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Responsible Products and Services

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Living Our CLEAR Values Every Day

BIL is committed to developing responsible financial products and services that deliver value to clients while actively supporting the global ecological and social transition. Through its offering, the bank empowers clients to build a solid foundation for future generations. BIL provides sustainable investment solutions that combine strong financial performance with a meaningful commitment to environmental and social responsibility.

Responsible investment

BIL offer, for a specific range of products, investment solutions that reflect our commitment to responsible investing. Our approach integrates environmental, social and governance (ESG) factors within the investment decision making process. This allows combining financial and ESG considerations and to target alignment with our clients’ ESG preferences, when applicable.

Our responsible investment approach includes the selection of direct investments with a dedicated exclusion policy and considerations of ESG scores. This is done to ensure investments are made into companies that meet our ESG standards. For indirect investments, a due diligence is performed to select options that are not only responsible but that could also potentially be beneficial to financial growth.

Our responsible investment approach applies to all in-house products classified as Article 8 per the Sustainable Finance Disclosure Regulation (SFDR) and discretionary mandates at BIL Luxembourg.

More information about our responsible investment considerations is available in our Sustainability Risk Policy:

Logo PDFSustainability Risk Policy

Sustainable finance

Our financing solutions play a key role in driving sustainable economic activity, enabling clients to realize projects that contribute to environmental and social progress.

We offer a suite of responsible financial products aligned with the ESG principles, supporting the clients’ transition to a climate-neutral economy:

  • Solar panel loans are dedicated products that offer special rates to finance the fitting of solar panels (including on private homes).
  • Climate loans are reduced- or zero-rate loans subsidised by the Luxembourg State to promote renovations.
  • Green vehicle financing

Digitalisation – Simplifying Today to Build Tomorrow Together

In the digital era, we are committed to transforming our clients’ experience through innovative digital communication tools. By streamlining interactions, we not only reduce paper consumption but also the carbon footprint associated with non-essential physical travel. We encourage our clients to adopt these digital solutions and support them with care as they become familiar with new technologies.

  • 100% Digital Onboarding
    BIL was the first bank in Luxembourg to offer new clients the possibility to open an account entirely online, within minutes and in a fully secure environment. A true milestone toward a paperless banking experience.
  • BILnet
    BILnet is our simple, secure, and innovative online banking solution, offering 24/7 direct access. The mobile app includes enhanced security features such as biometric authentication and two-factor authentication, ensuring optimal protection of our clients’ data.
    It delivers the same premium experience as the desktop version, with a wide range of features enabling clients to remotely manage their accounts and cards, make instant transfers and payments, access electronic documents, or contact our advisors via secure messaging.
  • Multiline
    Multiline is a multi-bank web platform specifically designed for companies, allowing them to simplify daily treasury management. It offers an API solution that connects their ERP system to the banking platform. This integration streamlines financial processes, providing greater flexibility and improved control over treasury operations.
  • Electronic signature
    Through the LuxTrust digital identity, we offer our clients, both private individuals and businesses, the possibility to sign banking documents without sending any physical mail. This electronic signature carries the same legal value as a handwritten one. As a result, clients can subscribe remotely to numerous services such as opening a current account online, ordering bank cards, applying for a mortgage, personal or student loan, or opening a term deposit, without needing to visit a branch.
  • Paperless
    As pioneers in document dematerialisation for over a decade, we encourage clients to opt for Paperless, an option that is more environmentally friendly, less cluttered, and designed to simplify the client’s experience.
  • Digital support
    We do more than simply digitalise our processes, we actively support our clients throughout their digital journey. In our SHOP and HOUSE branches, our Guest Advisors manage customer flow while also guiding and educating clients on digital channels (BILnet, ATMs, etc.). We provide dedicated assistance to those who feel less comfortable with digital tools.