| 1. Online banking |
|
free |
free |
free |
free |
free |
free |
| 2. Arranged overdraft |
a) Fees |
if the amount of the Arranged overdraft is ≤ 10.000 €: single commission of 50 €
if the amount of the Arranged overdraft is > 10.000 €: single commission of 0,50% of the amount of the Arranged overdraft with a minimum of 250 € |
single commission of 1% of the amount of the Arranged overdraft with a minimum of 75 € |
free |
free |
free |
free |
| 2. Arranged overdraft |
b) Interests |
annual adjustable rate of 7,15% |
7,40 % |
Arranged overdraft with security: 4,00%
Arranged overdraft without security: 5,50%
Arranged overdraft linked to a card: 9,00% |
8,05% (negotiable rate) |
9% |
legal interest rate (2,25% in 2018) +3% |
| 3. Direct debit |
a) Direct debit SEPA with transfer to the same institution as the debtor's (client): |
free |
free |
free |
free |
free |
free |
| 3. Direct debit |
b) Direct debit SEPA with transfer to an other institution than the debtor's (client): |
free |
Direct debit is considered as Sending money SEPA (electronic) (*) (see below) |
free |
free |
free |
free |
| 4. Account statement |
a) Paper (monthly): |
free |
current postal tariff |
free |
current postal tariff |
current postal tariff + 0,30 € |
free |
| 4. Account statement |
b) Electronic (monthly): |
free |
free |
free |
free |
free |
free |
| 5. Providing a credit card |
|
1 credit card Visa Classic or 1 debit card S-Card Top (free of charge) |
Visa Classic: 20 € / year
Visa Gold: 60 € / year |
Visa Classic: 18 € / year (payment possible via OPERA points)
Mastercard Blue: 12 € / year |
Visa Classic: 17 € / year
Mastercard Gold: 60 € / year |
Visa Classic: 20 € / year |
Visa Classic: 16 € / year
Visa Gold: 50 € / year |
| 6. Providing a debit card |
|
1 credit card Visa Classic or 1 debit card S-Card Top (free of charge) |
16 € / year |
15 € / year (payment possible via OPERA points) |
17 € / year |
15 € / year |
Carte POSTCHEQUE 15 € / year
Carte MYCASH 10 € / year
Carte Easy Visa 18 € (every 4 years) |
| 7. Standing order |
a) Standing order SEPA to the same institution: |
Standing orders are considered as Sending money SEPA (electronic) (see below) |
free |
free |
free |
free |
free |
| 7. Standing order |
b) Standing order SEPA to an other institution: |
MERGE_PREVIOUS |
Standing orders are considered as Sending money SEPA (electronic) (*) (see below) |
Standing orders are considered as Sending money SEPA (electronic) (*) (see below) |
1 free / month, then 0,75 € / supplementary operation |
free |
free |
| 8. Cash withdrawal |
a) Cash withdrawal at an ATM of the same institution in Luxembourg: |
free |
free |
free |
free (includes Cash withdrawals at an ATM of the BNP Paribas group in Europe) |
free |
free |
| 8. Cash withdrawal |
b) Cash withdrawal at an ATM of an other institution in Luxembourg: |
1 free / month, then 2 € |
1 free / month, then 1,90 € |
Post: free
other institution: 1,50 € |
3 € |
0,75 € |
Raiffeisen network: free
other institution: 1,50 € |
| 8. Cash withdrawal |
c) Cash withdrawal at the counter in Luxembourg: |
3 €
(minors and clients born before 1946 as well as clients with special needs benefit from free Cash withdrawals in euro) |
clients born before 1950 and clients with special needs: free
other clients: 5 € |
amount of 0 - 50.000 €: free
other amount: 25 € |
3 € (minors and people over 65 years as well as certain clients with special needs benefit from free Cash withdrawals) |
amount of 0 - 300 €: 2,50 €
other amount: free |
3 € |
| 9. Maintaining the account |
|
2,50 € / month |
7,50 € / half-year |
4 € / quarter |
16 € / year |
4 € / quater |
free |
| 10. Sending money |
a) Sending money SEPA (paper) |
|
|
|
|
|
|
| 10. Sending money |
i) to a third party account of the same institution: |
fee for Sending money SEPA (electronic) + supplement of 0,75 € / Sending money with 4 free supplements / month
(clients born before 1946 as well as clients with special needs benefit from free supplements) |
up to 2 free / month, then 1 € (**) |
clients born before 1955: free
other clients: 0,75 € |
1 € (Sending money SEPA (paper) is free for people over 65 years) |
free |
0,70 € |
| 10. Sending money |
ii) to an other institution: |
MERGE_PREVIOUS |
up to 1 free / month, then 2 € (**) |
clients born before 1955: 5 free / month, then 1,50 € / Sending money
other clients: 1,50 € |
3,50 € (Sending money SEPA (paper) is free for people over 65 years) |
from 2 € to 5 € depending on the amount |
1,50 € |
| 10. Sending money |
b) Sending money SEPA (counter) |
|
|
|
|
|
|
| 10. Sending money |
i) to a third party account of the same institution: |
fee for Sending money SEPA (electronic) + supplement of 3 € / Sending money
(clients born before 1946 as well as clients with special needs benefit from free supplements) |
fee for Sending money SEPA (paper) + single commission for manual treatment 5 €
(clients born before 1950 and clients with special needs: free single commission for manual treatment) |
clients born before 1955: free
other clients: 3,75 € |
1 € (Sending money SEPA (counter) is free for people over 65 years) |
free |
3 € |
| 10. Sending money |
ii) to an other institution: |
MERGE_PREVIOUS |
fee for Sending money SEPA (paper) + single commission for manual treatment 5 €
(clients born before 1950 and clients with special needs: free single commission for manual treatment) |
clients born before 1955: 5 free / month, then 1,50 € / Sending money
other clients: 4,50 € |
3,50 € (Sending money SEPA (counter) is free for people over 65 years) |
from 2 € to 5 € depending on the amount |
4,50 € |
| 10. Sending money |
c) Sending money SEPA (electronic) |
|
|
|
|
|
|
| 10. Sending money |
i) to a third party account of the same institution: |
free |
free |
free |
free |
free |
free |
| 10. Sending money |
ii) to an other institution: |
Sending money SEPA (electronic) ≤ 250.000 € : free
Sending money SEPA (electronic) > 250.000 €: 10 € / Sending money |
up to 24 free / month, then 0,50 € (*) |
to an account of Post: free
to an account of an other institution: 5 free / month, then 0,75 € / Sending money
|
1 free / month, then 0,75 € / Sending money |
free |
free |
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