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Term deposit

Would you like to boost your capital before using it over a maximum period of one year? Are you looking for a secure investment while you wait for a better investment opportunity? Fixed-term deposits could be just what you’re looking for!

The benefits of fixed-term deposits

  • Choice of investment term and currency
  • No risk to your capital or to the interest
  • A straightforward alternative to other financial investments
  • No management fees

A solution that combines returns and security

  • Minimum subscription amount: EUR 5,000
  • Subscription in euro or in 16 other currencies*
  • Maturity to be defined upon subscription: 7 days, 1, 2, 3, 6 or 12 months
  • Fixed return depending on the amount invested, the term of deposit and the market rates according to the currency selected

*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).

How to manage your fixed-term deposit account?

  • How can you find out the amount of the fixed-term deposit and the interest?

    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.

  • What should you do with the funds upon maturity?

    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.

  • Is it possible to close a fixed-term deposit account before it reaches maturity?

    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.

How to subscribe to a fixed-term deposit?

Not yet a BIL client?

Make an appointment at the BIL branch of your choice or become a client online. You will then be able to manage your fixed-term deposits from your BILnet client area.

Open an account

Already a BIL client?

  1. Log on to your BILnet client area.
  2. Create a fixed-term deposit account.
  3. Transfer the desired amount (minimum: EUR 5,000) from another BIL account or from an account open with another bank.