Managing your finances

Do you wish to stay up to date on finance management or need fresh ideas on how to grow your wealth? Our articles provide you with all the information you need!

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.

My budget, my well-being

Do you find yourself brooding about your financial situation and not achieving your goals for saving and investing for your future? Making a financial plan can…

It's time for the tax return!

You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You…

#snettips: focus on the hidden functions in S-Net Mobile

The Spuerkeess S-Net Mobile application is constantly evolving to give you even greater satisfaction. Don’t know where to find your bank details? Or how to…

Our tips for a successful tax return!

In February you received the famous letter from the Tax Administration asking you to submit your tax return for the previous year. From now on, the deadline…

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.…

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…

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…

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…

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…

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…

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…

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…

Student loan: your checklist and other important information!

Wherever you choose to study, you're automatically entitled to financial aid! You're wondering how to go about it, or how interest rates work if you…

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…

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…

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…

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…

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…

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

Baccalaureate diploma in hand? Your well-deserved holidays are almost over? Perhaps you've already started at university or you're making your final…

Intestate succession: who gets what?

Who inherits what? Understand how intestate succession works!

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…

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…

Getting started as a student!

Comfortably installed in his Paris studio, Sam feels privileged compared to his colleagues at the Sorbonne, where he has been accepted for his first year of…

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…

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…

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…

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…

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…

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…

Investment - a timeless gift for yourself

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

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…

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…

Understanding residual debt insurance!

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

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 –…

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…

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…

Annual statement: benefit from tax adjustment!

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

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…

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…

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!

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…

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…

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…

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…

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!

"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…

Checklist for a stress-free holiday

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

Smart investing: our tips

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

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…

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…

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…

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