S-Net Mobile

4.5
1.55K reviews
Content rating
Everyone
100K+
Downloads
Content rating
Everyone
Learn more
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About this app

S-Net Mobile, the Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess)’s free mobile banking app allows you to:

• view the transactions on your accounts and credit cards,
• execute payments (Eurotransferts),
• send secure messages to the Spuerkeess and access your received mail and documents,
• find a Spuerkeess branch or S-BANK ATM,
• simulate your personal or mortgage loan.

Furthermore, the PIN-login allows an even faster access to your daily banking operations.
Updated on
May 26, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Photos and videos, Files and docs and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
1.43K reviews
S PL
February 9, 2026
Doesn't work far too many times. I have days during which all I get are error messages. Worse yet, switching phones is an absolute nightmare. It took multiple attempts for the app to stop throwing error messages and finally get the message I'll have the phone verified in the next 10 hours. Ridiculously unstable application for something this vital when the bank seems hell bent on going digital only.
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Spuerkeess
March 4, 2026
We’re sorry to hear about the repeated errors and the difficulties when switching phones. The verification delay is a security measure, but recurring errors are not the experience we aim to provide. Please contact us at snet.feedback@spuerkeess.lu so we can review your case and assist you directly. We’re continuously improving the app’s stability.
Paphatsorn Myers
March 12, 2024
Although my phone is a bit dated, this app is a bit lagging and sometimes just exits by itself. I have gladly some other banking apps, and none of it has such behaviour. The bank itself is more of an issue. Premium prices with substandard service describes it best. I usually have to do several 2-digit transfers, because you can't never be sure, that a medium 3-digit transfer would be executed. Waiting for the day that such institutes become obsolete, be it by CBDC's or other digital assets.
2 people found this review helpful
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Loris Olsem
November 16, 2021
Notifications were broken for me for a long time, after reinstalling now they seem to work for incoming but not for outgoing transactions. New as well is the fact that I always get an error when saving notification settings. The error does not say what the problem is. I really want to give 5 stars, but this is still broken, so no.
12 people found this review helpful
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What’s new

Minor improvements and bug fixes
Content rating
Everyone
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App support

About the developer
Banque et Caisse d'Epargne de l'Etat, Luxembourg
elba.dvi@spuerkeess.lu
Place De Metz 1 1930 Luxembourg
+352 40 15 64 48