youniq students

€0/month*

Studies, housing, moving abroad, your first major projects: youniq students supports you today and helps you build your tomorrow, with greater freedom.

Take charge of your everyday life and work towards the goals that matter to you.

For your everyday expenses…

What with classes, getting around, everyday shopping, and unexpected expenses, you need a simple solution to manage your money on a daily basis.

Current account and banking services

Current account
Visa Debit card
Visa Classic credit card
Access to R-Net online banking, Wero, and Apple Pay
Free cash withdrawals at Raiffeisen, Post Luxembourg and Bancomat ATMs
First LuxTrust certificate free of charge
Banque Raiffeisen membership share

Visa Debit card

For your everyday expenses, from the university cafeteria to nights out with friends.

Included with youniq students, your Visa Debit card lets you pay easily, with rapid debiting from your current account to help you stay in control of your budget.

Visa Classic credit card

Because student life goes beyond the everyday, the Visa Classic credit card offers a convenient, additional payment solution to support your projects.

Great deals with your Visa Debit card

Discounts, offers and exclusive content from our partners: your Visa Debit card gives you access to deals designed just for you.

And more coming soon...

To enjoy these benefits, simply show your Raiffeisen Visa Debit card and your ID.
New perks are added regularly.

1 smash burger offert

10% cashback

Buy 1 ticket, get 1 free

In addition, a savings account is always included.

Because having a budget also means looking ahead, the youniq savings account is always included with youniq student.

youniq savings account

Attractive rate: Maximize your savings with an interest rate that varies according to market changes
Flexible: Make deposits whenever you like, it’s free
Accessibility: Your money is available whenever you need it
At your fingertips: Manage your savings account wherever and whenever you want via the R-Net app

Investing for the future.

As you start building your plans for the future, you can also begin exploring investment options. With R-PlanInvest and the R-Invest on demand investment advisory service, you can discover investing in a simple, step-by-step manner.

Free with

On demand R-Invest investment advice

To gain a better understanding of investing, you can get on demand advice from your bank advisor while retaining control over your decisions. It is tailored to your profile and available whenever you need it.

R-PlanInvest

A fund-based investment solution with a minimum monthly commitment of €50. You invest regularly, can top up whenever you wish, and your money remains available if you need it.

…and fund the projects that matter.

Whether it’s housing, a semester abroad, setup costs, or other expenses to plan for, certain solutions can help you move forward with your plans without having to dip into your savings right away.

State-guaranteed student loan

Study PLUS loan

0% interest advance loan

A dedicated advisor, available when you need one.

When you’re a student, certain questions come up quickly, and that’s only natural. Having an advisor to talk to when you have a question, a project, or simply need some clarity makes all the difference.