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Human-centric AI and how to offer a personalised customer experience

Via natural language processing (NLP), speech recognition and machine learning, artificial intelligence (AI) can simulate human intelligence via machines and…

Today I have an appointment with my banker!

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided…

Withdraw your foreign currencies at the S-Bank ATMs

Since the introduction of the euro banknotes and coins on 1 January 2002, going on holiday abroad can be a much more spontaneous affair than it was. For most…

Leasing vs buying a car: no more misconceptions!

“Who in their right mind would want to lease a car?”, “It’s more expensive than buying and you don’t even own the car”, “There are always hidden costs”, “It’s…

Look out: subsidies for electric vehicles are here!

In order to facilitate the transition to sustainable, cleaner mobility, individuals benefit from a government bonus for the purchase of a self-propelled…

Need a new car? Get it the easy way with a Lease Plus leasing!

You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!

Loan or leasing: find your answer!

You want a new car but without taking a loan? We have different options - choose yours!

What are the main energy trends for 2023 and how can technology help us transition to a carbon free world?

We spoke to Thomas Gibon, Researcher in the “Life cycle sustainability assessment” department at the Luxembourg Institute of Science and Technology (LIST) who…

Speedinvest: those New Year’s resolutions start right now

New year, new resolutions! What if you didn't wait too long to take your personal finance resolutions in hand?. After Christmas and the New Year with…

Checklist for car purchase : buy new or second-hand?

Are you looking for a more spacious car to accommodate your growing family? Or perhaps you’re after a particular model, and want to get a good deal? Whatever…

Happiness and how to stay happy in a modern world

We live in a fast-paced digital world and, wherever we go, we are reachable 24/7 via our smartphones. Is it possible to be happy whilst constant stress ? We…

Ashanti’S, making beauty accessible for everyone!

Driven by her desire to "make beauty accessible for everyone", Susana Costa created a personalised treatment and wellness programme provided in…

The importance of talking money to our kids

We all need a financial literacy. Teaching children the basics about how money works, its value and why to save it can spare them so much hassle as adults.

S-Net Mobile awarded best mobile banking application in the country

A recent independent study, conducted by SIA Partners, named S-Net Mobile the best mobile banking application in Luxembourg. We took the opportunity to talk to…

FinTech 2023 and where does Luxembourg stand on a global level?

We spoke to Nasir Zubairi from LhOFT who provided insight and gave five useful tips for CEOs of banks when it comes to FinTech adoption?

Spuerkeess the ideal partner for the international community

In Luxembourg, nearly one in three of the active workforce is a foreigner and almost half of the working population are residents of our neighbouring…

Debit and credit cards: what exactly is the difference?

With Axxess you will automatically receive a debit card, and from the age of 15 you can apply for your first credit card. Do you already have a payment card –…

Our ageing population and how to face the challenges this presents.

The rapid ageing of the world's populations and the decline of the working age population are becoming a growing concern. We spoke to Kristell Leduc,…

From finance to financiers

Driven by his passion for baking and his entrepreneurial drive, Simon decided to leave his finance job and start a baking business by creating an inclusive…

The energy shortage and how to install solar panels on your roof?

What impact does the current energy crisis have on Luxembourg and where is the nation headed in terms of solar energy? We spoke with Sarah Juchems, Head of…

Term Deposits – a Good Alternative for Savings

Uncertainty, crises, inflation and the fears of a recession continue to dominate the news. How can you invest securely and why have good old-fashioned term…

My mobile phone: a curse or a lifesaver?

Luxembourg has one of the highest smartphone penetration rates in Europe; 94% of the population own a smartphone. According to STATEC, most children in…

Student loan: your checklist and other important information!

Wherever you decide to study, you are automatically entitled to a student grant as well as a student loan! If you are wondering what the next steps are and how…

S-Net Mobile: banking at your fingertips

Since its launch in 2015, S-Net Mobile has been a huge success. Today, almost 1 in 2 customers in the under-30 age group uses its smartphone exclusively to…

Trick or treat for Halloween?

For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to…

Our tips for a successful tax return!

It's that time of year again when you received the reminder letter from the Tax Administration for missing the deadline for your tax return again. Oops!…

Green and digital. How to build a smart city in Luxembourg ?

The purpose of a so-called "smart city" is to use technology in order to increase operational efficiency and, thus, improve the welfare of citizens.…

Biodiversity and how to protect it

The UN Biodiversity Conference (COP15) will be held in December 2022 in Montreal (Canada). With climate extremes manifesting themselves in increasingly intense…

National Housing Week 2022

Spuerkeess, your ideal partner in the realization of your real estate projects, will be present at the National Housing Week during Home Expo which will be…

The future is hats

Born in Spain, Sylvia arrived in the Greater Region in 2007. Having worked in a bank for 21 years, she decided to make a living from her passion, which is the…

How can we keep the environment clean?

Littering is the bad habit of leaving trash in public spaces or carelessly throwing it away. Mr Jean-Pierre Santer, co-founder of “Pickitup”, says that this…

Game on! Become a stock market pro!

Sophie is intrigued by Marc’s new hobby and would really like to understand why he is spending so much time on his smartphone scrolling through the news about…

Luxembourg’s National Housing Week

Summer is not over yet and we are already anticipating autumn, the season during which nature can be seen in its full splendour when leaves are turning all…

The last semester at uni begins: good plans to prepare for your future

The back-to-school season often coincides with a new stage in your life. You still remember your early school days and here comes the last semester at uni.…

How can we help improve our wastewater?

165 litres of water are consumed on average per day per person. After being used for laundry, flushing the toilet, cleaning, cooking, etc., , wastewater is…

A VEGAN twist on traditional dishes

Ten years ago, Linda and Benoît Depaye decided to adopt a 100% vegan lifestyle. This decision led them to open their own restaurant where they put a vegan…

How to reduce food waste

About one third of all food produced in the world goes unused or ends up in the bin. Not only does this release around 3,300 million tonnes of CO2 annually but…

How to enhance Green IT?

Can we make our IT consumption green again? Nathalie Thielemans, Managing Director at OXiane and Valérie Viatour, Expert Consultant & Trainer on Green IT…

The tricky path to becoming an entrepreneur

Of Indian origin, Supriya Sodhi arrived in Luxembourg in 2016. Although she holds two higher education degrees, she chose to follow her heart. Her great love…

Checklist for a stress-free holiday

You're going on holiday? Great, make sure to read our little checklist before you take that plane!

Rising interest rates on home loans - 2 tips to be well prepared

Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their…

Fast fashion and how to reduce its environmental impact

Our planet's resources are limited and the textile industry is a major contributor to environmental damage. Jeannette Müller, advisor to the Luxembourg…

Managing your purchases with Spuerkeess payment methods

Louise just graduated from secondary school. Her next steps are to prepare to leave for university, sort her things, sell some of her stuff, buy some new…

The uni adventure begins: don’t forget the state guaranteed student loan!

Exams are finally over! Now, it’s time to take advantage of your hard-earned holiday, but before you unplug, there is one small matter to tend to: your student…

The bridge side of life: Spuerkeess unveils its new campaign

After months of reflection and discussion, Spuerkeess began to release its teaser ads, giving a behind-the-scenes look at its new image campaign and gradually…

All you need to know about opening a bank account for your baby

Having your first baby is a big change for a couple and it’s best to be prepared. Besides buying baby gear, decorating the nursery, choosing a name, and…

How to enhance psychological safety at work

Employees who feel accepted and respected at work are more productive. Dr. Mareike Bönigk, Head of the Psychosocial Service of the Ministry for the Civil…

Turning a dream into reality: Making craft Ramen available to everyone

Of Chinese origin and British nationality, Mei Chan has been immersed in Japanese culture thanks to her many travels but also because of her passion for this…

European Central Bank’s Climate Risk Stress Test

Following the adoption of the Paris Agreement and the UN 2030 Agenda for Sustainable Development in 2015, governments are making strides to transition to…

How to use e-car sharing effectively

Electric vehicles sharing schemes enable sustainable-minded drivers to rent electric cars for short periods of time. Jürgen Berg, CEO of FLEX, knows how…

Affordable higher education for all

Louise is 19 years old and lives in Luxembourg with her mother and brother. She has just finished the last oral sessions on her final exams, and is waiting…

Happy Mother's Day, mum!

Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery.…

Ecobonus powered by etika: Another reward for your energy renovation!

After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house…

What should we do with our old electronic devices?

Did you know that your old computer or TV doesn’t belong in the trash, but do you know how to discard your old electronic equipment? Andy Maxant, Director of…

The yellow brick road: follow your dream

After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few…

The transition to renewable energy

Greenhouse gas emissions decreased in 2020 due to the disruptions of economic activity, travel, and commerce brought about by the COVID-19 pandemic. What can…

A road trip in an electric car

During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card…

The cigarette and how to fight against this number one polluter

Cigarette butts are a toxic plastic pollutant. In fact, cigarette butts are the most common type of litter collected on beaches. We spoke to Stéphane Hérard,…

Fidès Executive Partner, the IT recruitment firm for the financial sector in Luxembourg

After an extensive human resources experience in the field of finance, Chaffa Zaroui chose to shift her focus to the world of entrepreneurship and launch her…

Choosing the right investment tool

A website? An app? Yes, but which one do I choose if I’m just starting out in investment? As a general rule, if you’re just starting out, it’s a good idea to…

4 tips on how to avoid going broke when moving away from home

Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck…

Bye bye linear economy. Hello circular economy!

The manufacturing process of the linear economy counts for half of the emissions around the world. The extraction of resources also leads to other problems…

Investing in “green”

You’re starting to feel more and more comfortable with the idea of investing and now would like to understand what it means to invest in “green”. Well, we will…

Investing means keeping abreast of the news

Having invested in securities, you want to make sure you have made the right choices. To that end, it is for instance vital to keep informed of the latest…

Will AI be human soon?

Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer…

Understanding and buying bonds

Now that you have an understanding of investment funds and equities, you just need to know what bonds are, to complete your basic knowledge. You may have…

Tax return: is the myTax digital assistant the ideal solution to ensure you pay the right amount of tax?

In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…

Marc fills in his tax return on S-Net using myTax by VIREO !

Tick-tock, tick-tock... the tax return deadline is approaching and Marc has not yet completed his. He is not particularly worried this year, though, because…

Understanding and buying shares

You've done it! Your securities portfolio has been opened and you have set your investment amount. Welcome to the stock exchange! You may feel a little…

Understanding investment funds

Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow…

2022 trends in FinTech in Luxembourg

Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech…

Defining your investment strategy

You have set your investment budget, determined your investor profile and probably opened your securities account. What happens now? Well, you just need to…

Tax returns promise to be easier with the Tax Area in S-Net

Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s…

Determining your investor profile

Do you want to invest but do not know where to start? It would be true to say it is not the simple matter it might first appear, and that is why it is…

Milk and meat – how can Luxembourg farmers better protect the environment?

In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg.…

Focus on the country’s large-scale photovoltaic installations

Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop…

Breath – to improve your health, to improve your performance!

After a burnout, Marc Plata undertook a training course in sophrology which, in the end, led him to the world of entrepreneurship two years later. What were…

Opening and managing a securities portfolio

Are you able to put aside a little money at the end of each month? Have you ever asked yourself how you could put that extra money to work, to increase its…

Defining your investment capital

So you have decided to do something for your savings by investing some of your money? Congratulations! To get started in the Stock Market and build investment…

Internet of Things (IoT)

Is your home a smart home? Welcome to the Internet of Things (IoT). All around the world, billions of physical devices are now connected to the internet. That…

Lombard Loan: the flexible financing solution without limits

Holding a portfolio consisting of financial assets, and then having to sell it in part or in full in order to have access to cash on an ad hoc basis, can lead…

Enjoy your independence with the Axxess Study package

Are you between 18 and 30? Are you going to school, to university or hoping to do an apprenticeship? Take advantage of your student life without hassle or bank…

Spuerkeess payment cards, now better than ever!

Spuerkeess was a pioneer in instant payments, allowing money to be sent all across Europe in less than 10 seconds. In the interest of constantly innovating,…

Take out an online joint loan with S-Net!

When Shauna and her husband moved into their flat in Bonnevoie, they didn’t have children and swore by public transport. But as their family has grown, they…

How did Sophie know she was eligible for a subsidy for the purchase of her new car?

For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to…

One goal: get your dream car. Two solutions: leasing or loan

The difference between owning and leasing a car is solely based on the means to achieve one same goal: to get you your dream car!

madi&co – the digital marketing agency for SMEs

After ten years with an advertiser, Marie-Caroline Dumas decided to create her own digital marketing and communication agency and thus became an entrepreneur.…

LuxEnergie: Turnkey and environmentally friendly energy for everyone!

With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy…

The gender gap and how to close it

According to the World Economic Forum's Global Gender Gap Report 2021, at least one more generation of women will have to wait for gender equality. Dr.…

Cybercrime and how to prevent it

The world has become digital and cybercrime is on the rise. Failure of companies’ technological defences entail both financial loss and damage to the…

From farm to table

Alice Tiberio left her native Italy 11 years ago to discover new cultures. She lived in Canada, the USA and moved to Luxembourg to start her business. Whether…

Life on the streets – how can we help homeless people?

For 25 years, Stëmm vun der Strooss, a non-profit organisation, has provided support to people in need. The non-profit organisation collects food before…

With Payconiq, send money via the S-Net Mobile application, it’s easy and fast!

Pay your invoices by scanning a QR code with your mobile phone, or send money just by indicating the beneficiary's telephone number; who would have…

ESG in the changing landscape of higher education

Global warming is a challenge that concerns us all and the economic system plays an important role in the battle against climate change. Thus, the University…

Responsible Christmas gifts—the right choice

Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and…

Employee or Entrepreneur: Why not both ?

After living in Sweden and Holland, Francesca Pogliani, of Italian origin, has settled in Luxembourg. Employed full time in a Big Four company, she spends the…

“FinTech” explained

The word “FinTech” entered the dictionary in 2018 but what exactly is FinTech and how does it affect banking? We spoke to Dr. Zsofia Kräussl who is Research…

BHW: Save today and build tomorrow

Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her…

Meet our experts. Here comes our Scientific Advisory Board

ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise…

More self-awareness for better life choices

After 15 years of professional experience in the financial sector, Christelle Dewaele trained in kinesiology and switched to the world of entrepreneurship.…

How sustainable are electric cars ?

How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.

Tree.to.Skin – Self-care meets Earth-care

Is it possible to create nourishing self-care products for body and soul while protecting the planet? This question has been at the heart of how Tree.to.Skin…

Open Banking: Revolut and N26 enter S-Net

In the context of the implementation of the PSD 2 regulation (“Payment Services Directive 2”), Spuerkeess, as a leader in e-banking, was the first bank in…

Hot city. Are we facing unbearable summers?

On a global level, cities are heating up. This is due to the increasing mass of concrete, steel, asphalt and car exhaust, which adds to the effects of global…

A fun way to learn about the stock market

This year Spuerkeess is participating in the 39th Stock Market Learning competition, a realistic stock market simulation contest and the only one of its kind…

September is the time for a fresh start!

The holidays may already seem a long time ago, but the university year has only just started. Wasn’t it great to be able to switch off your alarm, spend time…

Inheriting environmental issues: how to help children become more climate-conscious

Climate change is the biggest challenge we face. The younger generation will inherit environmental problems that we already know how to solve if we are…

The home loan in three main steps

A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking…

Renovating or building a new house? This is what you should know

Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five…

Contactless payment, mobile banking and the first debit or credit card

Going to highschool means that your child will have more freedom but also more responsibilities. To make this change easier for you and safer for your child,…

Why recycling matters.

From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging…

The family goes cycling

When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips…

Plastic in the sea

Every day, eight million pieces of plastic end up in the ocean. This not only kills fish, sea birds and marine mammals, but also affects humans on land. We…

Getting started as a student!

At home in his flat in Paris, Sam feels lucky compared with other students at the Sorbonne University, where he is in his first year studying law. Sam can walk…

Vakanz doheem round II

Last year, Mum and Dad didn't want to go away on holiday because of the pandemic, which was still ongoing. This year they've booked two weeks at an…

Why integrate the smart home into your daily life?

The pandemic has restructured and changed our habits and the way we live and work. With COVID-19, our homes have become more important than ever.

What is greenwashing and why is it a problem?

It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product.…

Which solutions for managing your wealth?

Wealth management needs to meet numerous objectives and it can be complicated to strike the right balance between these goals and the enhancement of your…

Soler: Energy from Luxembourg!

Owned equally by SEO and Enovos, Soler has been active in renewable energy since 2001. Mr. Paul Zeimet, Administrateur-Délégué, was kind enough to tell us more…

United Nations climate and sustainable development goals: How to become a sustainable bank

Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable…

Getting the most out of your home renovation

Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc…

NewFID - Digital solutions that simplify the customer/accountant relationship

NewFID, the first all-digital accounting practice in Luxembourg meets the new needs of craftsmen and SMEs.

Finding out about Spuerkeess’ Aid & Financing Advice

Our role is to support you in your energy efficiency projects and make you aware of the available aid and grants. As Deputy Head of Business unit Facility…

The performance of a solar park in the south of the country

Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus…

Meet Spuerkeess’ sustainability team

From checking facts, documenting and optimising our environmental efforts to getting our sustainable message out to the world - our common goal is to advance…

The Luxembourg Real Estate Market: current market prices

The high real estate prices are a direct consequence of the imbalance between supply and demand for housing in our country. But how did this imbalance occur?…

Craft et Compagnie, the taste of artisan champagnes

Craft et Compagnie specialises in the sale of exceptional artisan champagnes in Luxembourg. Its mission is to promote talented winemakers at the forefront of a…

How to grow your savings rather than spend them

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury…

Meet Spuerkeess' Science and Sustainability Advisor

For the past two years Spuerkeess has worked with a science and sustainability advisor who has helped us conduct our own research and develop tools that help…

The day Marc started investing

Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who…

Tageblatt and Le Quotidien, two newspapers, 100% free for the student in you!

Did you know that all the info is now available free of charge for all students? No, it’s not a late April Fool’s Day joke! The two newspapers Tageblatt and Le…

S-Net hits 250.000 users!

For Spuerkeess, this calls for celebration as well as a retrospective on what has made S-Net such a success story. For customers, this is the time to take…

Archi Box, the Creative Corner

A different way of networking! Archi Box is a more fun alternative to traditional trade shows, especially during the current pandemic, in which digital events…

A joyful arrival is on the horizon!

Mum can already feel the first kicks in her tummy and Dad is eager to know the baby's sex, while Grandma cannot wait to spoil the baby and Grandpa is…

Saving for your children: what makes the most sense?

Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about…

What is the best way to save for your children?

When you become a parent, you worry about the well-being of your children. This is also true for their finances! By putting away a sum you are giving them an…

Sophie finally got to eat out after the restaurants reopened!

Téisty, a philosophy for life based on respect!

Téisty is about more than just organic products. First and foremost, it is about putting into practice, on a daily basis, a philosophy for life that is centred…

Bank payments kick into high gear

Banks are introducing a new standard for interbank payments: Instant Payments.

Let’s get cooking for Bretzelsonndeg!

In the office the other day, Marc’s colleagues were talking about Bretzelsonndeg, which is just around the corner. Marc had completely forgotten about it, so…

4 good reasons to boost your environmental commitment by investing “green”

Reducing the use of plastic, taking public transport, buying second hand, eating local...the list of small actions that can improve our consumption habits has…

It is never too early to make plans for your retirement!

As Sophie sits in her car waiting for the stoplight to turn green, she suddenly begins to daydream, imagining all the things she will be able to do once she…

Why you should switch from saving to investing for your children

"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that…

Looking for his very first car!

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time, but…

Opening a bank account, without even having to go anywhere!

Sophie is so happy! Her new colleague Audrey, with whom she is going to work on various projects, is really nice. They only met a few days ago, and yet it is…

Interview with Xavier Hannaerts

It is in a particular environment that Xavier Hannaerts, Head of Investments at Spuerkeess Asset Management, speaks about developments in the context in which…

Financial education from a very young age: teach your child to save

Educating children about goal-based savings means teaching them about the value of money and the benefits of savings. Whether it’s for a specific toy, some…

Quantitative easing: the oft-ignored long-term effects

Aykut Efe, Economist at Spuerkeess Asset Management, discusses the potential impacts of quantitative easing on the real economy in the long term.

Banks support the national economy in the wake of COVID-19

Alongside five other Luxembourg banks, Spuerkeess is providing financial support to its professional clients, particularly to those who are facing a lack of…

Newcomer to Luxembourg? Learn more about how to manage your life in the Grand-Duchy

New job opportunities can equal new challenges, moving abroad being only one of them. Sophie and Marc met Shauna while visiting the USA and they have stayed in…

Dividends immune to Covid-19

Since the 2008 financial crisis and the implementation of non-conventional monetary policies around the world, bond yields have fallen significantly. The US…

Lockdown exit at Spuerkeess

Spuerkeess has continued to offer a complete banking service over the whole lockdown period. While temporary restrictions on counter transactions could not be…

School at home – Tutoring at home

Let’s face it; once we have left school, most things we learned about maths or languages are lost if we don’t use these matters in our every day life. This can…

A slow and gradual recovery

Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.

Spuerkeess Direct branch

Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 7.00 am to 7.00 pm Monday to Friday to carry out…

How to make life easier during the COVID-19 period

As a result of the spread of the COVID-19 virus, Marc is working from home and Sophie has taken leave for family reasons in order to take care of their…

Speedinvest withstands headwinds

In an increasingly complex environment, the digital automated investment product Speedinvest has proven to be the ideal investment.

lux|funds: an approach that is proving its worth

Since February, as COVID-19 has rippled across the globe, there has been a widespread sell-off in the financial markets, combined with a literal explosion of…

Serious measures

Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.

Spuerkeess in 2020

Lisa Wells, Head of Marketing, talks about the “Spuerkeess” brand in 2020: As part of the internal renewing process in recent years, we have worked on…

Mammoth task: how to update documents of a bank

Carole Schwartz and Pierre Reuter from the Spuerkeess Marketing give us a short insight into the internal changes related to the new Corporate Identity (CI).

In the spirit of continuity

Françoise Thoma, Chief Executive Officer of Spuerkeess, talks to us about the Bank’s new communications strategy.

New Corporate Identity (CI) and new brand image campaign for Spuerkeess

Interview with Claude Faber, head of communications in the marketing department, about the procedure for the elaboration of the new Spuerkeess Corporate…

New Corporate Identity (CI) from the perspective of the graphic designer

Raoul Loudvig, head of the “Graphic Design” division inside the Spuerkeess Marketing department, gives us an insight into the graphical design world of…

Spuerkeess is supporting young entrepreneurs

Digitalisation is now omnipresent and inescapable. The labour market has undergone significant changes, a process magnified by robotisation and artificial…

Financial markets dialogue for the first quarter

Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), discusses the economic and financial environment at the start of 2020 and…

Entrepreneurship: addressing future needs through innovation and technology

NEOFACTO has been assisting companies with their digitalisation since 2000 in Luxembourg, navigating its way between the creativity of start-ups and the…

Moving to Luxembourg? A story about living and working in the Grand Duchy as an expat

Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips…

Best way to save in the New Year

The New Year has long begun but you seem to have forgotten all about your good resolutions? Don't worry! In order to refresh your memory, here are five…

The Luxembourg Real Estate Market: rental investment

Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…

Digital payments give us greater flexibility. But are there risks?

Let’s be clear from the start: there never has been and never will be zero risk. Digital payments are becoming more practical and secure compared with cash…

Code Club Luxembourg and Spuerkeess united to teach coding to children!

"Helping the future generation to better understand the digital world", such is the motto of Code Club Luxembourg. With this in mind, we met with…

Spuerkeess Asset Management (Spuerkeess Asset Management is the trading name of BCEE Asset Management) signs the "Investor statement on deforestation and forest fires in the Amazon"

On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset…

Apple Pay: mobile & contactless payment now available

We all have had situations like these: you leave the house in the morning, your thoughts are all over the place. The baby didn’t sleep all night, the dog kept…

Marc wants to invest his savings, what about you?

Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that…

Spuerkeess Code Club: let’s get coding!

Like most kids these days, Sophie’s niece Emma has grown up with mobile phones and ipads. Fully at ease with the new technologies, she’s very interested in all…

Why outsourcing sales is the next “big thing”

Outsourcing sales is becoming more and more popular, especially for startups and small companies that do not have the means to hire their own sales people. SOS…

Keep innovating to move forward!

This is the motto at Supermiro (the personal assistant that handles your free time) and now Helloboss (which takes care of your professional schedule and your…

Responsible Investments: certification for BCEE Asset Management (now Spuerkeess Asset Management)

Carlo Stronck, Director, and Loïc Chaulacel, Portfolio Manager specialising in responsible investment at BCEE Asset Management (now Spuerkeess Asset…

Spuerkeess – your partner for a good start at university

Summer time is over and school is starting again, but this year, you’re up for university, which means new challenges, new responsibilities and new…

wedo.lu – a digital platform for craftsmanship in Luxembourg

Are you considering installing new parquet flooring? Or perhaps you are looking for a caterer for your wedding? wedo.lu can help you find tradespeople and…

A holiday in the sun with Luxair!

“Aruba, Jamaica, oh I want to take ya, Bermuda, Bahama, come on pretty mama…” Ok, so Sophie and Marc aren’t off to the Jamaica the Beach Boys were singing…

New S-Net features: complete management of your credit cards!

If until now you could already change the limit of your credit cards via the S-Net app, it now allows you to manage even more payment settings!

Is the Fed aiming for a new soft landing?

After three years spent tightening its monetary policy (from December 2015 to December 2018), the United States Federal Reserve put the process on hold at the…

Happy birthday S-Net!

This month, the overhauled S-Net mobile app celebrates its fourth birthday! If today, we can no longer imagine a world without mobile phones or applications,…

Understanding residual debt insurance!

You've probably heard of residual debt insurance. But what does it mean and do you need it?

KidsBox is a go!

KidsBox is a new way to consume products using a circular economy approach. Designed for parents and children aged 0 to 6, the service aims to reduce our…

How much can you borrow for a real estate project?

Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you…

Master your Business Intelligence system & erase IT debt to shape the future

Our software openAudit is a solution for managing decision-making data flows, in order to massively simplify systems and tackle the most stringent regulatory…

Ruth Gallery, a trendy art gallery

Ruth Gallery is a contemporary art gallery that aims to showcase different cultures from all over the world. Having presented the pop art universe a few months…

Pay with a smartwatch!

Ever since Sophie got pregnant, Marc has started cooking larger meals for his darling, and for himself as well. As a result, it's hard to tell which one…

It's time for the tax return!

At the beginning of February, Sophie’s parents received a letter from the Luxembourg Direct Tax Authority (Administration des Contributions Directes, ACD),…

Civil union (PACS) and inheritance: how does it work?

Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!

The importance of giving children pocket money

It’s difficult to know how much pocket money to give to children. But one thing is for sure: managing a budget will help them learn the value of money and…

Nyuko: fostering entrepreneurial spirit

Nyuko, a challenger of ideas, is repositioning and has signed a partnership with Spuerkeess. This will enable nyuko to supervise project leaders even better…

Annual statement: benefit from tax adjustment!

Are you entitled to a tax refund? Discover if your situation calls for an annual statement!

Employability: a skill to acquire!

We tend to forget that recruiting works in both directions. Both the employee and the employer choose to work together, and it's important that both…

Real estate loan: what rate should you choose?

You've found your dream house, and all you have to do now is take out a housing loan with your bank. You're wondering whether to go for a fixed or…

BREXIT – What’s next?

On Tuesday15 January, the UK Parliament is to express its final position on the adoption or rejection of the new withdrawal agreement negotiated between Prime…

Expertise. Stability. Reliability.

In light of the recent economic environment and the arrival of MiFID II, which further regulates investment advice and portfolio management, clients have…

Investment - a timeless gift for yourself

This year, treat yourself to a gift that will keep on giving!

Alternative Saving: the advantages you should know about

Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl,…

Baby on board! Time for a practical and spacious car.

Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but…

Understanding the tax benefits of a rental investment

Whether it is to live in or rent out, buying a property also offers a number of tax benefits as set by law. In order to help you better understand these…

Buy to let: a good idea?

You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It…

Intestate succession: who gets what?

Who inherits what? Understand how intestate succession works!

Spuerkeess joins the InnovFin programme

Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros.…

Financial tips for twenty-year-olds: here's what you need to know

First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a…

Pizza, tennis and film nights: reasons to keep an expense journal

It's the end of the month: Sophie and her friends are meeting for a cocktail at their favourite bar. Expenses come up in conversation and everyone wonders…

Mastercard Miles & More Luxair: your ally during the holidays and beyond!

Here's a couple of good reasons why you could use the Mastercard Miles & More Luxair!

How to manage your finances as a couple

Now that Sophie and Marc are civil partners, they decided to open a joint current account in order to tackle everyday expenses. Note, everyday expenses relate…

The civil union ("PACS"): an alternative to marriage

One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love...…

An “open space” concept for Spuerkeess branches!

In a society marked by digitalisation, consumers’ behaviour and their expectations regarding retail outlets have changed considerably. This trend is affecting…

"Spuerbéchs": a childhood memory!

You can't think about School Savings Day ("Fêtes de l'Epargne Scolaire") without also remembering the "Spuerbéchs"! Most of us…

Rewarding environmentally friendly projects!

In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when…

Smart investing: our tips

Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!

Luxembourg’s Real Estate Market: Spuerkeess’s added value (part III)

Spuerkeess is aware that the ongoing price increases put pressure on customers who want to purchase real estate, whether for their own needs or as a rental…

Schoulspuerfester, a tradition born at Spuerkeess

It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result,…

MIA: Track your budget. Live smarter.

Next year, Sophie and Marc are planning to go on holiday to Japan. This will be quite an expensive trip, and the young couple will have to plan their expenses…

Improve customer experience through new technologies

As the leading bank in the Luxembourg financial market, Spuerkeess has launched MIA, a personal financial management (PFM) tool, free of charge, destined to…

The State Guarantee: a helping hand for young people

If you have just finished your studies or started your professional life, you are probably not thinking about saving money. And even less about saving to buy a…

The savings account, offer a different present

Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a…

Spuerkeess has launched its blog

In need of tips or advice on financial matters? Well then, you might like our new blog! Luc Sinner, Deputy Head of Business Unit Marketing at Spuerkeess told…

MiFID II: added value for the customer

The European Markets in Financial Instruments Directive (MiFID II) entered into force on 3 January 2018. Claude Hirtzig, Head of Department and Senior Vice…

The importance of innovative design in the banking sector

Spuerkeess recently redesigned the desktop and mobile versions of its S-Net. The modern and innovative design created by the communications agency Apart won a…

Buy first and sell second

Charles Pletsch, deputy head of Spuerkeess’s Coordination du Réseau des Agences, talks about the bridge loan, a short-term loan that can ease the transition…

SpeedInvest: a simple and professional way to invest!

Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) – Luxembourg's leading retail bank – recently launched SpeedInvest, an automated, digital…

When investing becomes simple with Speedinvest

This is the year that Marc has decided to boost his savings! Along with Sophie, he has already put together a BHW housing savings scheme for their future house…