Support and advice at every stage of your project

As a self-employed person, you run your business in your own name, autonomously, without being subordinate to an employer. The term "self-employed" is very generic and covers a wide range of professions, including shopkeepers, craftsmen, farmers, entrepreneurs, consultants, service providers, etc.

Setting up and support Personal and professional support

Ready to get started? Our advisors are waiting for you!

Our team of dedicated advisors will help you every step of the way.

Specialised professionals, they have the knowledge you need, the products you need and the advice to help you move forward. Challenge them!


Your project isn't that far advanced yet? Then the services offered by our partner nyuko might be of interest to you!

nyuko is a challenger of ideas and projects and supports the young and future self-employed by offering them practical, innovative and flexible solutions, regardless of the stage of their project. Don't hesitate to sign up to benefit from their assistance.


Managing your day-to-day finances Well-equipped to meet the challenges of business

Business account, cards and payments from just EUR 12,50 per month

With the Zebra Business and Zebra Business Plus business current accounts, you benefit from a wide selection of products and services tailored to the needs of professional customers at an attractive monthly flatrate.

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* subject to the acceptance of the application ** no discount on minimal handling fee

Zebra is also available for your personal account

Discover the Zebra Premium current account, which includes all the services you need to manage your personal finances on a daily basis and at the best price!

Zebra Premium

A complete banking package, ideal for handling your bank relationship at the best price

  • Electronic SEPA credit transfers
  • 2 Visa Debit cards*
  • 4 cash withdrawals in EUR/month at third part ATMs in the EU without application of Spuerkeess fees
  • 2 credit cards Visa Classic or 1 Visa Classic and 1 Visa Premier*. Additional card: -50%
  • 1 credit card Miles & More Luxair Visa at a preferential rate
  • No account maintenance fees for current accounts in a non-EUR currency
  • Preferential terms on loans and rent payment guarantees with pledge*
* subject to the acceptance of the application
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Zebra Premium


  • Closing balances
  • Electronic account statements
  • Electronic SEPA credit transfers
  • Account keeping offered on current accounts in currencies other than the euro
  • management of standing orders via S-Net and S-Net Mobile


  • 2 Visa debit cards
  • 4 cash withdrawals in EUR/month at third party ATMs in the EU without application of Spuerkeess fees
  • New PIN request
  • Card replacement


  • 2 Visa Classic credit cards, or 1 Visa Classic and 1 Visa Premier. Additional card: -50%
  • 1 credit card Miles & More Luxair Visa at a preferential rate
  • New PIN request
  • Card replacement, except Miles & More Luxair Visa credit card
  • Cash withdrawals by direct debit at Spuerkeess ATMs
  • Accident insurance and other insurances related to credit cards


  • Preferential rate on arranged overdraft (≤ EUR 10.000)
  • No handling fee on arranged overdraft
  • Preferential rate on personal reserve
  • No handling and maintenance fees on personal reserve
  • Preferential rate on personal loans
  • No handling fee on personal loans
  • -25% on handling fee of housing loans
  • Preferential tariff on rent payment guarantee


  • -20% on rental tariff
* subject to the acceptance of the application

Also discover our Business credit cards They offer you a host of benefits and insurances, for instance:

  • Travel accident insurance
  • Trip cancellation/interruption insurance
  • Death and disability insurance

Invest in your business, manage your private assets, adjust your tax charge or insure your business... Our Business Advisors are at your service!

Financing and growth

Spuerkeess has the right solutions to help you develop your activity:

  • Cash advance

  • Convertible credit line

  • Bridge loan

  • Housing loan, investment loan and/or personal loan

  • Financial leasing

  • Bank guarantee



Take advantage of the expertise and stability of the Grand Duchy's best-rated financial institution to grow your capital!

  • Manage your portfolio independently while benefiting from preferential pricing. > Selfinvest 

  • Benefit from the expertise of an advisor and preferential pricing before making your investment decisions. > Activinvest 

  • Delegate the management of your assets to a team of specialists who make all the investment decisions in accordance with your investor profile. > Activmandate


Save up while benefiting from tax deductions as set by law

  • With our pension plan, housing savings scheme and life insurance products, you can build up capital and benefit from the tax advantages provided by law.

  • Specific and attractive tax benefits for liberal professions? Take a look at the supplementary pension scheme for liberal professions! 

Our experts will be able to advise you on how to reduce your tax charge as set by law.


Protect your business with LALUX Assurances, our partner for over 30 years

Thanks to a comprehensive range of LALUX insurance products that can be customised to suit your needs and your profession, you can be sure of optimum protection for your property, your business, your staff and yourself.

Founded in 1920, LALUX is now a key player in the Luxembourg insurance market.

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