How do I manage my accounts?

An instant payment allows you to send money quickly. Once validated, the amount is credited to the recipient’s account within seconds and cannot be canceled. You can make an instant payment between your own accounts, to another BGL BNP Paribas customer, or to an external account if the following conditions are met:

1. The recipient’s bank must support the “instant payment” service.
2. The transfer amount must be less than €15,000.
    

When validating the transfer, you can choose between an instant or a standard transfer.

Instant transfers are charged the same as SEPA electronic transfers.

• If you have a personal banking package (Young People, Essentiel, Comfort, Exclusive),  instant payments are free.
• If you have a professional package (Essentiel Association, Essentiel Professionnel, Essentiel Professions Libérales, Essentiel Entrepreneur) you pay €0.75 for each transfer (instant or not) beyond the free quota included in your offer.
  
  Example: If your offer includes 25 SEPA transfers per month, you’ll pay €0.75 starting from the 26th transfer.

• If you have a current account outside of these offers, you get one free SEPA transfer (instant or not) per month. Beyond that, each transfer costs €0.75.

A standing order allows you to transfer a fixed amount on a regular basis. You can set it up via the Web Banking app or the website.

From the app:

1. Go to the ‘Transfers’ menu and tap ‘Make a transfer’.
2. Select the account to be debited (automatically selected if you only have one).
    

From the website:

1. In the ‘Payments’ menu, click ‘Standing order’ then ‘Make a transfer’.
2. Or from the dashboard, click ‘Make a transfer’.
    

Then:

1. Select the account to credit:
   - ‘My Accounts’ for internal transfers.
   - ‘My Beneficiaries’ for saved recipients.
   - ‘Other account’ for a new recipient.
   
   
2. Confirm recipient details and tap ‘Next’.
3. Choose the amount and currency.
4. Set the frequency (monthly, quarterly, etc.) and start/end dates.
5. You can add a reference but it is optional
6. Review and tap ‘Confirm’.
    

LuxTrust Mobile authentication may be required. 

You can make a one-time transfer anytime via the app or website.

1. From the app: go to the ‘Transfers’ menu.
   
   From the website: go to ‘Payments’ > ‘Transfer’ or click ‘Make a transfer’ from the dashboard.
   
   
2. Select the account to debit.
   
   
3. Select the account to credit:
   - ‘My Accounts’
   - ‘My Beneficiaries’
   - ‘Other account’ (enter bank details)
   
   
4. Confirm recipient details and tap ‘Next’.
5. Choose amount, currency, and date (default is immediate You can add a reference but it is optional.
6. Review and tap ‘Confirm’. 
    

LuxTrust Mobile authentication may be required.

You can view your transfers and standing orders via the app or the website.

From the app:

1. In the ‘Transfers’ menu, view your one-time transfers.
2. Tap ‘Standing order’ to view recurring ones.
    

From the website:

1. In the ‘Payments’ menu, select ‘Transfers’ or ‘Standing orders’.
2. Click ‘All my transfers’ to view older ones.
    

Statuses:

• ‘Created’: pending
• ‘Processed’: completed
• ‘IP-processed’: instant and irreversible
• ‘Canceled’: no debit occurred

For standing orders, you’ll see execution dates, credited accounts, and amounts.

You can modify or cancel a standing order via the app (‘Transfers’ menu) or the website (‘Payments’ menu):

1. Select ‘Standing order’ to view your list.
2. Choose the one to modify or cancel.
   
   

To modify: tap ‘Edit standing order’, make changes, and confirm.
To cancel: tap ‘Cancel standing order’ and confirm with ‘Yes’.

Only available on the website:

1. In the ‘Payments’ menu, go to ‘My Beneficiaries’.
2. Click ‘Add’ to register a new one.
3. Click ‘All’ to view the full list.
4. Select a beneficiary to view, edit, or delete.
    

Good to know: don’t forget to click ‘Save changes’ after editing.

Only available on website:

1. In the ‘Payments’ menu, select ‘Direct debits'.
2. View the list of your mandates.
3. Click a line to view or manage it.
    

You can :

• view transaction details,
• block the mandate (requires LuxTrust Mobile authentication).

Blocking only suspends the debit; cancellation must be initiated by the creditor.

You can easily view your account statements, card statements, interest certificates and other documents in the Web Banking area, via the mobile app or the website. 

1. Open the menu and go to ‘ACCOUNTS’, select the account that you wish to view.
2. Tap ‘E-Documents’.
3. Choose the document that you wish to read, download or print.
    

You can also change the date or use filters to find documents from previous years. 

A debit notice confirms that money has been withdrawn.
To generate one, check the “Debit notice” box when entering the transfer amount.

You can easily find and download your debit notices in the Web Banking area, via the mobile app or the website.

1. Select ‘E-document’ in your dashboard. It contains a list of all of your electronic documents.
2. To find your debit notices easily, filter your account statements with the filter icon on the top-right-hand side.
   
3. Choose ‘Type’ and select Transaction notice from the drop-down menu. Only your debit notices will be displayed.
4. Select the debit notice you want to view. The menu on your device opens. You can download, send or print your debit notice.
    

You can choose to stop receiving printed documents by post at any time. 

1. Select ‘Paperless’ in the dashboard.
2. You will see which E-documents are already available.
3. Tap the ‘Go paperless’ button.
4. Select the account or accounts for which you no longer want to receive paper documents, then ‘Validate’. 
   
   
   

The Paperless tab will then be renamed ‘E-documents'. Tap this tab to view digital versions of your documents.

It’s possible to view account or card movements by following a few easy steps in the Web Banking area, via the mobile app or the website. 

In the ‘Accounts’ menu, select the account or card (e.g., Optiflex Account).

Only available in the mobile app:

Step 1: activate account aggregation

1. In the ‘Settings’ menu, select ‘Account Aggregation’.
2. Enable the option and accept the terms.
3. Tap ‘Discover’ for more info.
    

Step 2: add banks

1. Choose banks or search for one.
2. Log in to each bank via the redirected page.
3. Select accounts and tap ‘Confirm’.
    

Authentication is required every 90 days to maintain the account aggregation feature enabled.