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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.

Good to know

cartes bancaires duo

With our DUO offer, get 50% off your second bank card of the same type.

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

jeune active compte bancaire jeune

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.

 

 

Want to switch banks and become a BGL BNP Paribas customer? Let us take care of everything!

Changing banks involves a whole series of administrative steps:

  • letting your employer know where to send your pay
  • informing water and electricity suppliers
  • transfer any standing order to your savings account, etc. 

To make your life easier, BGL BNP Paribas offers the bank mobility service FaciliSwitch. This completely free service helps you transfer your accounts and banking activities from one bank to another. 

In other words, BGL BNP Paribas manages the relationship with your current bank. We transfer your transactions, balance, and can even close your account for you. There will be no need for you to contact your current bank or utility companies. To take advantage of this service, please feel free to contact one of our advisors!

Frequently asked questions

  • icone faq question Can I open a Startin’ Job Starters current account online, or do I have to go to my local branch?
  • icone faq question What are the conditions for opening a Startin’ Job Starters account?

    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.

  • icone faq question What documents do I need to provide to open an account?

    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.
  • icone faq question When is the young professionals account no longer free?

    The Startin’ Job Starters account is free for 18 to 29-year-olds. When account holders turn 30, the account is no longer free.