BILnet vs R

BILnet: simple, fast, and easy to use. You can perform all of your essential transactions on your mobile! Manage, group, and rename your accounts independently - View your account and credit card balances and transactions in real time - Log in as the account holder or an agent - When you log in to BILnet as an agent, your accounts are now grouped. Tip: to make organising your accounts easier, feel free to rename your accounts and/or change the order in which they are displayed. Free instant payments, made in a few seconds and in just a few clicks! - Your eligible SEPA (single euro payment area) payments are now made instantly, within a few seconds, 24/7, and for free! * - If your instant payment cannot be made, for example if the receiving bank does not accept instant payments, then your payment will be treated as a standard transfer under the relevant time frame. The interface for your transfers and standing orders has been tweaked - Extra fields are now provided when entering details about the beneficiaries of your transfers. From your computer you can set up a standing order directly from the transfer entry screen. Just tick the “Make this a standing order” box. Tip: to avoid making a mistake when you enter your new beneficiary’s IBAN, you can copy/paste it straight into the appropriate field. Better loan management - Your mortgages and your personal, student and investment loans appear in the dedicated “Loan” section of BILnet. These loans now take the form of a contract rather than an account on which movements are recorded. - You can now find additional information about your loans in BILnet, including: o type of loan o amount borrowed/used o current interest rate o next due dates o capital outstanding Find all your electronic documents easily - Download your banking documents in PDF format - Take advantage of the free and environmentally friendly paper-free option so that you no longer receive your documents by post - Sign your documents electronically - All electronic documents are now sorted by date Contact us whenever you need to - Communicate with the bank using secure messaging and share any attachments required Don’t have an account yet? Visit bil.com for more information. The app is available in three languages (FR, DE, EN). *For more information about our tariffs, visit bil.com

Your account, your transaction, your customer satisfaction! R-Net Mobile app gives you access to your bank accounts from anywhere, anytime you like! Functionalities • Overview and history of current assets and liabilities • Credit card transactions • Bank transfers to your own bank accounts • Bank transfers to national and international bank accounts saved in your Raiffeisen.Net address book • Bank transfers to all national and international bank accounts that are not saved in your Raiffeisen.Net address book To use these functionalities, you need a Raiffeisen.Net contract and a LuxTrust Token. You may also find (even if you’re not a Raiffeisen customer): • Contact details, opening hours and the geographical position of the nearest Raiffeisen branch and ATMs • Useful numbers to get into contact with Raiffeisen Benefits • Accessibility • Flexibility • Security About us Raiffeisen is a cooperative bank – which makes all the difference. We are committed to supporting you and serving your best interests. As your cooperative choice, it’s only natural for us to trust those who trust us.