Comparison website of fees related to payment accounts

Important information

Last update: 01/01/2020 00:00 hour Download
Services Details regarding the services Banque et Caisse d'Epargne de l'Etat, Luxembourg Banque Internationale à Luxembourg Banque Raiffeisen BGL BNP Paribas ING Luxembourg POST Luxembourg
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 if the amount of the Arranged overdraft is ≤ 10.000 €: annual ajustable rate of 7,15% if the amount of the Arranged overdraft is > 10.000 €: annual ajustable rate of 6,15% 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 ≥ 75 years as well as certain 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 14 € / 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: first 4 supplements (**) Sending money SEPA (paper) (TUP) / month: free after the 4th Sending money SEPA (paper) (TUP): fee for Sending money SEPA (electronic) (*) + supplement of 0,75 € / Sending money (clients ≥ 75 years as well as certain 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: first 2 supplements (**) Sending money SEPA (counter) / month: free after 2nd Sending money SEPA (counter): fee for Sending money SEPA (electronic) (*) + supplement of 3 € / Sending money (clients ≥ 75 years as well as certain 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
(*) For the determination of the number of free Sending money per client one has to take into consideration the Sending money ≤ 250.000 € recorded in the category "Standing order" and the Sending money ≤ 250.000 € recorded in the subcategories of the category "Sending money". (**) Every Sending money SEPA (paper or counter) is processed electronically and is therefore recorded as Sending money SEPA (electronic) and afterwards as supplement as Sending money SEPA (paper or counter). (*) For the determination of the number of free operations one has to take into consideration the operations to an other institution recorded in the categories "Direct debit", "Standing Order" and "Sending money SEPA (electronic)". (**) For the determination of the number of free operations one has to take into consideration every operation recorded in the category "Sending money SEPA (paper)". (*) For the determination of the number of free Sending money one has to take into consideration the Sending money recorded in the categories "Standing order" and "Sending money SEPA (electronic)".