You are connected to website (hereinafter the "Website") owned by BANQUE HAVILLAND S.A.

35a, avenue J.F. Kennedy
L-1855 Luxembourg
t. +352 463 131

Banque Havilland S.A. (hereinafter the "Bank") is a public limited company governed by Luxembourg law registered with the Luxembourg Company and Trade Register under number B 147029
VAT registration number: LU23366742, BIC (Bank Identifier Code):HAVL LU LL

Authorised by the Ministry of Finance of the Luxembourg government as a banking establishment under number 30/90
And subject to the supervision of the Luxembourg financial regulator CSSF 110, route d’Arlon L-2991 Luxembourg
Telephone: (+352) 26 25 1-1, Fax: (+352) 26 25 1-601,

This Website aims to present the Bank, its activities and the different types of products and services offered by the Bank. Persons located in jurisdictions where (for reasons of nationality, place of residence or other reasons) the publication or availability of the Website and the information it contains is prohibited or restricted, are entitled to access only to the extent of the law applicable to them.

This Website is designed to provide information for the Bank’s clients and persons who are not clients of the Bank. However, products and services presented on this Website are strictly reserved for clients holding an account with the Bank and having accepted the terms and conditions of services available via this Website by signing an agreement to this effect. The Bank’s fee schedule applies to these services.

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. By accessing this Website, all users accept in advance any communication of a commercial nature that they receive from the Bank via this website or by electronic mail.

Data and information on this Website is provided by the Bank for informational purposes only. Nothing contained in this Website constitutes an offer to buy nor a solicitation to sell, nor is it investment advice by the Bank and is not legally nor contractually binding.

The fact that the Bank makes data and services of this Website available to the user does not mean that these services and information and products described on this Website are appropriate or adapted to the user.

The Bank reserves the right to change the content of the Website or restrict its access whenever it deems suitable.

Third-party resources that can be accessed with hypertext links from this Website are not under the control of the Bank, and the Bank is not responsible for the contents of any of these third-party resources. The third-party hypertext links presented on this Website are provided for your convenience only. The inclusion of any link on this Website does not imply any recommendation, approval or endorsement of that Website by the Bank.

Users of this Website are informed that their personal data may be used by the Bank and automatically processed. Users are also informed that by accessing this Website their personal data may be temporarily stored in the memory or registered on their own computer for purposes of facilitating navigation on the website (cookies).

Users are entitled to use their access rights to correct all relevant personal data in accordance with the Luxembourg law of 2 August 2002 regulating the use of personal data in computer programmes by writing to the Bank at the above mentioned address.

Basic information about the protection of deposits

Banque Havilland S.A. (the “Bank”) has adhered to the deposit guarantee scheme of the Fonds de garantie des dépôts Luxembourg (FGDL) which regroups all Luxembourg credit institutions (please refer to contact details below).

Limit of protection:
EUR 100.000 per depositor per credit institution

If you have several deposits with the Bank, all your deposits with the same credit institution are «aggregated» and the total is subject to the limit of EUR 100.000.

If you have a joint account with other person(s):
The limit of EUR 100.000 applies to each depositor separately

Reimbursement period in case of the Bank’s bankruptcy:

  • 7 working days
  • 20 working days until 31st May, 2016

Currency of reimbursement: Euro (EUR)

Additional information
Scheme responsible for the protection of your deposit

General limit of protection:

If a deposit is unavailable because a credit institution is unable to meet its financial obligations, depositors are repaid by a deposit guarantee scheme. This repayment covers a maximum of EUR 100.000 per credit institution. This means that all deposits with the same credit institution are added up in order to determine the coverage level. If, for instance, a depositor holds a savings account with EUR 90.000 and a current account with EUR 20.000, the client will only be repaid EUR 100.000.

In some cases as defined by article 171, paragraph 2 of the Law of 18December, 2015 on the recovery and resolution of credit institutions and investment firms, deposits may be protected up to a maximum of EUR 2.500.000.

Limit of protection for joint accounts:

In case of joint accounts, the limit of EUR 100.000 applies to each depositor. However, deposits in an account to which two or more persons are entitled as members of a business partnership, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100.000.


The Fonds de garantie des dépôts Luxembourg (FGDL) is responsible for the said deposit guarantee scheme, (please refer to contact details below)

The FGDL will repay your deposits (up to a maximal amount of EUR 100.000) within a maximum period of 20 working days until 31 May 2016, reduced to 7 working days from 1st June, 2016 onwards.

If you have not been repaid within these deadlines, please contact with the FGDL since the time to claim reimbursement may be barred after a certain time limit.

Other important information
In general, all depositors, whether private individuals or companies, are covered by the deposit guarantee scheme. Exceptions for certain deposits are stated on the website of the the Fonds de garantie des dépôts Luxembourg (FGDL). The Bank will also inform you on request whether certain products are covered or not. If deposits are covered, the Bank shall also confirm this on the statement of account.


Fonds de garantie des dépôts Luxembourg (FGDL)
283, route d’Arlon, L-1150 Luxembourg
Postal address: L-2860 Luxembourg
Tel. (+352) 26 25 1-1
Fax (+352) 26 25 1-2601
Further information can be found at:

The Bank has also adhered to the investment guarantee scheme of the “Système d’indemnisation des investisseurs Luxembourg” (hereinafter “SIIL”) which protects securities deposited on accounts up to an amount of EUR 20,000.

The SIIL protects investors by guaranteeing the reimbursement of their claims arising out of investment transactions up to the amount of EUR 20,000 (investor compensation) in case the Bank is unable to refund the investors with the funds owed to the client or owned by the latter and held on his/her behalf by the Bank within the context of investment transactions or in case the Bank is unable to return to the client financial instruments owned by the client but held, administered or managed by the Bank.

As any client retains the ownership of the financial instruments held by him/her with the Bank, such financial in­struments will not form part of the estate of the Bank and can thus be claimed directly by the client.

The investor compensation covers natural persons and com­panies governed by Luxembourg law or by the law of another member state of the European Union whose size is such that they are authorized to establish an abridged balanced sheet pursuant to the law of December 19, 2002, concerning the trade and companies’ register and the accountability and an­nual accounts of companies, as well as those of comparable size governed by the law of another member state of the European Union.

No claim in respect of a single amount is eligible for double compensation under both the FGDL and the SIIL.

The Bank is authorised to disclose any information and documentation required both by the FGDL and the SIIL or to any of their authorised agents.

This Website is governed by the laws of the Grand Duchy of Luxembourg, in particular the law of 14 August, 2000 on electronic commerce.

Any dispute or litigation with respect to this Website shall be submitted to the exclusive jurisdiction of the District court in and of the Grand Duchy of Luxembourg. Complaints may also be lodged with the CSSF.

Any access to this Website shall be considered to have taken place at the head office of the Bank at the date and time shown on the Bank’s server, with the connections log serving as proof of these.

© 2009-2010 Banque Havilland S.A. All rights reserved.

The Bank is the copyright owner of all of the works displayed on this Website, including without limitation, the images, texts, iconographic illustrations, and documents that are displayed and/or may be downloaded from this Website as well as the software embedded in this Website.

The reproduction of any part of the Website by any means is strictly forbidden without the prior written consent of the Bank.

The downloading of any information or software displayed on or provided by the Website does not entitle you to become the copyright owner of such information or software or to use such information or software beyond the purposes for which it was displayed or provided and you must not reproduce, forward, adapt, modify or use any information or software obtained from the Website for commercial purposes, or create links to this Website without the prior written consent of the Bank.

The name "Banque Havilland" as well as its logo are trade marks of the Bank. The reproduction, adaption, use or modification of these trade marks by any means is strictly forbidden without the prior written consent of the Bank.


Pillar III Disclosure Report

The purpose of the Pillar III Disclosure Report, produced annually, is to fulfill regulatory disclosure requirements based on the “Basel II” rules, implemented in the European Union (EU) by the directives 2006/48/EC and 2006/49/EC (commonly known as “Capital Requirement Directives” or “CRD”).

Details are available on demand. Please contact us using the “contact” page.


Complaints Procedure

We endeavour to conduct business in a manner that avoids client complaints, but in certain cases, client complaints may occur.

A complaint is an expression of dissatisfaction with a product or service provided by Banque Havilland S.A.

You can lodge a complaint in writing by post addressed to the Compliance Department:

Banque Havilland S.A.
35a avenue J.F. Kennedy
L-1855 Luxembourg

The communication must:

  • clearly indicate that it is a complaint
  • include the customer's contact details; and
  • include a brief description of the reason for the complaint.

A written acknowledgment will be sent to the complainant within 10 days of receipt.

Banque Havilland S.A. undertakes to ensure that complaints will be answered within a month from the date the complaint was sent. However, if this timeframe cannot be met, Banque Havilland S.A. will inform the complainant of the reasons for the delay and give an indication as to when the complaint is expected to be resolved.

In the event that the response provided is not satisfactory to the client, the complaint and the response provided to the client may be referred to the authorised manager of Banque Havilland S.A .in charge of the management of the complaint treatment.

If you are still not satisfied with the solution or response given after escalation to the authorised manager in charge of the management of complaint treatment, you can file a request for an out-of-court complaint settlement, in accordance with the provisions of regulation no. 16-07 issued by the Luxembourg financial regulator, the CSSF.

Commission de Surveillance du Secteur Financier
Département Juridique CC
283, route d’Arlon
L-2991 Luxembourg
Email :
Fax : +352 – 26 25 1 -2601