How do I manage my accounts?

An instant payment lets you transfer money quickly. Once confirmed, the money is credited to the beneficiary’s account within seconds and the transaction cannot be cancelled. You can make an instant payment between your own accounts or to another BGL BNP Paribas accountholder, as well as to an external account if certain conditions are met.

Instant payment prerequisites: 

• the beneficiary must be at a bank that offers the instant payment service.

Once the instruction is confirmed, you’ll be able to choose between an instant payment and standard credit transfer.

Instant payments are charged at the same price as SEPA electronic credit transfers. So:

• if you have a pack for individuals (Young People, Essentiel, Comfort, Exclusive), all your instant payments will be free;
  
  
• if you have a pack for professionals (Essentiel Association, Essentiel Professionnel, Essentiel Professions Libérales, Essentiel Entrepreneur), you will pay €0.75 for any transfer (instant payment or standard credit transfer) that is not free with your pack;

• if you have a current account outside of the previously mentioned packs, you can make one free SEPA electronic credit transfer (instant or otherwise) per month. Beyond that, you will be charged EUR 0.75 per transaction.

A standing order lets you transfer a given amount on a regular basis.

1. Go to ‘TRANSFERS’ and open the menu, then select ‘Make a transfer’.
2. Choose the account to be debited (done automatically if you only have one account).
   
   Choose the account to be credited.
   
   - ‘My Accounts’: for a transfer to another of your accounts;
   - ‘My Beneficiaries’: for a transfer to a registered beneficiary;
   - ‘Other account’: enter the beneficiary’s bank details.
    

Check the information, then tap ‘Next’ to confirm the beneficiary’s details. Choose the amount and currency of the transfer. Choose the frequency (monthly, quarterly, etc.) and the dates of the first and last payments.

You can add a reference to your transfer. Check the information and tap 'Validate'. Confirmation with LuxTrust Mobile may be requested. Once validated, you will see that 'Your transfer has been processed'.

Here’s how to arrange a one-off credit transfer easily in the app. 

1. Open the app and tap ‘TRANSFERS’.
2. Choose the account to be debited (among your own or by default if you only have one).
   
   Choose the account to be credited:
   - ‘My Accounts’: to transfermoney to another of your accounts.
   - ‘My Beneficiaries’: to transfer money to a beneficiary that you have already added.
   - ‘Other account’: Enter the beneficiary’s details if you transfer money to another bank account.
   
   
3. Check the beneficiary’s information, then tap 'Next'.
4. Choose the amount and currency of the transfer.
5. Check that all the information is correct, then tap Validate. 
    

If necessary, confirmation with LuxTrust Mobile will be requested. Once validated, you will see a message confirming that your transfer has been processed.

Your transfer has been made securely!

To view your one-off credit transfers and standing orders. 

1. Open the ‘TRANSFERS’ section of the menu.
2. You will see the list of your one-off credit transfers.
3. To display your standing orders, tap ‘Standing orders’ above the transfer history.

You can also view the status of each transfer: 

• ‘Created’: the transfer is pending, the funds have not yet been debited;
• ‘Processed’: the transfer has been made, the funds have been debited;
• ‘IP-processed’: the instant payment has been made and can no longer be cancelled;
• ‘Cancelled’: the transfer has been cancelled, no money has been debited.

You can view details of standing orders such as the execution date, account to be credited and amount.
 

To change or cancel a standing order, go to the ‘TRANSFERS’ section of the menu. 

1. Tap ‘Standing order’ above the start of the history to open the list of your standing orders.
2. Select the transfer to be changed or cancelled.

To change it, tap Edit the standing order and make the change (amount, dates, frequency, reference, etc.). Confirm your changes.

To cancel it, tap ‘Cancel standing order’ and confirm your choice with ‘Yes’.

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

1. Open the menu and go to ‘ACCOUNTS’.
2. Select the account that you wish to view.
3. Tap ‘E-Documents’.
4. 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 is a document stating that a sum of money has been debited or withdrawn from your account. To create a debit notice, tick the ‘Debit notice’ box when entering the amount of your transfer. 

You can easily find and download your debit notices in the Web Banking app. 

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 app.  

1. Access your accounts via the 'ACCOUNTS' tab.
2. Swipe through the menu bar to select a category, e.g. Current accounts.
3. Select the account or card that you wish to view, for example, Optiflex Account.
    

There are a few quick steps you can take to get an overview of accounts held with different banks and aggregate them on the Web Banking app. 

Step 1: activate account aggregation

1. Go to Settings and select 'ACCOUNTS' Consolidation’.
2. Activate the option and accept the general terms and conditions.
3. Click on ‘Discover’ if you need more information.
    

Step 2: add banks

1. Choose the banks to be aggregated or Search for a bank.
2. Log in to every bank through the page to which you are redirected.
3. Select the accounts to be aggregated and tap Validate.
    

Authentication is required every 90 days to maintain the aggregation.