Legal information
You are connected to the website of
Banque de Luxembourg Belgium
120, Chaussée de la Hulpe
1000 Bruxelles
Registered under the company VAT number: BE0830227057 - RPM Bruxelles - BIC (Bank Identifier Code) : BLUXBEBB. Banque de Luxembourg Belgium, is a branch of Banque de Luxembourg, hereinafter "Banque de Luxembourg Belgium".
Banque de Luxembourg Belgium is a financial institution subject to the supervision of the Belgian financial services and markets authority: FSMA (Autorité des Services et Marchés Financiers)
12-14 Rue du Congrès
B-1000 Brussels.
Phone: + 32 (0)2 220 52 11.
Fax: + 32 (0)2 220 52 75.
https://www.fsma.be/ and Banque Nationale de Belgique (BNB)
14 Boulevard de Berlaimont
B-1000 Brussels.
Phone +32 (0) 2 221 21 11.
Banque de Luxembourg is a société anonyme governed by Luxembourg law, registered in the Luxembourg Trade and Companies Register (registration No. B 5310) and authorised by the Luxembourg Ministry of Finance as a financial institution (registration No. 27077). Social security registration No. 1953 2200 019, VAT registration number: LU 105 902 81. Hereinafter referred to as "Banque de Luxembourg".
It is regulated by Luxembourg's financial sector supervisory authority:
CSSF (Commission de Surveillance du Secteur Financier)
283, Route d'Arlon
L-1150 Luxembourg.
Phone: (+352) 26 25 1 - 1 (central)
Fax: (+352) 26 25 1 - 2601
http://www.cssf.lu/
Content Manager: Banque de Luxembourg
Webhost: Banque de Luxembourg
I. General terms and conditions for the use of the site
Aim of the website
The purpose of this website is to present Banque de Luxembourg Belgium, and its activities. It should not be considered as constituting a permanent establishment or effective cross-border provision of services outside Belgium. Residents of a country which, for reasons linked to their nationality or country of residence, forbids access to the websites of foreign banks must refrain from consulting this website. Banque de Luxembourg Belgium declines all responsibility with regard to such persons and invites users to check prior to visiting the website that no regulations prevent or restrict them from using the site provided by Banque de Luxembourg Belgium.
Applicable law and competent jurisdictions
This website, together with the links and transactions available through it, are governed by Belgian law, specifically Book XII Chapter 1 of the Economic Law Code governing certain legal aspects of the information society. Banque de Luxembourg Belgium undertakes to comply with Belgian laws and regulations governing the use of a website, the CSSF's recommendations of December 2001 on "Financial Services Provision on the Internet", and the FSMA's regulations of 7 April 2009 on "Financial Services via the Internet: prudential requirements".
Disputes arising from the use of this website are subject to the jurisdiction of Belgium. Complaints should be sent to Banque de Luxembourg Belgium, at the address given in the section "Not happy with our services?" above. ».
Access to this website shall be considered to have taken place directly at the head office of Banque de Luxembourg Belgium at the date and time shown on the Banque de Luxembourg Belgium server, with the connections log serving as proof thereof.
Access to and use of the site
Access to this website and the conditions of use are governed by this legal information. The legal information contained herein may be subject to change and Banque de Luxembourg Belgium invites visitors to the website to check this information on a regular basis.
The current website is designed to provide information for Banque de Luxembourg Belgium Clients and persons who are not Clients of Banque de Luxembourg Belgium. However, products and services presented on the website are strictly reserved for Clients holding an account with Banque de Luxembourg Belgium. Some products or services presented on this website may be barred from sale for certain categories of people. It is the responsibility of each individual to check whether the products and services presented correspond to their current personal situation. The fee schedule of Banque de Luxembourg Belgium applies to these products and services. It is available on the website.
Users are reminded that secrecy with regard to messages sent over the internet is not guaranteed and that they must take appropriate precautions to ensure that their data and/or software are protected from internet viruses and the usual risks associated with the use of the internet (information theft, identity theft, etc.).
Any transaction conducted by the Client following identification and authentication of their identity on this website shall be considered to have been made by the Client, and the Client shall be solely responsible for the consequences. In the event of the theft or loss of the Client's identification information, the Client must inform Banque de Luxembourg Belgium immediately.
Website content
The information published on this website should be considered as "advertising" within the meaning of Book XII Chapter 1 of the Economic Law Code governing certain legal aspects of the information society. Persons accessing this website accept in advance any communication of a commercial nature that they receive from Banque de Luxembourg Belgium via this website or by electronic mail.
This website contains information made available by external companies and hypertext links to other sites that have not been developed by Banque de Luxembourg Belgium. The existence of links from the website of Banque de Luxembourg Belgium to another website shall not constitute an approval or guarantee of the content or the provider who operates this other website.
The financial and economic information published on this website is provided for information purposes only and under no circumstances can it be considered as constituting a product offering, recommendation or solicitation to invest. It must be used with the greatest caution. Banque de Luxembourg Belgium provides no guarantee as to the accuracy, reliability, timeliness or completeness of this information. Banque de Luxembourg Belgium cannot be held liable for such information or decisions that a person may take on the basis thereof. Potentially interested parties must carefully consider the appropriateness of their investments to their specific situation and ensure that they understand the risks involved in their investment decisions.
The subfunds of BL SICAV are registered for distribution in Luxembourg, France, Belgium, Germany, Austria, Spain, Sweden, Denmark, Finland, Switzerland and Singapore. The subfunds of BL Fund Selection SICAV are registered for distribution in Luxembourg, France, Belgium, Germany, Austria, Sweden and Singapore.
Banque de Luxembourg Belgium reserves the right to modify the content of the site or restrict access, whenever such actions are deemed suitable.
The other exclusion of liability clauses present on other pages of the website of Banque de Luxembourg Belgium should be read in conjunction with this legal information. Where applicable, in the event of any dispute regarding these provisions, these special clauses shall take priority.
Hypertext links
The creation of hypertext links to this website is subject to the express prior agreement of Banque de Luxembourg Belgium.
Banque de Luxembourg Belgium shall not be liable for hypertext links from the current website to other websites, irrespective of the circumstances.
Personal data
Cookies
Location data
When you visit a Banque de Luxembourg website, data about your geographic position are collected and processed, such as GPS signals sent by a mobile device. These data serve to connect you directly to the Banque de Luxembourg website registered under a domain name corresponding to the country code from which the connection is made. Accordingly, a connection made from Belgium via a search engine will automatically connect you to the Banque de Luxembourg Belgium website. The data collected concerning the user's geographic position will be collected exclusively for this purpose and held temporarily in the memory or recorded on the computer device of the user, particularly for the purpose of facilitating navigation on the site (see the above section "Personal data and cookies").
Copyright
Any reproduction or representation, in whole or in part, of pages, data, logos or any other aspect of this website by any process or tool whatsoever, without the express permission of Banque de Luxembourg Belgium is an infringement of copyright.
Phishing
The Bank will never contact Clients by email to ask them to click on a hypertext link or to obtain confidential data (such as account numbers, access codes or bank card details).
Banque de Luxembourg Belgium cannot be held liable if a Client is subject to a phishing attack following which confidential information relating to their bank account(s), such as the bank account number(s), access codes, or bank card(s) is disclosed.
The Client must exercise extreme caution with regard to emails from third parties masquerading as Banque de Luxembourg Belgium or Banque de Luxembourg, which may contain hypertext link or a request for confidential information (such as account numbers, access codes or bank card details). Under no circumstances can Banque de Luxembourg Belgium be held responsible for losses incurred by the Client as a result.
Fees
Access to the website is free with the exception of the costs of internet access (internet service and telephone communication), billed directly to the Client by the operators.
Banque de Luxembourg Belgium complies with the codes of conduct of the Belgian federation for the financial sector: Febelfin (Fédération belge du secteur financier); these can be viewed on Febelfin's website (www.febelfin.be).
Not happy with our services?
Any complaints may be sent by letter to the Head Office of Banque de Luxembourg Belgium:
120, Chaussée de la Hulpe
B-1000 Bruxelles
or by email
If the solution proposed by the Bank is not considered satisfactory, the Client, an individual person acting in a personal capacity, may submit the dispute in writing to the bank credit and investment mediation service (Service de Médiation Banques - Crédits- Placements), by letter to the following address:
Service de Médiation Banques Crédits Placements
Rue Belliard 15-17, Boîte 8, B-1040 Brussels
Or by email: ombudsman@ombfin.be
Or using the complaint form available on its website www.ombudsfin.be
II. Specific terms and conditions for the use of the private part of the website
Access and use of the site are subject to Banque de Luxembourg Belgium's General Terms & Conditions governing use of the Internet, signed by the Client. All communication established between Banque de Luxembourg Belgium and the Client and all transactions operated or conducted via the website shall be considered to have taken place directly at the head office of Banque de Luxembourg Belgium at the date and time shown on the Banque de Luxembourg Belgium server, with the connections log serving as proof thereof
Services offered
This website offers the following services:
- Access to the Client’s account(s),
- Presentation of a selection of investment funds,
- Possibility of transmitting buy or sell orders for units or shares in undertakings for collective investment,
- Transfers to other accounts,
- Email correspondence with Banque de Luxembourg.
Banque de Luxembourg Belgium reserves the right to alter these services at any time.
Acceptance of the risks related to transactions on financial instruments
Banque de Luxembourg Belgium draws the Client's attention to the fact that the transmission of orders concerning units or shares in undertakings for collective investment and any other transactions involving financial instruments involve particular risks related specifically to the characteristics of these stocks, fluctuations in their prices and on the financial markets, and the conditions in which the transactions are executed. The Bank hereby informs the Client that it has no influence on these risks and warns the Client that the information available on the stocks, and in particular those relating to past performance, cannot predict future performance.
The Client, acting in accordance with his/her personal investment policy, acknowledges that he/she assumes in full all the risks inherent in the investments that he/she asks Banque de Luxembourg Belgium to execute on his/her behalf, including and without limitation market risk (risk related to exchange rates, share prices, etc.), currency risk, counterparty risk (risk of the debtor defaulting, etc.), convertibility risk, country risk and risk related to or underlying any derivative financial instruments.
The Client formally discharges Banque de Luxembourg Belgium from any responsibility with regard to the quality and performance of all the assets and investments he/she holds there and declares he/she accepts all material losses, on the understanding that the losses may in some cases exceed the amount of the assets deposited at Banque de Luxembourg Belgium.
The Client also declares that he/she is an informed investor and understands the operation of the instruments traded, their technical features and the risks inherent in the investments he/she is proposing to make as part of his/her personal investment policy, including the risks related to transactions on derivatives, on securities issued by low-quality debtors, on unlisted and private equity shares, and on structured products.
Methods for executing transactions
Transactions made on the website are conducted in accordance with Banque de Luxembourg Belgium's General Terms and Conditions, which the Client has accepted.
Right of revocation
The Client has no right to revoke his/her buy or sell orders for units or shares in undertakings for collective investment, nor more generally for other transactions concerning financial instruments whose price depends on financial market fluctuations. The revocation or alteration of other transactions is only possible in accordance with the legal provisions and the General Terms and Conditions.
Certification
Access to the website of Banque de Luxembourg Belgium as well as any instructions given by the Client may be securitised by electronic certificates issued by Banque de Luxembourg Belgium, which the Client and Banque de Luxembourg Belgium formally recognise are "qualified certificates" within the meaning of the Law of 9 July 2001, which sets certain rules on the legal framework for electronic signatures and certification services.
* Mémorial A No.96 - 8 September 2000, p. 2175.
Legal information
You are connected to the website of
Banque de Luxembourg
14, Boulevard Royal
L- 2449 Luxembourg
A Luxembourg public company
registered in Luxembourg's Trade and Companies Register
under number B 5310
Social security number: 1953 2200 019, VAT registration number: LU 105 902 81, BIC (Bank Identifier Code): BLUXLULL
Authorised by the Luxembourg government's Ministry of Finance
as a credit institution under number 27077
It is regulated by Luxembourg's financial sector supervisory authority: CSSF (Commission de Surveillance du Secteur Financier):
283, Route d'Arlon L-1150 Luxembourg
Phone: (+352) 26 25 1 - 1 (switchboard)
Fax: (+352) 26 25 1 - 2601
http://www.cssf.lu/
Content Manager: Banque de Luxembourg
Webhost: Banque de Luxembourg
I. General terms and conditions for the use of the site
Aim of the website
The aim of this website is to present Banque de Luxembourg and its activities. It should not be considered as constituting a permanent establishment or effective cross-border provision of services. Residents of a country which, for reasons linked to their nationality or country of residence, forbids access to the websites of foreign banks must refrain from consulting this website. Banque de Luxembourg declines all responsibility with regard to such persons and invites users to check prior to visiting the website that no regulations prevent or restrict them from using the site provided by Banque de Luxembourg.
Applicable law and competent jurisdictions
This website, as well as all relations and transactions pertaining to it, is governed by Luxembourg law, in particular the Law of 14 August 2000 on electronic commerce*. By visiting the site, non-Luxembourg residents formally accept the full application of Luxembourg law, without reservation. The website’s content has been approved by the CSSF and complies with the CSSF's recommendations published in its December 2001 review on "internet-based financial services". Banque de Luxembourg undertakes to comply with Luxembourg laws and regulations governing website operations.
All litigation with respect to this website is subject to the exclusive jurisdiction of the district court in and of the Grand Duchy of Luxembourg. Complaints may be sent to Banque de Luxembourg, at the address shown in the section below, “Not happy with our services?”
Access to this website will be considered to have taken place directly at the head office of Banque de Luxembourg, at the date and time shown on the Banque de Luxembourg’s server, with the connections log serving as proof thereof.
Access to and use of the site
Access to this website and its conditions of use are governed by this legal information. This legal information may be subject to change and Banque de Luxembourg invites visitors to the website to check this information on a regular basis.
This website is designed to provide information for Banque de Luxembourg clients and persons who are not clients of Banque de Luxembourg. However, products and services presented on the website are strictly reserved for clients holding an account with Banque de Luxembourg who have accepted Banque de Luxembourg’s General Terms and Conditions and terms and conditions of access and use of services available via the internet by signing an agreement to this effect. Some products or services presented on this website may be barred from sale to certain categories of people. Individuals are personally responsible for complying with all the legal and regulatory provisions in their country of residence and any other provisions applicable to them and ensuring that the products and services presented are appropriate for their present personal situation. Banque de Luxembourg’s fee schedule applies to these services. It can be viewed and downloaded from the website.
Users are reminded that there is no guarantee of secrecy with regard to communication over the internet and that that they must take appropriate steps to ensure that their data and/or software are protected from viruses.
Any transaction conducted by the Client following identification and authentication of their identity on this website shall be considered to have been made by the Client, and the Client shall be solely responsible for the consequences. In the event of the theft or loss of the Client’s identification information, the Client must inform Banque de Luxembourg immediately.
Website content
The information published on this website shall be considered as "commercial communication" within the meaning of the law of 14 August 2000 on electronic commerce*. Unless written notice to the contrary is sent to Banque de Luxembourg, persons accessing the website agree to receive marketing-type communications from Banque de Luxembourg, via the website or email.
This website contains information made available by external companies or hypertext links to other sites that have not been developed by Banque de Luxembourg. The existence of links from Banque de Luxembourg’s website to another website shall not constitute approval or a guarantee of the content or the provider who operates this other website.
The information and opinions on Banque de Luxembourg’s website are provided for information purposes and are only valid at the time they are issued. Accordingly, no guarantee can be given as to the appropriateness, exactness, validity, accuracy or exhaustiveness of this data and information, or the opinions based thereon. Past performance is no indication of future returns and Banque de Luxembourg shall not be held liable for the future performance of these securities. Information provided to users of the website cannot be construed as legal or tax advice. Banque de Luxembourg cannot be held liable for this information or any decisions that a person, regardless of whether or not they are a Client of Banque de Luxembourg, may take on the basis of such information. All such persons are responsible for their own decisions. Potentially interested parties must ensure that they understand the risks involved in their investment decisions and should refrain from investing until they have carefully considered, with their own professional advisers, the appropriateness of their investments to their particular financial situation, especially with regard to the legal, tax and accounting aspects.
Subscriptions to funds can only be accepted and units or shares issued on the basis of the latest prospectus and subscription form, the most recent annual report containing the audited financial statements and the latest semi-annual report if this postdates the most recent annual report, and for UCITS, the Key Investor Information Document (KIID). These documents are available from Banque de Luxembourg at any time, free of charge. KIIDs can be viewed and downloaded from this website.
BL Sicav subfunds are registered for distribution in Luxembourg, France, Belgium, Germany, Austria, Spain, Sweden, Denmark, Finland, Switzerland, Italy, the Netherlands, Norway, the UK and Singapore, with the exception of BL-Short Term Euro and Dollar, which are not registered for distribution in Switzerland, Spain, Denmark, Italy, the Netherlands, Norway, the UK and Finland. The BL Fund Selection Sicav subfunds are registered for distribution in Luxembourg, France, Belgium, Germany, Austria, Sweden, the Netherlands, Spain and Singapore.
Banque de Luxembourg reserves the right to modify the content of the site or restrict access, whenever it deems this appropriate.
Hypertext links
The creation of hypertext links to this website is subject to the express prior agreement of Banque de Luxembourg.
Banque de Luxembourg does not accept, under any circumstances, any responsibility for hypertext links from this website to other websites.
Personal data
Cookies
Location data
When you visit a Banque de Luxembourg website, data about your geographic location are gathered and processed. These data serve to connect you directly to the Banque de Luxembourg website registered under a domain name corresponding to the country code from which the connection is made. Accordingly, a connection made from Belgium via a search engine will automatically connect you to the Banque de Luxembourg, Belgian branch website. The data gathered concerning the user’s location will be collected exclusively for this purpose and held temporarily in the memory or saved on the user’s computer device, particularly for the purpose of facilitating navigation on the site (see the “Cookies” section above).
Copyright
All information on the pages of this website is the intellectual property of Banque de Luxembourg or under licence and/or protected by copyright.
Any reproduction or representation, in whole or in part, of the pages, data or any other element constituting the site, on any medium whatsoever, without the express authorisation of Banque de Luxembourg, shall constitute a breach of copyright.
Phishing
Banque de Luxembourg will never contact clients by email to ask them to click on a hypertext link or to obtain confidential data (such as account numbers, access codes or bank card details).
Banque de Luxembourg cannot be held liable if a Client is subject to a phishing attack following which confidential information relating to their bank accounts, such as bank account numbers, access codes, or bank cards, is disclosed.
The Client must exercise extreme caution with regard to emails from third parties masquerading as Banque de Luxembourg, which may contain hypertext links or a request for confidential information (such as account numbers, access codes or bank card details). Under no circumstances can Banque de Luxembourg be held responsible for losses incurred in this way by the Client.
Fees
Access to the website is free with the exception of the costs of internet access (internet service and telephone communication), billed directly to the Client by the operators.
Not satisfied with our services?
II. Specific terms and conditions for the use of the private part of the website
Access to and use of the site are governed by the general terms and conditions for use of the site, the terms and conditions for access to and use of internet services, and Banque de Luxembourg’s General Terms and Conditions, which have been signed by the Client. All communication established between Banque de Luxembourg and the Client and all transactions operated or conducted via the website shall be considered to have taken place directly at the head office of Banque de Luxembourg at the date and time shown on the Banque de Luxembourg server, with the connections log serving as proof thereof.
Services offered
This website offers the following services:
- Access to the Client’s account(s),
- Presentation of a selection of investment funds,
- Possibility of transmitting buy or sell orders for units or shares in undertakings for collective investment,
- Transfers to other accounts,
- Email correspondence with Banque de Luxembourg.
Banque de Luxembourg reserves the right to alter these services at any time.
Acceptance of the risks related to transactions on financial instruments
Banque de Luxembourg draws the Client’s attention to the fact that the transmission of orders concerning units or shares in undertakings for collective investment and any other transactions involving financial instruments involve particular risks related specifically to the characteristics of these stocks, fluctuations in their prices and on the financial markets, and the conditions in which the transactions are executed. Banque de Luxembourg hereby informs the Client that it has no influence on these risks and warns the Client that the information available on the stocks, and in particular those relating to past performance, cannot predict future performance.
The Client, acting in accordance with his/her personal investment policy, acknowledges that he/she assumes in full all the risks inherent in the investments that he/she asks Banque de Luxembourg to execute on his/her behalf, including and without limitation market risk (risk related to exchange rates, share prices, etc.), currency risk, counterparty risk (risk of the debtor defaulting, etc.), convertibility risk, country risk and risk related to or underlying any derivative financial instruments.
The Client formally discharges Banque de Luxembourg from any responsibility with regard to the quality and performance of all the assets and investments he/she holds there and declares that he/she accepts all material losses, on the understanding that the losses may in some cases exceed the amount of the assets deposited at Banque de Luxembourg.
The Client also declares that he/she is an informed investor and understands the operation of the instruments traded, their technical features and the risks inherent in the investments he/she is proposing to make as part of his/her personal investment policy, including the risks related to transactions on derivatives, on securities issued by low-quality debtors, on unlisted and private equity shares, and on structured products.
Methods for executing transactions
Transactions made on the website are conducted in accordance with Banque de Luxembourg’s General Terms and Conditions, which the Client has accepted.
Right of revocation
The Client has no right to retract buy or sell orders for units or shares in undertakings for collective investment or any other financial instrument, or more generally for any product or service whose price depends on fluctuations on the financial markets, that may arise within 14 calendar days, over which Banque de Luxembourg has no influence, or for contracts executed in full within 14 calendar days at the express request of the Client. Other transactions or services can only be revoked or disputed in accordance with the General Terms and Conditions and within a maximum of 14 calendar days.
Certification
Access to Banque de Luxembourg’s website and any instructions given by the Client may be securitised by electronic certificates issued by Banque de Luxembourg, which the Client and Banque de Luxembourg formally recognise are “qualified certificates” within the meaning of the Law of 14 August 2000 on e-commerce.
* Mémorial A No.96 - 8 September 2000, p. 2175.
Whistleblowing system
The whistle-blowing system (hereinafter “the System”) is not intended to handle commercial complaints, which are dealt with under a separate process in accordance with the applicable regulations.
The System, which can be accessed from this page, allows you to report any irregularities that might cause the whistleblower to question whether legal and regulatory obligations, professional standards and the internal procedures arising therefrom within the relevant entity have been complied with, and to which, where applicable, the whistleblower does not consider that a satisfactory response has been provided.
Such reports can cover all areas: banking; finance; accounting; anti-bribery and corruption; protection against unfair competition; market abuse; environmental protection; human rights and freedoms; health, hygiene and safety, etc.
Depending on the subject, reports are handled confidentially by Human Resources or Compliance Contacts, in accordance with the regulations in force.
Whistleblowers are protected against the risk of reprisals by the local applicable legislation.
Anyone who misuses the System may be subject to penalties or prosecution. However, if the System is employed in good faith, the whistleblower will not risk any disciplinary measures, even if the facts subsequently prove inaccurate or do not give rise to any further action.
I hereby acknowledge that I have read and understood the information on Banque de Luxembourg’s System and the protection of personal data.
How to make a report
Reports can be made confidentially via one of the following channels:
By email:
You can send us the form provided, marking it "strictly confidential" in the subject line:
dispositif.alerte@blu.bank
By post:
You can send us the form provided by post, marking the envelope "strictly confidential”, to the following address:
Compliance - Whistle-Blowing System (strictly confidential)
Compliance Department
Banque de Luxembourg – 14 Boulevard Royal L-2449 LUXEMBOURG
The whistle-blowing system (hereinafter “the System”) is not intended to handle commercial complaints, which are dealt with under a separate process in accordance with the applicable regulations.
The System, which can be accessed from this page, allows you to report any irregularities that might cause the whistleblower to question whether legal and regulatory obligations, professional standards and the internal procedures arising therefrom within the relevant entity have been complied with, and to which, where applicable, the whistleblower does not consider that a satisfactory response has been provided.
Such reports can cover all areas: banking; finance; accounting; anti-bribery and corruption; protection against unfair competition; market abuse; environmental protection; human rights and freedoms; health, hygiene and safety, etc.
Depending on the subject, reports are handled confidentially by Human Resources or Compliance Contacts, in accordance with the regulations in force.
Whistleblowers are protected against the risk of reprisals by the local applicable legislation.
Anyone who misuses the System may be subject to penalties or prosecution. However, if the System is employed in good faith, the whistleblower will not risk any disciplinary measures, even if the facts subsequently prove inaccurate or do not give rise to any further action.
I hereby acknowledge that I have read and understood the information on Banque de Luxembourg – Belgian branch’s System and the protection of personal data.
How to make a report
Reports can be made confidentially via one of the following channels:
By email:
You can send us the form provided, marking it "strictly confidential" in the subject line:
dispositif.alerte@blube.bank
By post:
You can send us the form provided by post, marking the envelope "strictly confidential”, to the following address:
Compliance - Whistle-Blowing System (strictly confidential)
Compliance Department
Banque de Luxembourg Succursale de Belgique - Chaussée de La Hulpe, 120 - 1000 BRUXELLES
Engagement policy
In its capacity as an asset manager within the meaning of Directive 2017/828 of the European Parliament and of the Council of 17 May 2017, and in accordance with said directive, Banque de Luxembourg has published an engagement policy on its website describing the way in which it incorporates shareholder engagement into its investment strategy, which will be reviewed and updated as necessary. Information on the implementation of the engagement policy will be published at the end of the year in the form of a report for the period from the first of January of this year.
Foreign exchange fees applicable to card payments in the currency of an EU Member State, other than the euro
The foreign exchange fees* applicable to card-based payments in the currency of an EU Member State, other than the euro, are available in the document below.
*These fees are updated every business day. A margin determined by Banque de Luxembourg will be added to these fees, as well as the margin provided by Visa. They are displayed for information purposes only and are not binding on Banque de Luxembourg. The foreign exchange fees applied will be those in force at the time of payment; they may vary from the fees displayed during the consultation or the request for authorisation of payment.
PSD 2 – Provision of the application programming interface (API)
In accordance with the legal requirements of the European PSD 2, Banque de Luxembourg provides technical documentation for the application programming interface (API), based on the Berlin Group standard, as well as a test environment accessible via the LuxHub platform, which acts as an intermediary between the Bank and third-party providers (TPPs).
For technical details and information on the swagger and on-boarding, please follow this link