Discover our exclusive range of banking offers

Dive into our selection of banking packages, designed to meet all your financial needs.

Discover our exclusive range of banking offers

Dive into our selection of banking packages, designed to meet all your financial needs.

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

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

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 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 rate

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

Have your salary paid into your BIL account and benefit from a reduced rate.

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.

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.

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.

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

BIL Visa Gold

6€ / month

BIL Visa Platinum

17€ / month

BASIC FEATURES

Current accounts

Unlimited

Savings accounts

5€ / year

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

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

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 €

Unlimited

Non-SEPA outgoing transfer

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

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

Missed departure

Up to 750€ per claim

Delayed flight

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

Stolen luggage

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

BIL Visa Gold

6€ / month

BIL Visa Platinum

17€ / month

BASIC FEATURES

Current accounts

Unlimited

Savings accounts

5€ / year

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

Instant transfers

Free and unlimited instant payments in Luxembourg and at banks in the SEPA zone offering instant payments.

Unlimited

Monthly ATM withdrawals (BIL network)

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€

Unlimited

Non-SEPA outgoing transfer

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

Authorised overdraft application fee

1% min. 75€

Free

Authorised overdraft rate

-25 bps

-50 bps

Personal loan application fee

min. 250€

-50%min. 125€

Mortgage application fee

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

Missed departure

Up to 750€ per claim

Delayed flight

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

Stolen luggage

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