100% digital
Do you have savings you want to grow while preparing a future project?
Our term deposit is the ideal solution. It allows you to secure your savings in the short term with a fixed rate.
(1.75 % net) – 12 months
(1.575 % net) – 6 months
(1.40 % net) – 3 months
(1.225 % net) – 1 month
No fees related to your fixed-term deposit
Minimum deposit amount
No maximum investment amount
Boosted rates for example with our fixed-term deposit at 2.50% gross (1.75% net/year) for 12 months. Valid for any online subscription made from 01/04/2026 onwards. BIL reserves the right to modify or terminate this offer at any time without prior notice.
Available from €10,000 with no maximum amount
No entry or management fees on this term deposit
Capital guaranteed at maturity
Your savings are protected by Luxembourg's deposit guarantee legislation up to €100,000 per depositor and per bank
A stable AAA rated economy (Moody’s, February 2026)
An ideal environment to protect and grow your savings, just next door to Belgium
170 years of expertise
Specialised know-how in savings and investment solutions
100% digital
Easy account opening
Included with your term deposit account
Our free BIL Digital package for 12 months with a BIL Visa Debit card and a current account.
We know that making an investment abroad can raise certain
administrative questions.
The interest generated by your term deposit is paid to you gross of tax.
It is subject to Belgian withholding tax at the current rate of 30% and must
be
declared in the annual tax return, just like any foreign account,
in accordance
with Belgian legislation in force.
Rate valid for subscriptions via BILnet.
*Total estimated amount before tax on interest received, depending on your country of residence. The final rate will be the one in force at the time of subscription.
Become a client online by downloading the BILnet app and open your fixed-term deposit easily.
Download the BILnet app Download the BILnet app
The objective of the term deposit is short‑term savings with a fixed return. The deposited funds will be unavailable until the agreed maturity.
Taxation
Interest is subject to Belgian withholding tax at 30% (currently) on the gross amount. No withholding is applied by the bank. Tax treatment depends on your personal situation and may change in the future.
BIL Digital package
You benefit for 12 months from our BIL Digital package free of charge, which includes among other services a BIL Visa Debit card as well as a euro current account. Please refer to our general terms and conditions for debit cards and to the detailed description of the BIL Digital package in our extract from the general tariff list.
Fees
No account opening or maintenance fees for term deposits and the current account included in the BIL Digital package.
Conditions for the free BIL Digital package during the first 12 months:
After 12 months, a monthly fee of EUR 3.50 will be charged for the BIL Digital package, provided that a minimum of EUR 1,500 per month is paid into the account during the previous reference period and booked to the account. Otherwise, a fee of EUR 5 / month will be applied.
For more detailed information, please consult our tariffs.
Applicable law - Risks
Luxembourg law applies. See our general terms and conditions and our complaints procedure on bil.com. As with any credit institution, BIL is subject to the legal framework for recovery and resolution measures in the event of actual or foreseeable failure.
