A Belgian savings account calculator that applies the monthly deposit cap and only counts the loyalty bonus once it is earned. Over twelve months, €10,000 earns €61.13 at a capped 3.15% and €200 at an uncapped 2.00%. Rates checked on 14 October 2026.
Interest on a Belgian regulated savings account is tax-exempt up to €1,020 per person in 2026, then subject to 15% withholding tax (précompte mobilier). Each bank applies the threshold account by account: with two banks, declaring the excess is up to you. Rates checked on 3 October 2026.
Moving a Belgian savings account to another bank forfeits the loyalty bonus in progress, to the day. On €20,000 deposited in January, leaving on 5 October 2026 costs €180 in bonus for €34 of extra interest. Rates recorded on 3 October 2026.
Interest on a Belgian term deposit is taxed at 30% from the first euro, while interest on a regulated savings account is exempt up to €1,020 a year. A term deposit therefore has to advertise 1.43 times the gross rate of a regulated account just to break even. Rates as of 25 September 2026.
A Belgian savings rate adds a base rate, earned the day after your deposit, to a loyalty bonus earned only after twelve uninterrupted months. In year one, €10,000 placed at 3.15% returns roughly €61. Rates as of 29 August 2026.
