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
Your banking package
Free

Axxess Study makes it easier to finance your studies

Axxess personal loan

Attractive conditions to make your dreams come true

  • benefit of 0,30% reduction on the nominal interest rate
  • from EUR 5.000 to EUR 50.000
  • loan period of 1 to 5 years
  • fixed interest rate, meaning fixed monthly instalments during the loan period
  • renewable until the day before your 30th birthday
  • debit 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

  • valid in Luxembourg and abroad
  • rent payment guarantee with pledge
  • preferential tariff

Student loan

Fund your choice of higher education course

  • favourable conditions
  • for academic studies
  • in 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

  • Foreign travel accident insurance of up to EUR 100.000
  • Protection of purchase insurance
  • Assistance services
  • Outstanding balance insurance in the event of a fatal accident
  • Luggage insurance in case of theft, loss or delay
  • Compensation for late flights and missed departure
  • Quick check-in at Luxembourg airport

Visa Premier

The credit card with plenty of insurances

  • Foreign travel accident insurance of up to EUR 250.000
  • Protection of purchase insurance
  • Assistance services
  • Outstanding balance insurance in the event of a fatal accident
  • Luggage insurance in case of theft, loss or delay
  • Compensation for late flights and missed departure
  • Trip cancelation/interruption insurance
  • Quick 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

  • Souscriptions et rachats sans frais pour les fonds d’investissement lux I funds de Spuerkeess
  • Ordres de bourse par S-Net ou S-Net Mobile pour EUR 19,50 seulement par transaction
  • Portefeuille-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.

  • No need to visit a branch
  • Once opened, Speedinvest automatically adapts to markets
  • Autonomy 24h / 24, 7d / 7 thanks to integration in S-Net
  • Available from EUR 500

S-Invest

Your investment funds savings plan in lux|funds.

  • Invest regularly, but at your own pace
  • No subscription and custody fees*
  • Investments starting from EUR 40/month
  • Liquidity: 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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