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Paiements

Payments

Would you like to know more about existing payment methods, banking packages or online banking? Find all articles on the topic of payments on this page.

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13th December 2024

How to help your relatives manage their bank accounts with LuxTrust Mobile?

With the replacement of the physical Token by the LuxTrust Mobile application, borrowing the Token from your parents or any other person to make their payments or bank transactions is no longer possible. It is simply not legal. Using someone else's Token, even with their consent, is comparable to borrowing an identity card, which is strictly forbidden. Payments can still be made, but in a more secure and legal way. We give you some advice on how to do this in this article.

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14th November 2024

The trends in fraud: How to identify them to protect your finances

In an increasingly digital world, financial fraud is becoming more and more sophisticated. We are committed to protecting our customers by informing them of current fraud trends and providing them with the tools they need to guard against these threats. This article aims to raise awareness of the various types of fraud and to offer practical advice on how to avoid becoming a victim.

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22nd October 2024

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 experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.

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1st July 2024

Will Sophie manage to win her father over to Luxtrust Mobile?

Mayday! Mayday! The moment Sophie has been dreading has arrived: from 31 December 2024, it will no longer be possible to access S-Net without using Luxtrust Mobile! That gives her six months to convince her dad to accept the technology and replace his physical Token with the Luxtrust Mobile app. And if you’d had dealings with her dad, you’d know that’s no easy task!

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8th May 2024

Which payment card should you choose for your business?

When you are self-employed, an SME, an association or a large company, you may need to pay for certain products and services by means other than by bank transfer. Some stores will agree to give you the invoice at the same time as your goods, but others don't have that option, which can make an ordinary purchase more complicated than expected for your financial management. A business bank card is a good way to resolve this kind of situation. Discover what Spuerkeess can offer for your business in this article. Enjoy your reading!

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25th March 2024

The long-awaited Google Pay is here!

Sophie and Marc are always squabbling about the same thing. While Marc is a big fan of Apple products, Sophie goes out of her way to use devices made by competitor brands – just to annoy him. And with the message that she has just received from her bank, the war is declared!

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5th February 2024

This is why you should not use your debit card to pay for your holidays!

That's it, your annual leave is booked, now it's time to start organising your holidays! Has anything unexpected ever happened to you before you went on holiday? Since then, do you still hesitate to take out cancellation insurance? Find out in this article about the insurance and assistance services available to you, depending on the payment card you use to pay for your trip.

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7th December 2023

Beware of “money muling”! What are the tactics and how can you stay vigilant?

The recent arrest of 10 offenders on suspicion of being 'money mules' has once again drawn public attention to this money laundering practice. It seems that young people aged between 16 and 30 are increasingly likely to be "hired" as money mules. According to Europol, 90% of the money muling transactions discovered by the European Money Mule Actions are linked to cybercrime (phishing, etc.). Happy Reading!

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27th November 2023

Why and how should you raise your staff’s awareness of ‘CEO Fraud’?

Very large sums of money have already been stolen from companies through CEO Fraud, and it's never too late to protect yourself against these threats. To this end, we chose to interview our experts who are in direct contact with our business customers, as well as those in charge of data security. Jean-Luc Bermes and Philippe Hennes, Corporate Banking, and Lars Weber, Information Security Officer at Spuerkeess, share their recommendations on how to better protect yourself against these threats. Happy reading!

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23rd November 2023

Caring for your patients and your finances when opening a medical practice

Are you a doctor, physiotherapist or self-employed professional in the healthcare sector? Are you about to open a medical practice but don't have a clue about the best way to manage your finances? If there are several of you in the same practice, do you only need one account? Or is it better to have more than one to make it easier to keep an eye on payments? If these are just some of the questions you're asking yourself right now, the sound advice in this article from our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, will help clear things up.

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23rd November 2023

Banking made easy with LuxTrust Mobile

A rainy Sunday - time to tidy up your desk! It's an activity that often leads to long-lost items being found, such as the document Marc was looking for everywhere, his stapler and then his LuxTrust token. But hasn't he seen on social networks that we’ll soon be saying “bye bye” to the token? Find out how LuxTrust Mobile makes banking easier.

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23rd October 2023

S-Net, the online banking service with more and more users!

S-Net has 300.000 users, and for Spuerkeess it's a good reason to celebrate, but also to include its customers in the thinking and development of its future. Discover the S-Net success story!

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2nd October 2023

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. Next year will be a big unknown! Entering the world of work, doing additional training or taking a gap year? Any project requires a financial cushion!

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18th September 2023

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

When your child starts secondary school, he or she will enjoy greater freedom, but with it will come greater responsibility. To make this period of change as stress-free as possible for you and as safe as possible for your child, we've put together a checklist to help you get through the back-to-school period.

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25th August 2023

Why did Sophie choose the Miles & More Luxair Visa card?

Miles, miles and miles! With her Miles & More Luxair Visa card, Sophie accumulates "miles" and "more" by shopping, refilling her gas tank, etc. Now, whenever she makes the smallest purchase, she can’t help listing the holiday destinations she must add to her bucket list. But before she starts accumulating miles and converting them into trips, Sophie wants to understand the benefits of her new credit card.

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16th August 2023

Detect and thwart three common financial scams

No, scams and fraud aren't something that only happens to other people. Sometimes, all it takes is a long, stressful day to make you forget to check if an e-mail, text or call you received was legitimate... And then it's too late! We don't want you to fall for it, so here's an article on three types of financial scam with advice on how to avoid the trap. Happy reading!

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29th June 2023

#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 increase the limit on your card when the deadline for paying your next holiday is approaching? Then this article is for you! Discover the functions hidden in your pocket.

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30th May 2023

When a dream finally becomes reality

Since 2018, Sophie and Marc have dreamed of a trip to Japan, and this is when they started their "Japan trip" project in their MIA personal assistant. But as events unfolded, they became parents to little Lilly, there was the pandemic, the renovation of the house, and fulfilling this dream had to wait. Despite their other projects over the last five years, they have managed to save up for their trip to Japan. Find out about how they have planned it and how credit card insurance can help.

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15th February 2023

Gen Z and how they bank?

Generation Z was born after 1996, and is therefore the first generation that has never known a world without the Internet. They are stereotyped as “social warriors”, addicted to technology. According to various studies, Generation Z is more pragmatic, cautious, skeptical, responsible, globally aware and money-conscious than their predecessors, the Millennials. We spoke to Mary-Anna Eon at EY, who told us more about this new generation that is reshaping the world.

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19th January 2023

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 to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

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18th January 2023

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 European destinations, you no longer have to visit the bank to get foreign currency before leaving! But what should you do if you have planned to go on a journey to discover the Great American West, visit Big Ben or get some mountain air in Switzerland?

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30th November 2022

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 – debit or credit? Do you know the difference?

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18th July 2022

Checklist for a stress-free holiday

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

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14th July 2022

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 clothes, and pull together furniture and decor for her small studio while taking advantage of sales in Luxembourg and online.

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10th May 2022

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 for car rental. Sophie, Marc and their daughter Lily explored Denmark and Sweden for almost two weeks.

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14th February 2022

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 charges. After all, now is the time!

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8th February 2022

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, the bank continuously works to implement solutions aimed at simplifying the lives of its customers even further. The Business Innovation department presents us at the start of the year the instant issuance of payment cards and what that means for the bank's customers.

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1st December 2021

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 thought that would be possible only a few years ago? And yet, that's just what has happened. Today, all you need to have on you to make a payment is your smartphone.

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5th October 2021

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 Luxembourg to offer its customers the opportunity to manage their accounts held with other banks in the marketplace (BGL, BIL, POST, Banque Raiffeisen, ING, Banque de Luxembourg, BCP) within its S-Net platform.

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15th March 2021

Bank payments kick into high gear

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

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8th March 2021

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 it was lucky that he was there when they were discussing it. It’s March already. The first few months of the year have flown by! He had almost forgotten about this special day that Sophie loves so much. Would she ever have forgiven him if there were no pretzels for breakfast on this traditional day? Definitely not! He knows Sophie well enough to know that pretzels are no laughing matter! Marc is planning to surprise her, by trying to make home-made pretzels, but things do not quite go as planned...

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8th January 2021

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 as though they have known each other for 10 years.

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12th May 2020

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 avoided, they have had no impact on the vast majority of customers. Customers have naturally turned to the bank’s highly effective digital channels, or to the new Spuerkeess Direct remote banking service. As we take our first steps towards the end of lockdown, we speak to Head of Branch Network Coordination, Gaston Molling.

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28th November 2019

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 payments. Lars Weber, Information Security Officer at Spuerkeess, talks to us about digital payment and personal data security.

homme assis dans un fauteuil qui paye avec son ordinateur
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8th November 2019

Apple Pay: mobile & contactless payment 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 waking you up, or the neighbours kept partying until late in the night. But when the alarm goes off at 6 a.m., life goes on: and it happens! You forget your wallet. What now?

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8th August 2019

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 about, but they’re still going on holiday! There’s nothing like a little city trip with Luxair to get the most from summer, to soak up the sunshine and to savour some delicious local dishes while recharging your batteries.

gérer ses cartes de paiement sur son mobile
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10th July 2019

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!

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31st May 2019

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, let’s go back a few years and remember the birth and evolution of an application that, day after day, supports Spuerkeess customers in their adventures.

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6th March 2019

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 of them is going to deliver the baby! To avoid any confusion in the maternity ward, Marc is getting into shape with the help of an activity tracker unlike any other.

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3rd September 2018

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 where their money went! Outings, pizza nights, Netflix membership, etc. NOT ONLY can we tell you where your money went, we can help you better manage it in the future.

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9th August 2018

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 to water and electricity bills as well as to the shopping trips to fill the fridge. Even though, each couple has to find their own definition!

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25th May 2018

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 properly and start putting money aside quickly. Thankfully, MIA is there to help them reach their goal more easily!

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