Good to know
With our DUO offer, get 50% off your second bank card of the same type.
The bank account for young professionals
To guide you through your first steps into professional life in Luxembourg, we’ve created a free bank account for 18 to 29 year-old young professionals, including a personalised bank offer.
A free bank account just for young professionals
Starting your professional life means you’ll need to open a bank account to manage your salary, housing, car, bills, hobbies and so on.
With the “Essentiel” range under the Startin’ Job Starters current account, benefit from products and services essential for the day-to-day management of your finances:
- open multiple current accounts (OptiFlex) for your salary and banking transactions;
- get a V PAY debit card to make purchases and withdrawals;
- make unlimited electronic transfers to any other BGL BNP Paribas account;
- make 15 electronic transfers per month to another bank in Luxembourg or within the SEPA zone (€0.75 per additional transfer);
- withdraw cash at any BNP Paribas Group ATM in Luxembourg or abroad;
- manage your cards and accounts on the go and at any time, using Web Banking on a PC, tablet or smartphone;
- get investment advice from a dedicated young professionals advisor.
(1) Offer valid if your salary is paid into a BGL BNP Paribas account.
Did you know?
If you’re renting a property, your landlord will most likely require a rental deposit to protect against any risk of damage to their property. To help keep spending down during your move, we’ll provide you with a rental guarantee in a blocked account, so you don’t have to advance the money. This way, if the owner claims compensation from you, you’ll only be required to pay for the actual cost of the repairs.
Add options to the card, depending on what you need as a young professional
Want more? With the “Libertés” offer attached to the Startin’ Job Starters bank account, subscribe to the additional products and services you require:
- an additional Startin’ V PAY debit card for you or your partner;
- a free Visa Classic credit card; (2)
- a World Mastercard Gold credit card;(2)
- a Web Credit Card for completely secure online payments;
- an OptiLine credit line, giving you access to a cash reserve whenever you need it.
(2) Subject to approval of your application.
Did you know?
Under employer agreements, BGL BNP Pariba's partners offer preferential banking conditions to their employees in Luxembourg. Check if your employer has an agreement with us to make the most of this offer.
In practice
Victoria has just been hired by a consulting firm in Luxembourg. Because this company is a BGL BNP Paribas partner, she was able to benefit from preferential conditions when opening her bank account: a free current account and a free Mastercard Gold credit card to help her get started in professional life.
Switch banks easily and free of charge
Are you looking to change banks?
With FaciliSwitch, the free bank switching service, BGL BNP Paribas will take care of everything on your behalf. Switch banks quickly, simply and free of charge.
Frequently asked questions
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You can open your Startin’ Job Starters bank account entirely online, in just a few clicks.
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To open a free young professionals bank account, you’ll need to fulfil one of these conditions:
- Be a resident in Luxembourg,
- Have an employment contract in Luxembourg (fixed-term, permanent, internship, etc.),
- Be a student in Luxembourg,
- Be eligible for a CEDIES loan: student grant paid by Luxembourg if at least one parent works in Luxembourg,
- Earn an income in Luxembourg, e.g. retirement pension, even if you aren’t a Luxembourg resident,
- Collect rent in Luxembourg.
You must also be aged between 18 and 29, and your income must be paid into this BGL BNP Paribas current account.
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To open your young professionals bank account, you’ll need to provide:
- Your ID card,
- Your employment contract (if it is dated within the last three months), or a recent payslip (dated within the last three months),
- Proof of address: certificate of residence, electricity/, gas/ or water bill, home insurance certificate (dated within the last three months),
- Your tax number.
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The Startin’ Job Starters account is free for 18 to 29-year-olds. When account holders turn 30, the account is no longer free.
Simple and fast: open your Startin’ Job Starters account online in just a few clicks!
- Apply online
- Send your supporting documents
- Your account is open!
Garantie locative
La garantie locative est une somme d’argent bloquée sur un compte, destinée à couvrir le propriétaire d’un logement contre les éventuels dommages causés par le locataire. En principe, la somme d’argent doit être avancée par le locataire et correspond à 1, 2 ou 3 mois de loyer. En tant qu’étudiant, nous mettons à votre disposition une garantie locative sans dépôt de maximum 5000 €.