Argenta's Green formula costs €0/year in monthly fees, with two debit cards and a maximum of two account holders. Counter transfers and cash withdrawals cost €2 each, the credit card €2/month. Everything that is included, as of 12 August 2026.
Keytrade Bank's Keypack costs €0/year: current account, debit card, SEPA and instant transfers included. Two lines change the maths: the Visa jumps to €25/year below 12 transactions, and deposits are covered by the French guarantee fund. Fees as of 12 August 2026.
A banking package only pays for itself above a certain number of counter transactions or credit cards. The threshold is calculable: 21 transactions a year at Argenta, two credit cards at BNP Paribas Fortis, a second debit card at KBC.
The fee information document is the only text where your bank writes its prices in a form imposed by royal decree. Twelve standardised services, a European format, and three lines to add up to know your real annual cost.
Six current accounts remain at €0 a year in Belgium in 2026: Argenta Green, Keytrade Keypack, CBC Pure Online, Belfius Beats Pulse, Hello bank! and Beobank Go. What 'free' means, and what it leaves out.
No Belgian bank charges for an online instant transfer any more: European regulation has banned it since January 2025. What still costs money is the counter — €2 per manual operation at Belfius, Argenta and KBC.
From €0 to €84 a year for a basic account and €95 in average banking fees per Belgian: the lines that inflate the bill in 2026, and how to recalculate yours in five minutes.
