EN
General Fee Schedule
for clients having signed up to the BILdirect offering
BILdirect is a free package which allows you to carry out most of your transactions online or using your
smartphone completely independently.
Online current account
• No account handling charges
• Secure access: LuxTrust token
•
Accounts
Transfers
1 Servicard V PAY debit card
• 1 V PAY withdrawal from non-BIL ATMs
and unlimited withdrawals across the BIL network
• Customisable card
•
Debit Cards
Credit Cards
BILnet Eurotransfers
• Standing orders
• Direct debits
•
• 1 BIL Webcard
• Unlimited direct withdrawals across
the BIL network
BILnet et app. BILnet Mobile
• QuickBanking TM
• Digicash
•
Services
Account statements
• Card statements
• Debit advices
•
E-Docs
In order to be eligible for the free BILdirect offering,
you must satisfy one of the following conditions concerning the management of your account.
Monthly deposits:
minimum of EUR 1,000
to your current account
or
Minimum monthly
balance of EUR 2,000
on your account
Failure to comply with these conditions will result in an amount of EUR 5 per month being debited from your
current account. This will be verified on the last business day of each month.
Questions?
Contact us! Our BIL Direct Center online branch will be happy to answer your questions.
Email: [email protected]
Tel.: +352 4590-9045 (Monday to Friday, 8 a.m. to 7 p.m.)
Drop by any BIL branch to discuss all your projects with us and take advantage of the expertise of our Relationship managers, free of charge.
For all BILdirect account holders:
Manage your accounts and carry out most of your transactions online: credit card balances, transfers, stock market orders,
loan simulations and applications, electronic account statements, card statements, debit advices and secure messaging with
your Relationship manager, etc.
Use BILnet or BILnet Mobile and avoid the additional charges incurred for in-branch transactions.
BILdirect Package
• BILdirect dedicated current account keeping and statements
• Electronic account statements
• 1 Servicard V PAY debit card, which can be customised using BILnet
• 1 V PAY withdrawal per month from non-BIL ATMs
Free*
• 1 MasterCard BIL Webcard credit card
• 1 Luxtrust token
• Unlimited number of Eurotransfers with BILnet,
standing orders and direct debits
*subject to compliance with the conditions specified on page 1 of this document
Additional products and services
Generation of documents/duplicates (per document, excl. VAT)
not included in the BILdirect package
Transaction/request through BILnet
Account statement
EUR 25
Free
Credit card statement
EUR 25
Free
Debit advice
EUR 25
Free
Certificate of debit interest
EUR 25
Free
Bank account details slip (RIB)
EUR 25
Free
Positions/assets report
EUR 25
Free
Opening
Free
Free
Account keeping Free
Free
Half-yearly account statement charges
EUR 7.50 / per statement
EUR 7.50 / per statement
Postal rate + EUR 1 (on request)
Not Applicable
Opening
Free
Free
Annual account statement charges
EUR 5 / per statement
EUR 5 / per statement
Opening
Free
Free
Creation of investor profile Free
Free
EUR 16
EUR 16
• Visa Classic
EUR 12
(-25% off the standard rate)
EUR 12
(-25% off the standard rate)
• MasterCard Gold
EUR 55
EUR 55
• MasterCard Platinum
EUR 200
EUR 200
Withdrawals from BIL ATMs Free
Not Applicable
V PAY withdrawals from non-BIL ATMs EUR 1.90
(First monthly withdrawal free)
Not Applicable
Replacement of a damaged card
Free
Free
Urgent card order
EUR 50.26
Not Applicable
Blocking lost/stolen card
EUR 16
Not Applicable
Change of card limit
EUR 25
Free
Debit card customisation
EUR 25
Free
Additional current account
Paper statements
Savings account
Securities account
Cards
V PAY debit card (annual fee)
Credit cards (annual fee):
Transfers
Transaction/request through BILnet
Eurotransfers in standardised paper format
EUR 5
Not Applicable
Eurotransfers entered in-branch
EUR 10
Not Applicable
International transfers
(excluding Eurotransfers)
0.20%
(min EUR 5 / max EUR 125)
0.15%
(min EUR 5 / max EUR 100 )
Change of transaction limit
(transfer, QuickBanking™, Digicash)
EUR 25
Free
Standing orders
(creation/cancellation/modification)
EUR 25
Free
Cash withdrawals in euro (or euro equivalent)
Over-the-counter withdrawals
– amount < EUR 5,000
EUR 10
Not Applicable
BIL ATMs (bank card/QuickMoney™)
Free
Not Applicable
1% (min EUR 75)
Not Applicable
Personal loans – application fee
Min EUR 150
Min EUR 150
Mortgage loans – application fee
1% (min EUR 250)
1% (min EUR 250)
Share and ETF buying/selling fees
1.25%
(min EUR 75)
0.30%
(min EUR 25)
Bond buying/selling fees
1%
(min EUR 75)
0,30%
(min EUR 25)
Money market fund entry fees
0.10%
30% discount 2
Money market fund exit fees (Excluding fees
paid to promoters and/or funds)
Free
Free
Other fund subscription fees Max 3%
30% discount 2
Other fund exit fees (Excluding fees paid to
promoters and/or funds)
Max 0.50%
Free
Structured products subscription fees
Max 2%
Max 2%
Early redemption fees
3% on a sliding scale
3% on a sliding scale
• Funds, bonds and BIL structured products
Free
Free
• Funds, bonds 0.125%
Free (the year of purchase, 0.125%
in subsequent years)
• Other securities
0.250%
Free (the year of purchase, 0.250%
in subsequent years)
Loans and current account overdrafts
Current account overdrafts – application fee
Investment products1
Custody fee per line (excl. VAT):
Excluding local taxes, broker fees and handling fees. Details of the amount of broker fees and handling fees can be consulted on www.bil.com.
S tock exchanges available in BILnet: Frankfurt – Xetra; Euronext Paris, Brussels and Amsterdam; US markets (NASDAQ, AMEX, NYSE); Canada (Toronto and Vancouver); London (LSE);
Switzerland (Six Swiss); Stockholm Stock Exchange; Copenhagen Stock Exchange. Other stock exchanges: transactions can be executed using the secure messaging system at BILnet rates.
²
Discount applicable for the funds available in BILnet.
1
This document is an extract of Banque Internationale à
Luxembourg’s fee schedule and does not constitute a
sales offer or an invitation to make any form of investment. Applicable fees, subject to changes, and errors
and/or omissions excepted. The provision of financing,
guarantees and cards, and the implementation of savings and investment solutions are subject to acceptance of your application. This publication may not be
copied or duplicated in any form whatsoever or redistributed without the prior written consent of Banque
Internationale à Luxembourg.
Banque Internationale à Luxembourg SA
69, route d’Esch • L-2953 Luxembourg
RCS Luxembourg B-6307
T (+352) 4590-1 • F (+352) 4590-2010
[email protected] • www.bil.com
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