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Our savings solutions

Save for your children

Looking to prepare for your children’s future, build up savings, finance their studies, or give them a head start in life? We offer a number of solutions: find out about our interest-bearing savings accounts and OptiKids life insurance.

Youth savings account: benefit from guaranteed capital and acces to your savings

Want to start saving for your child without being tied down? The Youth savings account (up to the age of 29) allows you to save at your own pace, offering guaranteed capital and regular interest until your child turns 29.

The savings are immediately available if needed. You can make deposits and withdrawals at any time.

Growth savings account: build savings for your child, available when they turn 18

Want to build savings for your child to pay for their studies or give them a head start in life?Designed for minors up to the age of 18, the Growth savings account offers an attractive interest rate.

The funds are blocked until they turn 18: as your child grows, so does their capital!

Protect your child’s future with a life insurance policy

Looking to securely save for your children, while benefiting from tax deductions?

OptiKids is a life insurance policy from Cardif Lux Vie, enabling you to build up capital over the medium or long term.
 

  • guaranteed minimum rate with potential profit-sharing;
  • depending on your situation, the premiums paid are tax-deductible for any policy with a minimum term of 10 years;
  • supplementary guarantees in the event of death or disability;
  • option to switch beneficiaries during the policy term.

The life insurance policy may be extended until they turn 25.

Save for your future projects

Savings account or savings book: two secure, easy and fast savings options!

Savings account: your savings earn interest and are available at any time.

Want to put savings aside as and when you choose, without being tied down? The savings account allows you to save at your own pace: build up a cash reserve to finance a project or deal with unexpected circumstances.
 

  • minimum €10 deposit to open the account;
  • savings available at any time;
  • account interest in line with the market rates;
  • total security for your assets;
  • free transfers and withdrawals.

Savings book: invest your savings over 1–2 years to maximise your return

Looking to build up cash to cover any contingencies, while still having access to your money? With a savings book, you benefit from an interest rate depending on the market rates, plus loyalty and growth premiums*. The return on your savings is optimised depending on the retention period. The return on your savings is optimised depending on the retention period.

* An interest rate is applied to your entire savings. A higher interest rate is applied for new cash contributions, as well as for capital held in custody for a certain period of time. 

Save for a home

The Schwäbisch Hall home savings scheme helps you save for a property.

The idea behind it is to encourage you to start saving for the purchase, construction or renovation of your primary residence. If you sign a contract for a minimum period of 10 years and the capital is used to finance your primary residence, the premiums may be tax-deductible.

Discover the Schwäbisch Hall home savings scheme

Combine regular and financial savings

Looking to finance your projects in the medium or long term? The automatic savings plan and OptiSave life insurance allow you to gradually build up savings.

Easinvest automatic savings plan: save yourself from worry

Would you like to save regularly without constraints? With an automatic savings plan, you build up savings little by little and hassle-free.
 

  • you decide on the amount and frequency of automatic payments in advance;
  • your money is invested in BNP Paribas Asset Management funds in order to boost returns;
  • you can sell all or part of the portfolio at market value, free of charge and at any time;
  • you have an investment horizon of at least 3 years.

OptiSave life insurance: combine regular savings with tax benefits

With OptiSave life insurance by Cardif Lux Vie, you can build up capital over time, while enjoying immediate tax benefits (depending on your situation).

You choose the amount and frequency of premiums to be paid.

Two options are available:
 

  • OptiSave Fix: guaranteed minimum rate and potential profit-sharing;
  • OptiSave Flex: premiums invested in one or more internal or external funds, in line with your risk profile.

Save over the medium or long term by investing in the financial markets

Do you want to build a portfolio or set up financial savings? Boost your savings today by investing in the financial markets.

Themed range: create a high-quality portfolio by choosing from a range of funds

The themed range is a selection of 10 investment funds rigorously selected by our experts.

Your advisor can help you:
 

  • determine your investor profile;
  • choose the themed range funds that match your goals;
  • allocate your capital to the funds that best meet your expectations.

With the themed range, choose from a selection of financial investment products fully backed by our experts. Invest your capital and make your savings count. 

With OptiLife², find peace of mind by combining savings with the benefits of life insurance

OptiLife² is a flexible-payment life insurance policy created by Cardif Lux Vie, allowing you to combine life insurance with your savings objectives.

Access a wide selection of funds. Diversify your portfolio according to your investor profile, assets and objectives.

You can also subscribe to optional benefits to protect your loved ones in the event of death.

This product makes it possible to build a portfolio while arranging a transfer of assets.

“Essentiel Conseil” offer: get help building your portfolio

You’ve opened an Essentiel current account at BGL BNP Paribas. Did you know that with the Essentiel Advice option, one of our advisors can help you build your portfolio? An opportunity to discover the financial markets and boost your savings with funds rigorously selected by our experts.

You can carry out your operations online quickly and easily, in the main stock exchanges. Contact our advisors online or by phone, Monday to Friday from 8.30am to 6.30pm.

Direct Invest+: access the full scope of our expertise to manage your portfolio

Are you looking for personalised advice on your investments? With Direct Invest+, speak to a team of specialists with experience in various financial markets. Our experts will help you select the financial investments that best suit your needs. You’ll then meet regularly for in-depth discussions on how your goals are progressing.

Save for retirement with OptiPension+ pension insurance

Do you want to maintain your lifestyle once you retire?

OptiPension+ is a pension insurance solution that helps you save for your retirement. You save regularly under a long-term plan, while taking advantage of tax benefits.

You can split your savings up between two options, depending on your financial goals:
 

  • a guaranteed minimum rate and potential profit-sharing;
  • premiums are invested in one or more internal funds, in line with your risk profile.

You can draw from your savings once you turn 60, and can even withdraw your entire capital. You can also opt for a monthly annuity.

With the OptiPension+ life insurance offer, prepare for your retirement with complete peace of mind!

This document does not claim to provide an exhaustive description of the investment services to which it refers, nor of certain associated risks. A decision to invest may not be taken solely on the basis of this document and should only be taken after careful analysis of all its characteristics and associated risks (as described in the “Investor Guide”) after having obtained all the necessary information. BGL BNP Paribas S.A, as a credit institution, is subject to regulation and supervision by the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg.

Les produits OptiKids, OptiSave, OptiPension + et Optilife sont conçus par Cardif Lux vie et sont distribués par BGL BNP Paribas, agence d’assurances de Cardif Lux Vie immatriculée au registre des distributeurs sous la référence 1996AC001. 

Le traitement fiscal dépend de la situation individuelle de chaque client et est susceptible d’être modifié ultérieurement.