BILnet
en

Exclusive offers for newcomers

Moien,
Welcome to
Luxembourg!

Want more information?
Find the perfect package for you
How old are you?
Under 30 years old
Over 30 years old
What is your financial situation?
Regular income
Irregular income
Do you want a credit card?
Yes
No
What is your family situation?
Single
Single
with children
In a relationship
In a relationship
with children
How often do you travel?
Less than 3 times a year
More than 3 times a year
Question
1
/5
Our recommendation
BIL Silver
BIL Gold
BIL Platinum
The practical solution for your daily finances: an immediate debit card, usable in stores and online with complete security.
The ideal banking offer for worry-free travel: multiple payment cards, including the BIL Visa Gold, with comprehensive insurance and assistance for your travels, purchases, and unforeseen events.
Designed for 18 to 29-year-olds: all the benefits of BIL Gold at 0€/month* with the BIL Visa Gold card. Enjoy comprehensive travel insurance and assistance, as well as exclusive benefits to discover the world with peace of mind.
The ideal solution for a premium experience: high-end cards, extended insurance, and exclusive benefits tailored to your lifestyle.
VISA Debit
VISA Debit
VISA Gold
VISA classic
2x VISA Debit
VISA Platinum
VISA Gold
Make BIL your main bank!
Have your salary paid into your BIL account and benefit from a reduced rate!
See reduced rates
Make BIL your main bank!
Have your salary paid into your BIL account and benefit from a reduced rate.
We recommend
BIL Silver
We recommend
BIL Gold
We recommend
BIL Platinum
See reduced rates
We recommend
BIL Silver
5€ / month
A monthly fee of €3.50 will be charged, provided that a minimum of €1,500 is paid into the account during the reference period and booked to the account from which the package fee is debited . Otherwise, a fee of €5/month will be applied.
Subscribe
This pricing will take effect as from the 1st January 2025.
We recommend
BIL Gold
11,90€ / month
Free for 18-29 year olds
A monthly fee of €9.90 will be charged, provided that a minimum of €2,500 is paid into the account during the reference period and booked to the account from which the package fee is debited . Otherwise, a fee of €11.90/month will be applied.
Subscribe
This pricing will take effect as from the 1st January 2025.
We recommend
BIL Platinum
21,90€ / month
A monthly fee of €19.90 will be charged, provided that a minimum of €3,500 is paid into the account during the reference period and booked to the account from which the package fee is debited . Otherwise, a fee of €21.90/month will be applied.
Subscribe
This pricing will take effect as from the 1st January 2025.
BANK CARDS
Bank cards will only be issued once your application has been accepted. Bank cards are not automatically ordered when you subscribe to a package. Once your account has been activated, order the card(s) on BILnet.
BIL Visa Debit
BIL Visa Classic
2€ / month
2€ / month
BIL Visa Gold
6€ / month
BIL Visa Platinum
17€ / month
17€ / month
BASIC FEATURES
Current accounts
1
Unlimited
Unlimited
Savings accounts
5€ / year
Unlimited
Unlimited
Investment accounts
DIGITAL AND ONLINE FEATURES
BILnet online banking
LuxTrust Mobile
Mobile payments Apple Pay, Google Pay
Monthly electronic statement
PAYMENTS AND WITHDRAWALS
Electronic Euro transfers
Unlimited
Unlimited
Unlimited
Instant transfers
Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
Unlimited
Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
Unlimited
Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
Unlimited
Monthly ATM withdrawals (BIL network)
Unlimited
Unlimited
Unlimited
Monthly ATM withdrawals (outside BIL network)
2,50€
1 free / month, then 2€ per withdrawal
1 free
2 free / month, then 2€ per withdrawal
2 free
Non-SEPA incoming transfer
0.20 % of amount min. 5 € / max. 40 €
0.20 % of amount min. 5 € / max. 40 €
Unlimited
Non-SEPA outgoing transfer
0.15 % min. 5 € / max. 100 €
0.15 % min. 5 € / max. 100 €
0.15 % min. 5 € / max. 100 €
CREDIT FACILITIES
  • The conditions applied to loans depend on your ability to repay, the guarantees provided and the purpose of the loan.
  • The final rate applied will only be known once the application has been analysed.
  • All loans and overdrafts are subject to acceptance of your application.
Bank guarantee
2 % min. 75€ / 0,50 % min. 25€ per trimester
for new applications
Free
for new applications
Free
Authorised overdraft application fee
1 % min. 75€
Free
Free
Authorised overdraft rate
-
-25 bps
-50 bps
Personal loan application fee
min. 250€
min. 125€
-50%
min. 125€
-50%
Mortgage application fee
0,50% min. 350€
min. 350€
-0,50%
min. 350€
-25%
PURCHASE PROTECTION
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
In-store purchase protection
-
Up to 2.500€ / claim and 5.000€ / year
Up to 5.000€ / claim and 10.000€ / year
Online purchase protection
-
Up to 1.500€ / claim and 5.000€ / year
Up to 2.500€ / claim and 10.000€ / year
TRAVEL AND THEFT INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Travel accident
-
Up to 200.000€ per claim
Up to 200.000€ per claim
Missed departure
-
Up to 750€ per claim
Up to 750€ per claim
Delayed flight
-
Up to 200€ per claim
Up to 200€ per claim
Travel cancellation
-
Up to 5.000€ per claim
Up to 15.000€ per claim
Flight refund service
-
Delayed luggage
-
Up to 1.000€ per claim
Up to 1.000€ per claim
Stolen luggage
-
Up to 2.500€ per claim
Up to 2.500€ per claim
Travellers assistance
-
Medical expenses abroad
-
Up to 50.000€ per claim
Up to 250.000€ per claim
Smart Delay
-
-
90 min late = lounge access for you + 3 guests
Airport lounge access
-
-
2 entries (discount on subsequent entries)
LoungeKey membership
-
-
Car rental insurance
-
-
Up to 10.000€ per claim
LEISURE INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Ski equipment
-
Up to 750€ per claim
Up to 1.000€ per claim
Ski assistance
-
EVERYDAY INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Home assistance
-
-
Legal information
-
-
Bike assistance
-
-
Medical assistance
-
-
Smartphone theft cover
-
-
Up to 1.000€ per claim
Car accident and breakdown cover
-
-
BANK CARDS
1. Bank cards will only be issued once your application has been accepted. Bank cards are not automatically ordered when you subscribe to a package. Once your account has been activated, order the card(s) on BILnet.
BIL Visa Debit
BIL Visa Classic
2€ / month
2€ / month
BIL Visa Gold
6€ / month
BIL Visa Platinum
17€ / month
17€ / month
BASIC FEATURES
Current accounts
1
Unlimited
Unlimited
Savings accounts
5€ / year
Unlimited
Unlimited
Investment accounts
DIGITAL AND ONLINE FEATURES
BILnet online banking
LuxTrust Mobile
Mobile payments Apple Pay, Google Pay
Monthly electronic statement
PAYMENTS AND WITHDRAWALS
Electronic Euro transfers
Unlimited
Unlimited
Unlimited
Instant transfers
Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.
Unlimited
Unlimited
Unlimited
Monthly ATM withdrawals (BIL network)
Unlimited
Unlimited
Unlimited
Monthly ATM withdrawals (outside BIL network)
2,50€
1 Free1 free / month, then 2€ per withdrawal
2 Frees2 free / month, then 2€ per withdrawal
Non-SEPA incoming transferA
0.20 % of amountmin. 5€ / max. 40€
0.20 % of amountmin. 5€ / max. 40€
Unlimited
Non-SEPA outgoing transfer
0,15% of amountmin. 5€ / max. 40€
0,15% of amountmin. 5€ / max. 40€
0,15% of amountmin. 5€ / max. 40€
CREDIT FACILITIES
  • The conditions applied to loans depend on your ability to repay, the guarantees provided and the purpose of the loan.
  • The final rate applied will only be known once the application has been analysed.
  • All loans and overdrafts are subject to acceptance of your application.
Bank guarantee
2% min. 75€ / 0,5% min. 25€ per trimester
Freefor new applications
Freefor new applications
Authorised overdraft application fee
1% min. 75€
Free
Free
Authorised overdraft rate
-
-25 bps
-50 bps
Personal loan application fee
min. 250€
-50%min. 125€
-50%min. 125€
Mortgage application fee
0,50%min. 350€
0,50%min. 350€
-25%min. 350€
PURCHASE PROTECTION
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
In-store purchase protection
-
Up to 2.500€ / claim and 5.000€ / year
Up to 5.000€ / claim and 10.000€ / year
Online purchase protection
-
Up to 1.500€ / claim and 5.000€ / year
Up to 2.500€ / claim and 10.000€ / year
TRAVEL AND THEFT INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Travel accident
-
Up to 200.000€ per claim
Up to 200.000€ per claim
Missed departure
-
Up to 750€ per claim
Up to 750€ per claim
Delayed flight
-
Up to 200€ per claim
Up to 200€ per claim
Travel cancellation
-
Up to 5.000€ per claim
Up to 15.000€ per claim
Flight refund service
-
Delayed luggage
-
Up to 1.000€ per claim
Up to 1.000€ per claim
Stolen luggage
-
Up to 2.500€ per claim
Up to 2.500€ per claim
Travellers assistance
-
Medical expenses abroad
-
Up to 50.000€ per claim
Up to 250.000€ per claim
Smart Delay
-
-
90 min late = lounge access for you
+ 3 guests
Airport lounge access
-
-
2 entries
(discount on subsequent entries)
LoungeKey membership
-
-
Car rental insurance
-
-
Up to 10.000€ per claim
LEISURE INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Ski equipment
-
Up to 750€ per claim
Up to 1.000€ per claim
Ski assistance
-
EVERYDAY INSURANCE
  • BIL Gold offer: The BIL Visa Gold insurance and assistance policy applies.
  • BIL Platinum offer: The BIL Visa Platinum insurance and assistance policy applies.
Home assistance
-
-
Legal information
-
-
Bike assistance
-
-
Medical assistance
-
-
Smartphone theft cover
-
-
Up to 1.000€ per claim
Car accident and breakdown cover
-
-
Download the full table of our banking offers
Subscribe to BIL Silver Already a customer ?
Subscribe to BIL Gold Already a customer ?
Subscribe to BIL Platinum Already a customer ?
Download the full table of our banking offers
  • The applicable conditions, as well as additional information, are specified under the symbol ⓘ
  • This ✔ symbol indicates that this feature is included in the package

Welcome!

Congratulations on your decision to live and work in Luxembourg!
Welcome to our beautiful country.
We know that as a newcomer, you have certain needs and requirements. That’s why we’ve put together a special offer just for you.

Enjoy free, unlimited
eurotransferts on BILnet

Finance the security deposit on your rental property

Manage your account from anywhere with BILnet internet banking

A car? A new kitchen? Bring your projects to life with our personal loan

Enjoy savings solutions tailored
to your situation

and access to a wide array
of investment products

Cards that suit to your needs... and personality  ;-)

With our special deal for newcomers, you get bank cards free of charge with one of our packages. Find one that’s right for you!

Payments and withdrawals

In Luxembourg

In Europe

Abroad

Possibility of paying in instalments

Contactless option

Deposits

Cash deposits at Servibank+ ATMsk

Insurance

Travel accident

Trip cancellation

Purchase protection

Insurance covering emergency spending while you are away

BIL Visa Debit

BIL Visa Debit

A debit card that suits you.

Payments and withdrawals

In Luxembourg
In Europe
Abroad
Paying in instalments
Contactless option

Deposits

Cash deposits at Servibank + ATMsk/span>

Insurance

Travel accident
Trip cancellation
Purchase protection
Insurance covering emergency spending while you are away

Subscribe

Already a client?
BIL Visa Classic

BIL Visa Classic

A credit card for withdrawals and payments in Luxembourg and around the world.

Payments and withdrawals

In Luxembourg
In Europe
Abroad
Paying in instalments
Contactless option

Deposits

Cash deposits atServibank + ATMsk

Insurance

Travel accident
Trip cancellation
Purchase protection

(from EUR 100 and up to EUR 500 per item)
General terms and conditions

Insurance covering emergency spending while you are away

subscribe

Already a client?
BIL Visa Gold

BIL Visa Gold

A credit card for withdrawals and payments in Luxembourg and abroad with all the Gold benefits of MasterCard.

Payments and withdrawals

In Luxembourg
In Europe
Abroad
Paying in instalments
Contactless option

Deposits

Cash deposits atServibank + ATMsk

Insurance

  (and assistance)

 

 (up to EUR 5,000)
General terms and conditions

(from EUR 100 and up to EUR 2,500 per item)
General terms and conditions

(in the event of delays or cancellations, missed departures or connections, lost or delayed luggage)
General terms and conditions

Subscribe

Already a client?

Manage your accounts at any time and from anywhere with BILNET

Discover BILnet and its wide range of features using our videos!

Available on the App Store Get it on Google Play

Need help with BILnet?

Check out our tutorials!
Discover

WE CAN HELP MAKE YOUR PLANS A REALITY.

Now that you’ve started a new chapter, let us help you make the most of it.

ARE YOU RENTING A HOME IN LUXEMBOURG FOR THE FIRST TIME?

We have flexible solutions allowing you to pay your security deposit and finance your moving costs.

  • Borrow up to five times the amount of your rent to pay your security deposit, and pay back your loan over a period of up to 36 months
  • You no longer need to tie up your savings, which remain at your disposal

Contact us

NEED A LITTLE HELP?

Whether it’s for a car, a new kitchen, or a home project... With our personal loan, you benefit from preferential terms to finance your plans.

  • Choose a repayment period from one to five years
  • Receive a prompt response to your loan application
  • Access your funds quickly
Read more

PLANNING TO BUY A HOME?

We offer financing solutions adapted to your needs.

  • Reap the rewards of historically low interest rates
  • Take advantage of incentives granted by the Luxembourg government

Read more

Want to save and pay lower taxes? Here’s how!

It’s vital to plan for the future of you and your family. But did you know that we have tax-deductible savings solutions and other products eligible for the government guarantee scheme?

Discover our range of savings products and their benefits.

Savings Plus
Account 1

Do you want to gradually build up capital for a project or for contingencies? Discover the Savings Plus account.

Eligible for the government
guarantee scheme Find out more

Mortgage-savings Wüstenrot

Would you like to save up for the purchase of a property in Luxembourg or Germany, for renovations or for home improvements? Are you prepared to build up savings over the long term?

Eligible for the government
guarantee scheme Tax-deductible3 Find out more

Supplementary pension BIL Pension

Would you like to make the most of your retirement? Act now to build up personal savings to top up your state pension, with a range of pension insurance products suited to your current and future needs.

Tax-deductible3 Find out more

BIL Kids Future

Is your family growing? Start saving now to help your children with their future endeavours. Choose a life insurance policy and combine savings protection and tax benefits. Accessible from EUR 25 per month.

Tax-deductible3 Find out more
What does the government guarantee do for me? Estimate my tax deductions

Investment solutions for those who want more!

Want to take the management of your financial assets to the next level? We offer three investment solutions. The choice is yours!

  • Flexicav 4

    Flexicav is an investment fund savings scheme for people wanting to invest continuously on the financial markets.

    Flexicav is right for me because
    I want to invest regularly without worrying about fund management.

  • BIL structured products4

    Structured products are investment products that offer many advantages. They can be tailored to the specific needs of our clients, who are ever on the look-out for security, higher returns and, above all, transparency.

    BIL Structured Products is right for me because
    I want to maximise my return and diversify my portfolio.

  • BIL Invest4

    An investment fund suited to today's challenges. BIL Invest offers dynamic asset management that combines performance with risk management.

    BIL Invest is right for me because
    I want to invest in funds while choosing my own investment themes.

Contact a relationship manager about this offering

ARE YOU INTERESTED?

Take advantage of our special offer for newcomers today!
Contact us on
+352 4590-5000

Apply for one of our special accounts for newcomers at one of our branches
  • The Savings Plus account can be opened in euro (EUR) or 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), pound sterling (GBP) or Polish zloty (PLN).
  • Offer subject to approval of your application.
  • Tax information varies depending on individual circumstances and is subject to change at any time.
  • Investment products are not risk-free. Please contact our BIL relationship managers to determine which products are most suited to your profile.