Our savings solutions
Discover all of our savings solutions (life insurance, financial investments, savings accounts, etc.) to safeguard your and your family’s future, prepare for retirement with peace of mind, or invest for the medium or long term.
Save for your children
Looking to prepare for your children’s future, build up savings, finance their studies, or give them a head start in life? We offer a number of solutions.
Youth savings account: benefit from guaranteed capital and acces to your savings
Want to start saving for your child without being tied down? The Youth savings account (up to the age of 29) allows you to save at your own pace, offering guaranteed capital and regular interest until your child turns 29.
The savings are immediately available if needed. You can make deposits and withdrawals at any time.
Growth savings account: build savings for your child, available when they turn 18
Want to build savings for your child to pay for their studies or give them a head start in life?Designed for minors up to the age of 18, the Growth savings account offers an attractive interest rate.
The funds are blocked until they turn 18: as your child grows, so does their capital!
Save for your future projects
Savings account or savings book: two secure, easy and fast savings options!
Savings account: your savings earn interest and are available at any time.
Want to put savings aside as and when you choose, without being tied down? The savings account allows you to save at your own pace: build up a cash reserve to finance a project or deal with unexpected circumstances.
- minimum €10 deposit to open the account;
- savings available at any time;
- account interest in line with the market rates;
- total security for your assets;
- free transfers and withdrawals.
Savings book: invest your savings over 1–2 years to maximise your return
Looking to build up cash to cover any contingencies, while still having access to your money? With a savings book, you benefit from an interest rate depending on the market rates, plus loyalty and growth premiums*. The return on your savings is optimised depending on the retention period. The return on your savings is optimised depending on the retention period.
* An interest rate is applied to your entire savings. A higher interest rate is applied for new cash contributions, as well as for capital held in custody for a certain period of time.
Combine regular and financial savings
Looking to finance your projects in the medium or long term? The automatic savings plan and OptiSave life insurance allow you to gradually build up savings.
Easinvest automatic savings plan: save yourself from worry
Would you like to save regularly without constraints? With an automatic savings plan, you build up savings little by little and hassle-free.
- you decide on the amount and frequency of automatic payments in advance;
- your money is invested in BNP Paribas Asset Management funds in order to boost returns;
- you can sell all or part of the portfolio at market value, free of charge and at any time;
- you have an investment horizon of at least 3 years.
OptiSave+ life insurance: combine regular savings with tax benefits
With OptiSave+ life insurance by Cardif Lux Vie, you can build up capital over time, while enjoying immediate tax benefits (depending on your situation).
You choose the amount and frequency of premiums to be paid.
When you take out a policy, you can choose between:
- one of several predefined investment profiles;
- a personalised investment profile.
Save over the medium or long term by investing in the financial markets
Do you want to build a portfolio or set up financial savings? Boost your savings today by investing in the financial markets.
Themed range: create a high-quality portfolio by choosing from a range of funds
The themed range is a selection of 10 investment funds rigorously selected by our experts.
Your advisor can help you:
- determine your investor profile;
- choose the themed range funds that match your goals;
- allocate your capital to the funds that best meet your expectations.
With the themed range, choose from a selection of financial investment products fully backed by our experts. Invest your capital and make your savings count.
With OptiLife², find peace of mind by combining savings with the benefits of life insurance
OptiLife² is a flexible-payment life insurance policy created by Cardif Lux Vie, allowing you to combine life insurance with your savings objectives.
Access a wide selection of funds. Diversify your portfolio according to your investor profile, assets and objectives.
You can also subscribe to optional benefits to protect your loved ones in the event of death.
This product makes it possible to build a portfolio while arranging a transfer of assets.
“Essentiel Conseil” offer: get help building your portfolio
You’ve opened an Essentiel current account at BGL BNP Paribas. Did you know that with the Essentiel Advice option, one of our advisors can help you build your portfolio? An opportunity to discover the financial markets and boost your savings with funds rigorously selected by our experts.
You can carry out your operations online quickly and easily, in the main stock exchanges. Contact our advisors online or by phone, Monday to Friday from 8.30am to 6.30pm.
Direct Invest+: access the full scope of our expertise to manage your portfolio
Are you looking for personalised advice on your investments? With Direct Invest+, speak to a team of specialists with experience in various financial markets. Our experts will help you select the financial investments that best suit your needs. You’ll then meet regularly for in-depth discussions on how your goals are progressing.
Save for retirement with OptiPension+ pension insurance
Do you want to maintain your lifestyle once you retire?
OptiPension+ is a pension insurance solution that helps you save for your retirement. You save regularly under a long-term plan, while taking advantage of tax benefits.
You can split your savings up between two options, depending on your financial goals:
- a guaranteed minimum rate and potential profit-sharing;
- premiums are invested in one or more internal funds, in line with your risk profile.
You can draw from your savings once you turn 60, and can even withdraw your entire capital. You can also opt for a monthly annuity.
With the OptiPension+ life insurance offer, prepare for your retirement with complete peace of mind!
This document does not claim to provide an exhaustive description of the investment services to which it refers, nor of certain associated risks. A decision to invest may not be taken solely on the basis of this document and should only be taken after careful analysis of all its characteristics and associated risks (as described in the “Investor Guide”) after having obtained all the necessary information. BGL BNP Paribas S.A, as a credit institution, is subject to regulation and supervision by the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg.
OptiSave, OptiPension+ and OptiLife are products created by Cardif Lux Vie and distributed by BGL BNP Paribas, Cardif Lux Vie’s insurance agency, entered in the register of insurance intermediaries under number 1996AC001.
Tax deductibility varies based on the personal situation of each client and is subject to change.
The information shown on this webpage does not constitute a recommendation or investment advice. This webpage does not claim to provide an exhaustive description of the investment services to which it refers, nor of certain associated risks.
A decision to invest may not be taken solely on the basis of this document and should only be taken after careful analysis of all its characteristics and associated risks (as described in the “Investor Guide”) after having obtained all the necessary information. If you feel it necessary, BGL BNP Paribas would encourage you to contact professional advisors, including tax advisors.
BGL BNP Paribas S.A, with its registered office at J.F. Kennedy, 50, L-2951 Luxembourg, as a credit institution, is subject to regulation and supervision by the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlon, L-1150 Luxembourg.
