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…
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All articles
Welcome to Spuerkeess’s finance blog. From credit cards, loans, home buying to investing, our blog provides regular content to keep you in the know!
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…
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…
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…
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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.…
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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…
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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…
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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…
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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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…
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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…
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Ethics and how we ensure integrity throughout our organization
Ethical behavior matters. Employees who have high ethical standards are proactive to help solve problems with work colleagues and clients. While so-called…
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Isabelle Mattern Studio: Visual communication and collaborative design practices
After studying in Paris and London, Isabelle Mattern decided to join the rising local scene in Luxembourg to set up as a freelance designer and conceptor in…
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#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…
Rewarding environmentally friendly projects!
In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when…
Getting the most out of your home renovation
Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc…
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Nyki: equitable tutoring
Passionate about social entrepreneurship and convinced that this is the model that will meet the economic, environmental and social challenges facing our…
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…
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Is Luxembourg happy at work? The impact of a bad atmosphere at work and how to improve employee satisfaction.
Does a bad working atmosphere have an impact on a company and what can we do to improve employee satisfaction? We spoke to David Büchel, psychologist at the…
Climate change and money – how to ensure your portfolio is truly green?
Do our savings impact climate change and how can we invest sustainably? Bryan Ferrari, Investment and Portfolio Manager at Spuerkeess’ Private Banking provides…
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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…
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…
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The ins and outs of the rental deposit in Luxembourg
So you just arrived in Luxembourg and found your first place to live? The landlord (lessor) requires a rental deposit (garantie locative). What is that? How do…
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Investing “made easy” with S-Invest Plus
It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The…
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Data management and how to keep our data safe
What happens with our data, especially in the realm of banking? How can we keep our data from being misused? Sébastien Cuny, team manager and Thierry Conter,…
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The future of work trends and how to prepare for them
What are the major workplace trends and how can we prepare for future jobs? How does Luxembourg compare to the rest of the world? Lieven Lambrecht, Head of HR…
Spuerkeess the ideal partner for the international community
In Luxembourg, nearly one in three of the active workforce is a foreigner and almost half of the working population are residents of our neighbouring…
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New ways of mobility and how to reduce stress whilst commuting
We spoke to Christophe Reuter, “Premier Conseiller de Gouvernement” at the Ministry of Mobility and Public Works, who provided insight as well as useful tips…
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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…
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What are the alternatives to traditional savings accounts?
Key rates are continuing to increase, which makes it more expensive for consumers to access credit. On the other hand, savings and some forms of investment,…
What are the most common types of phishing attacks and how can you protect yourself?
Phishing attacks are becoming more and more sophisticated. What are the pitfalls and how can we protect ourselves? We spoke to Bertrand Lathoud from the…
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Coaching with man's best friend
A burn-out in 2018 was for Josée Thyes an opportunity to rethink her lifestyle. Interested in coaching and supporting people for a long time, she decided to…
Annual statement: benefit from tax adjustment!
Are you entitled to a tax refund? Discover if your situation calls for an annual statement!
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The Central Bank has continued raising key rates and rates on home will follow. What’s the best way to approach a home ownership project at this moment in time?
We asked Charles Pletsch, “Vice President and Head of Business Unit” at Spuerkeess, specialising in home loans, to share his view on interest rate trends and…
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Sustainable finance and how to ensure a sustainable future
There is an immediate need to direct capital towards critical issues such as climate change, environmental degradation, biodiversity loss, and water scarcity.…
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…
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What are the best strategies to reduce climate change and how to take action on climate change social issues?
We spoke to sustainability experts Dr. Elorri Igos and Thomas Schaubroek from Luxembourg Institute of Science and Technology (LIST) who provided five useful…
Need a new car? Get it the easy way with a Lease Plus leasing!
You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!
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Tax returns promise to be easier with the Tax Area in S-Net
Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s…
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Marc fills in his tax return on S-Net using myTax by VIREO !
Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to…
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Zero Waste: a strong argument!
Passionate about the environment and digitalisation, Stéphanie Lamberty has brought them together with Kilogram, the first completely online shop for local,…
"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…
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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…
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Schoulspuerfester, a tradition born at Spuerkeess
It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result,…
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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…
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…
What are the main energy trends for 2023 and how can technology help us transition to a carbon free world?
We spoke to Thomas Gibon, Researcher in the “Life cycle sustainability assessment” department at the Luxembourg Institute of Science and Technology (LIST) who…
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Happiness and how to stay happy in a modern world
We live in a fast-paced digital world and, wherever we go, we are reachable 24/7 via our smartphones. Is it possible to be happy whilst constant stress ? We…
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Ashanti’S, making beauty accessible for everyone!
Driven by her desire to "make beauty accessible for everyone", Susana Costa created a personalised treatment and wellness programme provided in…
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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.
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S-Net Mobile awarded best mobile banking application in the country
A recent independent study, conducted by SIA Partners, named S-Net Mobile the best mobile banking application in Luxembourg. We took the opportunity to talk to…
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FinTech 2023 and where does Luxembourg stand on a global level?
We spoke to Nasir Zubairi from LhOFT who provided insight and gave five useful tips for CEOs of banks when it comes to FinTech adoption?
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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 –…
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Our ageing population and how to face the challenges this presents.
The rapid ageing of the world's populations and the decline of the working age population are becoming a growing concern. We spoke to Kristell Leduc,…
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Term Deposits – a Good Alternative for Savings
Uncertainty, crises, inflation and the fears of a recession continue to dominate the news. How can you invest securely and why have good old-fashioned term…
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…
Understanding the tax benefits of a rental investment
Whether it is to live in or rent out, buying a property also offers a number of tax benefits as set by law. In order to help you better understand these…
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My mobile phone: a curse or a lifesaver?
Luxembourg has one of the highest smartphone penetration rates in Europe; 94% of the population own a smartphone. According to STATEC, most children in…
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S-Net Mobile: banking at your fingertips
Since its launch in 2015, S-Net Mobile has been a huge success. Today, almost 1 in 2 customers in the under-30 age group uses its smartphone exclusively to…
Green and digital. How to build a smart city in Luxembourg ?
The purpose of a so-called "smart city" is to use technology in order to increase operational efficiency and, thus, improve the welfare of citizens.…
Biodiversity and how to protect it
The UN Biodiversity Conference (COP15) will be held in December 2022 in Montreal (Canada). With climate extremes manifesting themselves in increasingly intense…
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The future is hats
Born in Spain, Sylvia arrived in the Greater Region in 2007. Having worked in a bank for 21 years, she decided to make a living from her passion, which is the…
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How can we keep the environment clean?
Littering is the bad habit of leaving trash in public spaces or carelessly throwing it away. Mr Jean-Pierre Santer, co-founder of “Pickitup”, says that this…
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How can we help improve our wastewater?
165 litres of water are consumed on average per day per person. After being used for laundry, flushing the toilet, cleaning, cooking, etc., , wastewater is…
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How to enhance Green IT?
Can we make our IT consumption green again? Nathalie Thielemans, Managing Director at OXiane and Valérie Viatour, Expert Consultant & Trainer on Green IT…
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The tricky path to becoming an entrepreneur
Of Indian origin, Supriya Sodhi arrived in Luxembourg in 2016. Although she holds two higher education degrees, she chose to follow her heart. Her great love…
Checklist for a stress-free holiday
You're going on holiday? Great, make sure to read our little checklist before you take that plane!
Rising interest rates on home loans - 2 tips to be well prepared
Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their…
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Fast fashion and how to reduce its environmental impact
Our planet's resources are limited and the textile industry is a major contributor to environmental damage. Jeannette Müller, advisor to the Luxembourg…
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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…
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The bridge side of life: Spuerkeess unveils its new campaign
After months of reflection and discussion, Spuerkeess began to release its teaser ads, giving a behind-the-scenes look at its new image campaign and gradually…
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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…
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How to enhance psychological safety at work
Employees who feel accepted and respected at work are more productive. Dr. Mareike Bönigk, Head of the Psychosocial Service of the Ministry for the Civil…
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Turning a dream into reality: Making craft Ramen available to everyone
Of Chinese origin and British nationality, Mei Chan has been immersed in Japanese culture thanks to her many travels but also because of her passion for this…
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Happy Mother's Day, mum!
Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery.…
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Ecobonus powered by etika: Another reward for your energy renovation!
After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house…
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What should we do with our old electronic devices?
Did you know that your old computer or TV doesn’t belong in the trash, but do you know how to discard your old electronic equipment? Andy Maxant, Director of…
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The yellow brick road: follow your dream
After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few…
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The transition to renewable energy
Greenhouse gas emissions decreased in 2020 due to the disruptions of economic activity, travel, and commerce brought about by the COVID-19 pandemic. What can…
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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…
The cigarette and how to fight against this number one polluter
Cigarette butts are a toxic plastic pollutant. In fact, cigarette butts are the most common type of litter collected on beaches. We spoke to Stéphane Hérard,…
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Fidès Executive Partner, the IT recruitment firm for the financial sector in Luxembourg
After an extensive human resources experience in the field of finance, Chaffa Zaroui chose to shift her focus to the world of entrepreneurship and launch her…
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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…
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Bye bye linear economy. Hello circular economy!
The manufacturing process of the linear economy counts for half of the emissions around the world. The extraction of resources also leads to other problems…
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Will AI be human soon?
Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer…
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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…
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Tax return: is the myTax digital assistant the ideal solution to ensure you pay the right amount of tax?
In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…
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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…
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Understanding investment funds
Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow…
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2022 trends in FinTech in Luxembourg
Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech…
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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…
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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…
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Milk and meat – how can Luxembourg farmers better protect the environment?
In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg.…
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Focus on the country’s large-scale photovoltaic installations
Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop…
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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…
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Internet of Things (IoT)
Is your home a smart home? Welcome to the Internet of Things (IoT). All around the world, billions of physical devices are now connected to the internet. That…
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Lombard Loan: the flexible financing solution without limits
Holding a portfolio consisting of financial assets, and then having to sell it in part or in full in order to have access to cash on an ad hoc basis, can lead…
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…
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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,…
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madi&co – the digital marketing agency for SMEs
After ten years with an advertiser, Marie-Caroline Dumas decided to create her own digital marketing and communication agency and thus became an entrepreneur.…
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LuxEnergie: Turnkey and environmentally friendly energy for everyone!
With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy…
The gender gap and how to close it
According to the World Economic Forum's Global Gender Gap Report 2021, at least one more generation of women will have to wait for gender equality. Dr.…
Cybercrime and how to prevent it
The world has become digital and cybercrime is on the rise. Failure of companies’ technological defences entail both financial loss and damage to the…
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From farm to table
Alice Tiberio left her native Italy 11 years ago to discover new cultures. She lived in Canada, the USA and moved to Luxembourg to start her business. Whether…
ESG in the changing landscape of higher education
Global warming is a challenge that concerns us all and the economic system plays an important role in the battle against climate change. Thus, the University…
Responsible Christmas gifts—the right choice
Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and…
Employee or Entrepreneur: Why not both ?
After living in Sweden and Holland, Francesca Pogliani, of Italian origin, has settled in Luxembourg. Employed full time in a Big Four company, she spends the…
“FinTech” explained
The word “FinTech” entered the dictionary in 2018 but what exactly is FinTech and how does it affect banking? We spoke to Dr. Zsofia Kräussl who is Research…
BHW: Save today and build tomorrow
Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her…
Meet our experts. Here comes our Scientific Advisory Board
ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise…
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More self-awareness for better life choices
After 15 years of professional experience in the financial sector, Christelle Dewaele trained in kinesiology and switched to the world of entrepreneurship.…
How sustainable are electric cars ?
How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.
Tree.to.Skin – Self-care meets Earth-care
Is it possible to create nourishing self-care products for body and soul while protecting the planet? This question has been at the heart of how Tree.to.Skin…
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…
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…
Renovating or building a new house? This is what you should know
Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five…
Why recycling matters.
From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging…
The family goes cycling
When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips…
Plastic in the sea
Every day, eight million pieces of plastic end up in the ocean. This not only kills fish, sea birds and marine mammals, but also affects humans on land. We…
Why integrate the smart home into your daily life?
The pandemic has restructured and changed our habits and the way we live and work. With COVID-19, our homes have become more important than ever.
What is greenwashing and why is it a problem?
It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product.…
Which solutions for managing your wealth?
Wealth management needs to meet numerous objectives and it can be complicated to strike the right balance between these goals and the enhancement of your…
Soler: Energy from Luxembourg!
Owned equally by SEO and Enovos, Soler has been active in renewable energy since 2001. Mr. Paul Zeimet, Administrateur-Délégué, was kind enough to tell us more…
United Nations climate and sustainable development goals: How to become a sustainable bank
Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable…
The performance of a solar park in the south of the country
Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus…
Meet Spuerkeess’ sustainability team
From checking facts, documenting and optimising our environmental efforts to getting our sustainable message out to the world - our common goal is to advance…
The Luxembourg Real Estate Market: current market prices
The high real estate prices are a direct consequence of the imbalance between supply and demand for housing in our country. But how did this imbalance occur?…
Craft et Compagnie, the taste of artisan champagnes
Craft et Compagnie specialises in the sale of exceptional artisan champagnes in Luxembourg. Its mission is to promote talented winemakers at the forefront of a…
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…
Meet Spuerkeess' Science and Sustainability Advisor
For the past two years Spuerkeess has worked with a science and sustainability advisor who has helped us conduct our own research and develop tools that help…
The day Marc started investing
Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who…
Archi Box, the Creative Corner
A different way of networking! Archi Box is a more fun alternative to traditional trade shows, especially during the current pandemic, in which digital events…
Saving for your children: what makes the most sense?
Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about…
Bank payments kick into high gear
Banks are introducing a new standard for interbank payments: Instant Payments.
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…
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…
Newcomer to Luxembourg? Learn more about how to manage your life in the Grand-Duchy
New job opportunities can equal new challenges, moving abroad being only one of them. Sophie and Marc met Shauna while visiting the USA and they have stayed in…
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…
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…
Spuerkeess Direct branch
Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 8.00 am to 6.00 pm Monday to Friday to carry out…
Spuerkeess in 2020
Lisa Wells, Head of Marketing, talks about the “Spuerkeess” brand in 2020: As part of the internal renewing process in recent years, we have worked on…
In the spirit of continuity
Françoise Thoma, Chief Executive Officer of Spuerkeess, talks to us about the Bank’s new communications strategy.
New Corporate Identity (CI) and new brand image campaign for Spuerkeess
Interview with Claude Faber, head of communications in the marketing department, about the procedure for the elaboration of the new Spuerkeess Corporate…
Entrepreneurship: addressing future needs through innovation and technology
NEOFACTO has been assisting companies with their digitalisation since 2000 in Luxembourg, navigating its way between the creativity of start-ups and the…
Moving to Luxembourg? A story about living and working in the Grand Duchy as an expat
Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips…
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…
The Luxembourg Real Estate Market: rental investment
Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…
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…
Spuerkeess Asset Management (Spuerkeess Asset Management is the trading name of BCEE Asset Management) signs the "Investor statement on deforestation and forest fires in the Amazon"
On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset…
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…
Marc wants to invest his savings, what about you?
Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that…
Why outsourcing sales is the next “big thing”
Outsourcing sales is becoming more and more popular, especially for startups and small companies that do not have the means to hire their own sales people. SOS…
Keep innovating to move forward!
This is the motto at Supermiro (the personal assistant that handles your free time) and now Helloboss (which takes care of your professional schedule and your…
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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!
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,…
Understanding residual debt insurance!
You've probably heard of residual debt insurance. But what does it mean and do you need it?
Master your Business Intelligence system & erase IT debt to shape the future
Our software openAudit is a solution for managing decision-making data flows, in order to massively simplify systems and tackle the most stringent regulatory…
Ruth Gallery, a trendy art gallery
Ruth Gallery is a contemporary art gallery that aims to showcase different cultures from all over the world. Having presented the pop art universe a few months…
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…
Civil union (PACS) and inheritance: how does it work?
Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!
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…
Nyuko: fostering entrepreneurial spirit
Nyuko, a challenger of ideas, is repositioning and has signed a partnership with Spuerkeess. This will enable nyuko to supervise project leaders even better…
Employability: a skill to acquire!
We tend to forget that recruiting works in both directions. Both the employee and the employer choose to work together, and it's important that both…
Alternative Saving: the advantages you should know about
Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl,…
Baby on board! Time for a practical and spacious car.
Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but…
Intestate succession: who gets what?
Who inherits what? Understand how intestate succession works!
Spuerkeess joins the InnovFin programme
Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros.…
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…
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!
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…
The civil union ("PACS"): an alternative to marriage
One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love...…
An “open space” concept for Spuerkeess branches!
In a society marked by digitalisation, consumers’ behaviour and their expectations regarding retail outlets have changed considerably. This trend is affecting…
Smart investing: our tips
Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!
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Improve customer experience through new technologies
As the leading bank in the Luxembourg financial market, Spuerkeess has launched MIA, a personal financial management (PFM) tool, free of charge, destined to…
The savings account, offer a different present
Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a…
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Spuerkeess has launched its blog
In need of tips or advice on financial matters? Well then, you might like our new blog! Luc Sinner, Deputy Head of Business Unit Marketing at Spuerkeess told…
MiFID II: added value for the customer
The European Markets in Financial Instruments Directive (MiFID II) entered into force on 3 January 2018. Claude Hirtzig, Head of Department and Senior Vice…
The importance of innovative design in the banking sector
Spuerkeess recently redesigned the desktop and mobile versions of its S-Net. The modern and innovative design created by the communications agency Apart won a…
