Axxess Study

The free banking offer for students aged 18-30

Enjoy a complete package adapted to your needs Our free package for students

  • Debit card

    1 Axxess Visa debit card free of charge

  • Credit card

    1 Visa Classic and 1 Visa Premier credit card free of charge*

  • Financing your education

    State-guaranteed student loan and/or Unif loan*

Main advantages of the package:

  • 1 Visa Classic and 1 Visa Premier credit card free of charge*
  • Axxess Visa debit card free of charge
  • Preferential rate on personal loan*
  • State-guaranteed student loan and/or Unif loan*
  • Axxess savings account at a preferential rate

*subject to acceptance of your application

Axxess Study makes it easier to finance your studies

Axxess personal loan

Attractive conditions to make your dreams come true

  • Service includedbenefit of 0,30% reduction on the nominal interest rate
  • Service includedfrom EUR 5.000 to EUR 50.000
  • Service includedloan period of 1 to 5 years
  • Service includedfixed interest rate, meaning fixed monthly instalments during the loan period
  • Service includedrenewable until the day before your 30th birthday
  • Service includeddebit interest is deductible from your taxable income up to EUR 672 per member of your household (insurance premiums included)
* subject to acceptance of your application

Rent payment guarantee

Your passport to student accommodation

  • Service includedvalid in Luxembourg and abroad
  • Service includedrent payment guarantee with pledge
  • Service includedpreferential tariff

Student loan

Fund your choice of higher education course

  • Service includedfavourable conditions
  • Service includedfor academic studies
  • Service includedin addition to the financial support provided by the State

*subject to acceptance of your application

State-guaranteed student loan The state-guaranteed education loan

  • Basic grant
  • Mobility grant (if you are studying abroad and paying rent)
  • Family grant (if other children in the household are in higher education)
  • Socio-economic grant (based on household taxable income)
  • Reimbursement of registration fees (one half in the form of a grant, the other as a loan)
  • Student loans with a maximum interest rate of 2% guaranteed by the State

As an Axxess Study customer, you are entitled to two free Visa credit cards*

Choose between Visa Classic and Visa Premier

With your Visa card you can: 

  • pay in more than 70 million businesses
  • withdraw money at ATMs in more than 200 countries all over the world
  • benefit from a range of insurances
  • link your Visa card to your connected watch 
  • make your payments with Apple Pay / Google Pay

Via S-Net and S-Net Mobile you can: 

  • consult at any time the status of your operations
  • be notified by text message for each transaction made with your Visa card

* subject to approval of your application

Visa Classic

The most widely used credit card for making payments anywhere

  • Service includedForeign travel accident insurance of up to EUR 100.000
  • Service includedProtection of purchase insurance
  • Service not includedAssistance services
  • Service not includedOutstanding balance insurance in the event of a fatal accident
  • Service not includedLuggage insurance in case of theft, loss or delay
  • Service not includedCompensation for late flights and missed departure
  • Service not includedQuick check-in at Luxembourg airport

Visa Premier

The credit card with plenty of insurances

  • Service includedForeign travel accident insurance of up to EUR 250.000
  • Service includedProtection of purchase insurance
  • Service includedAssistance services
  • Service includedOutstanding balance insurance in the event of a fatal accident
  • Service includedLuggage insurance in case of theft, loss or delay
  • Service includedCompensation for late flights and missed departure
  • Service includedTrip cancelation/interruption insurance
  • Service not includedQuick check-in at Luxembourg airport
Show all services

Visa Classic

  • Electronic payments in shops and online
  • Cash withdrawals from ATMs worldwide
  • Cash withdrawals free of charge within the S-Bank network via direct debit
  • Managing limits and expenses easily via S-Net and S-Net Mobile
  • Purchase protection

Visa Premier

  • Electronic payments in shops and online
  • Cash withdrawals from ATMs worldwide
  • Cash withdrawals free of charge within the S-Bank network via direct debit
  • Managing limits and expenses easily via S-Net and S-Net Mobile
  • Purchase protection
  • Cash at any time
  • Two payment methods to choose from

Axxess Job also offers you numerous advantages on your investments The securities portfolio is your key to the financial markets

Invest by yourself Job (<30 years)

Securities portfolio for young professionals from 18 to 30

  • Service includedSouscriptions et rachats sans frais pour les fonds d’investissement lux I funds de Spuerkeess
  • Service includedOrdres de bourse par S-Net ou S-Net Mobile pour EUR 19,50 seulement par transaction
  • Service includedPortefeuille-titres à tarif avantageux
*Excluding securities issued by Spuerkeess and lux|funds; VAT 17% to be added on securities and precious metals. **Up to maximum per order of EUR 25.000 (or counter-value in currency) for equities, ETF, UCITS investment funds and bonds, executed in S-Net or S-Net Mobile.

Speedinvest

When investing becomes as simple as saving.

  • Service includedNo need to visit a branch
  • Service includedOnce opened, Speedinvest automatically adapts to markets
  • Service includedAutonomy 24h / 24, 7d / 7 thanks to integration in S-Net
  • Service includedAvailable from EUR 500

S-Invest

Your investment funds savings plan in lux|funds.

  • Service includedInvest regularly, but at your own pace
  • Service includedNo subscription and custody fees*
  • Service includedInvestments starting from EUR 40/month
  • Service includedLiquidity: your capital remains accessible over a very short term
* Recurring fees of lux|funds available on luxfunds.lu

Axxess Study meets S-Net Mobile Stay in touch with your bank, without having to go to a branch!

S-Net Mobile

Take your bank with you, and do your main banking 24/7, anywhere in the world:

  • User-friendly navigation
  • Quick and easy access via PIN or Touch ID
  • Fast transfers

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