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OPERA PLUS Advantages

Make the most of credit and debit cards, reduced processing fees for your mortgage or personal loan, a reduction on placement fees and a whole host of other advantages and rebates included in a pack, the monthly subscription for which can be paid for in part or in full using your OPERA points.

Benefits for Raiffeisen members

OPERA PLUS: less fees, more advantages!

OPERA PLUS is an array of banking benefits brought together in a single pack, helping you to reduce your banking fees considerably. 


Even more advantages with OPERA PLUS:

  • Providing a free debit card V PAY,
  • Providing a free credit card Visa Gold,
  • No statement fees on current accounts,
  • Free SEPA electronic transfers,
  • Free Raiffeisen paper-based transfers,
  • 5 free paper-based transfers to SEPA bank accounts per month,
  • 1 free cash withdrawal from another bank’s ATM per month,
  • 25% off processing fees for personal loans and mortgages,
  • 20% off the annual safe deposit box fee,
  • 20% of the R-PlanInvest subscription fee,
  • 20% off the R-Pension subscription fee,
  • 10% off the R-Invest annual fee,
  • 10% off the R-Gestion annual fee,
  • 10% off the R-Conseil annual fee,
  • No fee for blocking or replacing a card,
  • A ‘card option’ giving you access to a second V PAY debit card and a second Visa Gold credit card,
  • A sheet of 8 stamps offered by our partner POST Luxembourg. 
The OPERA PLUS monthly subscription can be paid for in part or in full using the OPERA points you earn as a Raiffeisen member.


To benefit from the OPERA PLUS advantages, don't hesitate to go to the nearest Raiffeisen branch, contact your advisor or fill out the form below.


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For more information on the processing of personal data, please consult our Information Notes on the protection of personal data in the “Data Protection" section.

N.B. This contact form is not a secured means of communication and we cannot therefore guarantee the confidentiality and integrity of the data it contains. We recommend that you use the form to send us your questions, comments and suggestions but do not include confidential information. Remember that our R-Net website includes a secure messaging service that you can use to send in your orders and information concerning your accounts.  

OPERA PLUS simulator

You have several options to use all or only part of your OPERA points.

Downloadable documents

Benefit form the full range of OPERA PLUS Advantages

Don't hesitate to go to the nearest Raiffeisen branch, contact your advisor or fill in the form.