Save with peace of mind thanks to our new term deposit with a boosted rate of 2% gross per year, available online
Want to grow your savings while keeping peace of mind? Our boosted-rate term deposit is designed to offer stability, protection, and performance — all with simplicity.

• An annual rate of 2% before taxes, valid for any online subscription before 16/02/2026. BIL reserves the right to modify or end this offer at any time without notice.
• A term deposit with a duration of 12 months
• Available from €10,000
• Your capital is protected at maturity
• Preferential rate reserved for term deposits opened in BILnet
• No entry or management fees
• Easy opening in your BILnet online banking

Your savings are protected by Luxembourg deposit guarantee legislation up to €100,000 per depositor and per bank, with no risk of capital loss.

Already a BIL client?

Log on to your BILnet client area (Offer > Savings > Fixed-term deposit > Subscribe)

BIL Invest: a range of diversified investment funds designed to support your projects across every investment horizon.
Whether you’re planning to build capital for your children or preparing for retirement, our funds are designed to accompany you.
By choosing BIL Invest Patrimonial, you opt for a turnkey, diversified solution tailored to your investor profile.
And because performance should also have meaning, some of our funds consider environmental, social, and governance (ESG) criteria in addition to traditional financial indicators.

Investing in a fund exposes you to a risk of capital loss.

Snapshot of 2025 performance for our BIL Invest Patrimonial funds
(Past annual performance, excluding fees related to the investment framework and/or applicable taxes. Past performance is an indicator but does not guarantee future results.)

• BIL Invest Patrimonial Defensive: 1,74 %
• BIL Invest Patrimonial Low: 4,15 %
• BIL Invest Patrimonial Medium: 5,02 %
• BIL Invest Patrimonial High: 6,63 %

Performance history Discover our full range of funds.

Already a BIL client?
Request portfolio opening via secure messaging in BILnet or invest directly (Invest > BIL Invest funds) from your online banking space.

Our structured products combine several financial instruments into a single, indivisible solution. The goal: to offer investment solutions designed to diversify your portfolio while considering your priorities.
They are developed by our experts to meet risk/return objectives specifically adapted to your profile (capital protection, conditional return, exposure to a market or index).

Investing in a structured product exposes you to a risk of capital loss.

Examples of Structured Products We Offer

Depending on your investor profile and country of residence, you may benefit from these types of products:

Fixed-Rate Products with Capital Protection

• Your investment is 100% protected at maturity.
• The product pays a fixed, guaranteed (non-conditional) coupon known from the start.
• At the end of the investment, there is no risk (except in case of issuer default and/or bankruptcy); your investment is reimbursed at 100%.

Variable-Rate Products with Capital Protection

• Your investment is 100% protected at maturity.
• The product pays a variable coupon, depending on the evolution of the reference rate.
• In some cases, the coupon is subject to a minimum and/or maximum rate:
• If the reference rate at the time of calculation is below the minimum rate, the coupon paid will be the minimum coupon.
• If the reference rate is above the maximum rate, the maximum coupon will be paid.
• If the reference rate is between the two limits (minimum and maximum), the reference rate will be paid.
• At the end of the investment, there is no risk (except in case of issuer default and/or bankruptcy).

Yield Products with No Capital Protection

• Coupons may be guaranteed or conditional, but always higher than those paid by a standard bond from an issuer of similar quality in the same currency.
• Certain mechanisms allow early redemption of the product at 100%, without capital loss, depending on the underlying price observed at predefined dates.
• Capital protection is conditional on the performance of the underlying asset.
• Other mechanisms help mitigate the impact of negative performance of the underlying asset, potentially protecting your capital despite adverse conditions.
• These products remain risky.

Participation Products with or without Capital Protection

• In these products, coupons are often sacrificed in favor of participation in the performance of the underlying asset.
• During the investment period, no coupon is paid.
• However, if the underlying closes with a positive performance, the product allows you to receive that performance, sometimes with leverage.
• These products may or may not include capital protection.
• These products remain risky.

Already a BIL client?
Request portfolio opening via your secure messaging in BILnet or invest directly (Invest > BIL structured products) from your online banking space.