Lock in a great interest rate by setting some money aside for between three months and one year.

The advantages of term deposits:

• Benefit from great interest rates (subject to tax and social security deductions)
• Choose the investment term and currency
• Avoid the risk of capital loss
• No upper limit on the amount deposited
• No management fees or entry charges

Conditions of a term deposit

• Minimum subscription amount: EUR 25,000
• Maturity date to be determined upon subscription: 3, 6, 12 months
• Fixed return depending on the amount invested, the term of deposit and the market rates according to the currency selected

Risks and guarantees

Subject to Luxembourg law only. Should BIL file for bankruptcy, or be at risk of doing so, funds deposited in savings accounts with the bank are covered by the deposit protection mechanism up to a maximum of EUR 100,000 per depositor.
Complaint handling: BILnet secure messaging or form

Find out more about deposit protection

Savings products

Want to set some money aside for contingencies?

The advantages of BIL savings accounts:

• Build up accessible savings and make deposits or withdrawals 24/7.
• Pay into your account the easy way by setting up standing orders from your BIL current account
• Easily manage your savings from the BILnet app
• Avoid the risk of capital loss

The terms and conditions of a savings account:

• Subscription in euro
• The rates shown are gross and subject to change at any time
• Value date of D+2 for deposits and D-2 for withdrawals (business days)
• Interest paid annually on 31 December
• Interest may be subject to tax and social security deductions
• Account handling charges amount to EUR 5/year
• The savings account has no upper limit on deposits

Risks and guarantees

Subject to Luxembourg law only. Should BIL file for bankruptcy, or be at risk of doing so, funds deposited in savings accounts with the bank are covered by the deposit protection mechanism up to a maximum of EUR 100,000 per depositor.

Find out more about deposit protection

Thematic product

Thinking of retiring or investing in property?

Boost your savings according to your needs

• BIL Pension: Act now to build up personal savings to top up your state pension, with a comprehensive range of products tailored to your current and future needs

Possible tax deductions on your Luxembourg tax return as a non-resident Luxembourgish assimilated taxpayer

• Mortgage savings scheme: Save up to buy property or carry out renovations

Possible tax deductions on your Luxembourg tax return as a non-resident Luxembourgish assimilated taxpayer

• Luxembourg life insurance: benefit from a unique investor protection regime and a wide range of investment vehicles

Any investment may carry a risk of capital loss. Tax treatment depends on the individual circumstances of each non-resident or equivalent and is subject to change.

Investment products

Want to seize opportunities on the financial markets?

• Save in a different way, and at your own pace, by automatically staggering your investments in funds over time
• Build an investment fund portfolio that suits you by taking one of our two approaches: “turnkey” or “à la carte”
• Structured products: Diversify your portfolio and optimise your returns with different risk levels tailored to your profile

Investing in these solutions entails a risk of capital loss. Past returns are no guarantee of future returns.
Certain types of structured products may not be authorized for sale in your country of residence.