid-adaptive" style="text-align:center; margin-left:0px"> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;"> <h3 class="title-2">Retirement savings </h3> <p>Build up your capital to secure the future of you and your family</p> </div> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;margin-left: 3%; margin-right: 3%;"> <h3 class="title-2">Tax benefits</h3> <p>Prepare for your retirement while reducing your tax</p> </div> <div class="sub-column-30" style="background-color: #ECECEC;padding: 30px 40px 30px 40px;box-shadow: 5px 5px 5px rgba(44, 44, 44, 0.11);text-align: left;"> <h3 class="title-2">Return</h3> <p>Focus on capital protection or performance</p> </div> </div> </div> </div> <!-- section --> <div data-section="Combine tax benefits" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Combine tax benefits</h2> <p class="title-1-description">Attractive tax regime in Luxembourg for this type of product</p> </div> <div class="grid-adaptive"> <div class="sub-column-60"> <p>Benefit from significant tax deductions throughout the term of the policy (minimum term: ten years) by deducting all or part of the amount of premiums paid from your tax base. <br>If you are married, your spouse can obtain the same benefits by taking out a second plan. <br>When the policy expires, there are three savings repayment options open to you:</p> <ul class="list-check"> <li>Lump sum payment of all or part of your capital</li> <li>Monthly annuities</li> <li>Combination of both payment types</li> </ul> </div> <div class="sub-column-40"> <p class="text-highlight is-small">New in 2017: Whatever your age, deduct a maximum annual amount of EUR 3,200 per taxpayer from your tax base.</p> </div> </div> <div class="grid-adaptive"> <div class="sub-column-100"> <p><em>The lump sum is taxable in Luxembourg at half the average rate. 50% of the annuity is tax exempt. The other half is taxable as income according to the standard tax rate.</em></p> <p><strong>Your BIL relationship manager is at your service to discuss these tax measures in more detail. To simulate other possible deductions, visit <a href="https://deductionsfiscales.lu/">www.deductionsfiscales.lu</a>.</strong></p> <p><em>Tax information varies depending on individual circumstances and is subject to change at any time.</p></em> </div> </div> </div> </div> <!-- section --> <div data-section="Our products" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Our products</h2> <p class="title-1-description">As an insurance broker, BIL offers you a full range of products in association with its insurance partners Foyer and AXA. Find the BIL Pension product best suited to your situation.</p> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">BIL Pension Protect </h3> <ul class="list-check"> <li><a href="/Documents/divers/FIF-Alizea.pdf" target="_blank">BIL Pension Protect by AXA</a></li> <li><a href="/Documents/divers/FIF-Protect.pdf" target="_blank">BIL Pension Protect by Foyer</a></li> </ul> <p>With this supplementary pension solution, take advantage of a guaranteed minimum interest rate on your payments (independent of financial market fluctuations), as well as any share of profits, depending on the insurance company's results.</p> <p>You know the minimum amount of money that you will be paid when you reach retirement age. Start your new life with peace of mind and no surprises.</p> </div> <div class="sub-column-50"> <h3 class="title-2">BIL Pension Vision</h3> <ul class="list-check"> <li><a href="/Documents/divers/FIF-Save-for-Life-Pension.pdf" target="_blank">BIL Pension Vision by AXA</a></li> <li><a href="/Documents/divers/FIF-Vision.pdf" target="_blank">BIL Pension Vision by Foyer</a></li> </ul> <p>Invest your savings in the <a href="/Documents/brochures/bil-patrimonial-en.PDF" target="_blank">BIL Patrimonial</a><sup>1</sup> diversified investment fund that best suits your profile depending on your risk appetite, while staying within the legal limits for equity investments<sup>2</sup>. This non-guaranteed repayment solution based on financial market performance is flexible and dynamic. It allows you to take advantage of potentially strong returns and try to build up a substantial sum for retirement.</p> <p>With guidance from our experts, you remain flexible with regard to the amount invested and, to a certain extent, the fund chosen.</p> </div> </div> <div class="grid-adaptive"> <div class="sub-column-100"> <span style="font-size:10px;"><p><sup>1</sup> Investment fund with no capital guarantee, subject to market fluctuations, suitable for your investor profile and in compliance with the legal investment limits. Details of the fund can be obtained from branches. Please note that funds may lose value, particularly as a result of the following risks: equity risk, interest rate risk, exchange risk and risks associated with the use of derivatives. <br><sup>2</sup> In accordance with applicable legislation, equity investment limits will be observed at all times by the selected investment fund, and will depend on the policyholder's age at the start of each tax year. See details of limits in the product factsheet and in article 3, point a) of the Grand-Ducal Regulation of 25 July 2002 implementing article 111a, paragraph 1 of the income tax act of 4 December 1967, as amended. </p></span> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Advantages" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Advantages</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-2">Flexibility</h3> <ul class="list-check"> <li>Choose the amount and frequency of your premium payments</li> <li>Choose the policy expiry date: you can draw on your savings from the age of 60 up to the age of 75, subject to a minimum policy term of 10 years.</li> <li>Choose how your capital is paid out</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-2">Performance</h3> <ul class="list-check"> <li>With our BIL Pension Vision range, entrust the management of your future pension to our fund managers and, together with your BIL relationship manager, define your investment strategy according to your risk profile.</li> <li>With our BIL Pension Protect range, opt for a risk-free policy with a capital guarantee.</li> <li>You are free to designate your beneficiary(ies) in the event of death.</li> </ul> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <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">Visit the <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a> of your choice to open your Wüstenrot mortgage savings plan. For any changes to your contract (e.g. a change in the amount of your savings), contact your BIL relationship manager.</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>
Term deposithttps://www.bil.com/en/individuals/products-and-services/save/Pages/term-deposit.aspxTerm deposit<!-- 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">The benefits of fixed-term deposits</h2> <ul class="list-check"> <li>Choice of investment term and currency</li> <li>No risk to your capital or to the interest</li> <li>A straightforward alternative to other financial investments</li> <li>No management fees</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_depotsaterme_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : 2 --> <div data-section="Characteristics" class="section-default"> <div class="page-wrapper"> <div class="grid-visual" data-position="right bottom"> <h2 class="title-1">A solution that combines returns and security</h2> <ul class="list-check"> <li>Minimum subscription amount: EUR 5,000</li> <li>Subscription in euro or in 16 other currencies*</li> <li>Maturity to be defined upon subscription: 7 days, 1, 2, 3, 6 or 12 months</li> <li>Fixed return depending on the amount invested, the term of deposit and the market rates according to the currency selected</li> </ul> <p class="text-mention">*A fixed-term deposit account can be opened 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), Polish zloty (PLN), Japanese yen (JPY), South African rand (ZAR), Turkish lira (TRY) or Singapore dollar (SGD).</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_depotsaterme_002.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordion --> <div data-section="Manage your fixed-term deposit account" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to manage your fixed-term deposit account?</h2> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">How can you find out the amount of the fixed-term deposit and the interest?</h3> <div class="list-accordion-content"> <p>You can check the amount deposited and the interest earned through your BILnet client area. All information on the deposit and the remuneration paid is included in the account statement drawn up for the month in which your deposit matured. You can also obtain details from your BIL branch at any time.</p> </div> </li> <li> <h3 class="list-accordion-title">What should you do with the funds upon maturity?</h3> <div class="list-accordion-content"> <p>You can close your fixed-term deposit account (through the BILnet client area or in-branch) and access the capital plus the interest earned. Alternatively, you can extend the fixed-term deposit by reinvesting the desired amount for a new term with an updated interest rate. </p> </div> </li> <li> <h3 class="list-accordion-title">Is it possible to close a fixed-term deposit account before it reaches maturity?</h3> <div class="list-accordion-content"> <p>BIL allows this option (to be performed in-branch) subject to a penalty on interest as defined in your contract. Do not hesitate to contact your BIL relationship manager who may be able to offer you other financing solutions to avoid early closure.</p> </div> </li> </ul> </div> </div> <!-- section : numéros d'urgence --> <div data-section="Subscribe to a fixed-term deposit" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to subscribe to a fixed-term deposit?</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">BIL branch of your choice</a> or <a href="{%BIL_Internet_Root_URL_Luxembourg%}/lp/2015/devenez-client/index-en.html">become a client online</a>. You will then be able to manage your fixed-term deposits from your BILnet client area.</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 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();">BILnet client area</a>.</li> <li>Create a fixed-term deposit account.</li> <li>Transfer the desired amount (minimum: EUR 5,000) from another BIL account or from an account open with another bank.</li> </ol> </div> </div> </div> </div>
Short term noteshttps://www.bil.com/en/individuals/products-and-services/save/Pages/short-term-notes.aspxShort term notes<!-- 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 certificates of deposit</h2> <ul class="list-check"> <li>A wide choice of investment periods ranging from one month to ten years</li> <li>Higher returns than for a savings account</li> <li>The choice to receive the interest earned each year (income-paying certificates of deposit) or to accumulate the interest (capital growth certificate of deposit).</li> <li>The possibility to transfer the certificate of deposit as a bearer security at any time to a third party (according to the conditions freely defined between you and the transferee).</li> <li>No risk to your capital or the interest</li> <li>No management fees</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_bonsdecaisse_001.jpg" alt=""> </span> </div> </div> </div> </div> </div> <!-- section : accordion --> <div data-section="Our certificates of deposit" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">Our certificates of deposit</h2> </div> <ul class="list-accordion"> <li> <h3 class="list-accordion-title">Short-term certificate of deposit</h3> <div class="list-accordion-content"> <ul class="list-check"> <li>For a secure investment of less than one year</li> <li>Minimum subscription amount: EUR 5,000</li> <li>Subscription in euro or in 16 other currencies*</li> <li>Maturity defined upon subscription: 1, 2, 3, 6 or 12 months</li> <li>Fixed return depending on the amount invested, the term of the certificate of deposit and the market rates according to the currency selected</li> <li>The capital sum and the interest is reimbursed on maturity</li> </ul> <p class="text-mention">* A short-term certificate of deposit can be opened 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), Polish zloty (PLN), Japanese yen (JPY), South African rand (ZAR), Turkish lira (TRY) or Singapore dollar (SGD).</p> </div> </li> <li> <h3 class="list-accordion-title">Income paying certificates of deposit</h3> <div class="list-accordion-content"> <ul class="list-check"> <li>For a source of additional income</li> <li>Minimum subscription amount to receive income on an annual or bi-annual basis: EUR 5,000</li> <li>Minimum subscription amount to receive income on a monthly, bi-monthly or quarterly basis: EUR 12,500</li> <li>Subscription in euro or in US dollars</li> <li>Maturity defined upon subscription: one to ten years</li> <li>Capital sum is reimbursed on maturity</li> </ul> </div> </li> <li> <h3 class="list-accordion-title">Capital growth certificates of deposit</h3> <div class="list-accordion-content"> <ul class="list-check"> <li>To accumulate and grow the interest</li> <li>Minimum subscription amount: EUR 5,000</li> <li>Subscription in euro or in US dollars</li> <li>Maturity defined upon subscription: one to ten years</li> <li>Interest is compounded annually and then also generates interest</li> <li>The capital sum and the interest is reimbursed on maturity</li> </ul> </div> </li> </ul> </div> </div> <div data-section="Manage your certificate of deposit" class="section-default is-silver"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to manage your certificate of deposit?</h2> </div> <div class="grid-adaptive"> <div class="sub-column-50"> <h3 class="title-3">You choose the format of your certificate of deposit:</h3> <ul class="list-1"> <li><strong>Dematerialised</strong>: Certificates of deposit appear in your securities account with your other financial investments. You can check their values and maturities in BILnet whenever you like. They are also shown on the end-of-year securities account statement.</li> <li><strong>Paper format</strong>: this is the standard format for certificates of deposit. In order to avoid the risk of loss or theft, it is advisable to keep them in a rented safe-deposit box in a BIL branch.</li> </ul> </div> <div class="sub-column-50"> <h3 class="title-3">Is it possible to close a certificate of deposit before it reaches maturity?</h3> <p>BIL allows this to be performed in-branch subject to a penalty on interest as defined in your contract. Do not hesitate to contact your BIL relationship manager who may be able to offer you other financing solutions to avoid early closure.</p> </div> </div> </div> </div> <!-- section : numéros d'urgence --> <div data-section="How to apply ?" class="section-default"> <div class="page-wrapper"> <div class="grid-center"> <h2 class="title-1">How to apply for your certificate of deposit ?</h2> <p class="title-1-description">Apply for certificates of deposit at a <a href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx#localisateur">BIL branch</a>.</p> <p><a class="btn-default" href="{%BIL_Internet_Root_URL_Luxembourg%}/en/individuals/Pages/contact.aspx">Locate a BIL branch</a></p> </div> </div> </div>